本文選題：信貸配給 + 農(nóng)戶��； 參考：《吉林農(nóng)業(yè)大學》2014年碩士論文

【摘要】：經(jīng)濟發(fā)展離不開金融要素，破解農(nóng)村金融難題對解決三農(nóng)問題至關重要�，F(xiàn)階段，農(nóng)村金融難題最直接的體現(xiàn)就是廣泛存在的農(nóng)戶信貸配給問題。本文依據(jù)信貸配給理論，通過問卷調(diào)查的方式，闡明了吉林省農(nóng)戶信貸配給的現(xiàn)狀，分析了導致農(nóng)戶信貸配給的原因，在此基礎上，運用Logistic模型，實證分析了農(nóng)戶家庭及個人特征對其所受信貸配給的影響，提出緩解農(nóng)戶信貸配給的建議。 吉林省農(nóng)戶信貸配給程度比較嚴重。從211份調(diào)研樣本看，74.5%的調(diào)研對象反映農(nóng)業(yè)生產(chǎn)過程中會出現(xiàn)資金短缺，如果借貸的話，61.1%的農(nóng)戶首選金融機構(gòu)。有信貸需求的農(nóng)戶，受到部分數(shù)量配給、完全數(shù)量配給、風險配給、交易成本配給和未借貸型價格配給的占90.04%，說明吉林省農(nóng)戶信貸配給程度是比較嚴重的。 農(nóng)戶受到信貸配給的原因是多方面的：從金融供給主體看，一是農(nóng)村金融機構(gòu)網(wǎng)點少，二是農(nóng)村金融機構(gòu)普遍具有非農(nóng)化經(jīng)營趨勢，三是信貸產(chǎn)品不適應農(nóng)戶需求；從金融需求主體看，一是農(nóng)戶思想保守限制了金融需求，二是收入偏低難以承擔高額貸款成本，三是抵押物缺乏無法獲取貸款；從金融環(huán)境看，，農(nóng)業(yè)的弱質(zhì)性和農(nóng)民的弱勢性很容易導致信貸配給的現(xiàn)象。 從農(nóng)戶自身的稟賦出發(fā)，利用Logistic模型t模型實證分析了農(nóng)戶家庭及個人特征對其所受信貸配給的影響。研究結(jié)果表明，年齡越大、受教育水平越高、土地經(jīng)營規(guī)模越大、收入水平越高、利率越低，農(nóng)戶受到信貸配給的概率就越小，反之則受到信貸配給的可能性就越大。而且這些因素的交互作用是復雜的。 提出緩解農(nóng)戶信貸配給的建議，即創(chuàng)新金融產(chǎn)品和服務、發(fā)展農(nóng)業(yè)保險、完善金融基礎設施、提高農(nóng)戶信用意識、增加農(nóng)戶收入等。
[Abstract]:Economic development can not be separated from financial elements, solving rural financial problems is very important to solve the three rural problems. At present, the most direct embodiment of rural financial problems is the widespread farmers credit rationing problem. Based on the theory of credit rationing and questionnaire survey, this paper clarifies the present situation of credit rationing of farmers in Jilin Province, and analyzes the reasons leading to credit rationing of farmers. On this basis, the Logistic model is used. This paper empirically analyzes the influence of the family and individual characteristics on the credit rationing, and puts forward some suggestions to alleviate the credit rationing. Jilin Province farmer credit rationing degree is quite serious. From 211 survey samples, 74.5% of the respondents showed that there would be a shortage of funds in the course of agricultural production, and 61.1% of the farmers preferred financial institutions if they borrowed. There are many reasons for farmers to receive credit rationing: first, the rural financial institutions have few network points, the other is the rural financial institutions generally have the trend of non-agricultural operation, and the third is that the credit products do not meet the needs of farmers; From the view of the main body of financial demand, one is that the peasant household's thought has restricted the financial demand conservatively, the other is that the low income is difficult to bear the high loan cost, and the third is the lack of collateral to obtain the loan; from the view of the financial environment, The weak quality of agriculture and the weakness of farmers can easily lead to the phenomenon of credit rationing. Based on the natural endowment of farmers, this paper empirically analyzes the influence of family and individual characteristics on the credit rationing of farmers by using Logistic model t model. And the interaction of these factors is complex. The paper puts forward some suggestions to alleviate the credit rationing of farmers, such as innovating financial products and services, developing agricultural insurance, perfecting financial infrastructure, raising farmers' credit consciousness and increasing farmers' income, etc.
【學位授予單位】：吉林農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.43

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