本文選題：農(nóng)村小額信貸 + 供求分析��； 參考：《山東財經(jīng)大學(xué)》2014年碩士論文

【摘要】：小額信貸既是扶貧的一種重要方式，又是金融服務(wù)的創(chuàng)新。小額信貸的服務(wù)對象主要是城鄉(xiāng)低收入階層，通過向低收入農(nóng)戶或農(nóng)村微型企業(yè)提供金融服務(wù)，來提高農(nóng)戶或微型企業(yè)的收入，促進(jìn)農(nóng)村經(jīng)濟(jì)的發(fā)展。 小額信貸是對傳統(tǒng)金融服務(wù)手段不斷創(chuàng)新的結(jié)果，作為一種金融扶貧方式，小額信貸在欠發(fā)達(dá)國家和地區(qū)受到廣泛的歡迎。從目前我國的實(shí)踐來看，雖然小額信貸在一定程度上提高了農(nóng)戶的收入，促進(jìn)了農(nóng)村經(jīng)濟(jì)的發(fā)展，但是由于種種原因，我國農(nóng)村小額信貸在其發(fā)展過程中存在著很多阻礙因素，比如資金來源較為單一、小額信貸市場供不應(yīng)求，小額信貸交易成本比較高，小額信貸供給機(jī)構(gòu)經(jīng)營管理水平不高，信息不對稱等等。本文從小額信貸供求的角度，分析我國小額信貸供求現(xiàn)狀和供求失衡的原因，認(rèn)為交易成本是小額信貸供求失衡的根本原因，并且利用演化博弈理論分析供給和需求者均衡策略的選擇路徑，從而給出實(shí)現(xiàn)供求均衡的建議。 本文內(nèi)容為五部分，第一部分為緒論，介紹本文的選題意義、背景、國內(nèi)外文獻(xiàn)綜述，以及本文的主要研究探索內(nèi)容、獨(dú)特的創(chuàng)新點(diǎn)以及研究思路和方法等等；第二部分為本文的理論基礎(chǔ)概述，分別介紹演化博弈理論、交易成本理論、公共產(chǎn)品理論和行為經(jīng)濟(jì)學(xué)理論；第三部分分別從供、需兩方面對農(nóng)村小額信貸的發(fā)展現(xiàn)狀做闡述，，并且分析了農(nóng)村小額信貸供需失衡的主要原因；第四部分運(yùn)用演化博弈理論對農(nóng)村小額信貸供需雙方進(jìn)行分析，分析了交易成本造成農(nóng)村小額信貸供需失衡的作用機(jī)制；第五部分給出了發(fā)展我國農(nóng)村小額信貸的政策建議。
[Abstract]:Microfinance is not only an important way of poverty alleviation, but also an innovation of financial services. Microfinance mainly serves urban and rural low-income groups, by providing financial services to low-income farmers or rural micro-enterprises, to improve the income of farmers or micro-enterprises, and promote the development of rural economy. Microfinance is the result of continuous innovation of traditional financial service means. As a way of financial poverty alleviation, microfinance is widely welcomed in less developed countries and regions. From the current practice in our country, although microfinance to a certain extent has improved the income of farmers and promoted the development of rural economy, there are a lot of obstacles in the process of the development of micro-credit in rural areas of our country due to various reasons. For example, the source of funds is relatively single, the microfinance market is in short supply, the transaction cost of microfinance is relatively high, the management level of microfinance supply institutions is not high, the information is asymmetric and so on. From the point of view of supply and demand of microfinance, this paper analyzes the present situation of supply and demand of microfinance in China and the reasons for the imbalance of supply and demand, and concludes that transaction cost is the fundamental cause of the imbalance between supply and demand of microfinance. And the evolutionary game theory is used to analyze the choice path of supply and demand equilibrium strategy, and the suggestion to realize supply and demand equilibrium is given. The content of this paper is five parts, the first part is introduction, introducing the significance, background, domestic and foreign literature review, as well as the main research contents, unique innovation points, research ideas and methods, etc. The second part is an overview of the theoretical basis of this paper, respectively introducing evolutionary game theory, transaction cost theory, public goods theory and behavioral economics theory. And analyzed the main reasons of rural microfinance supply and demand imbalance; the fourth part used evolutionary game theory to analyze the rural microfinance supply and demand both sides analyzed the transaction costs caused by rural microfinance supply and demand imbalance mechanism; The fifth part gives the policy suggestion of developing the rural micro-credit in our country.
【學(xué)位授予單位】：山東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.43

【參考文獻(xiàn)】

中國期刊全文數(shù)據(jù)庫 前10條

1 杜曉山,孫若梅;農(nóng)村小額信貸:國際經(jīng)驗(yàn)與國內(nèi)扶貧社試點(diǎn)[J];財貿(mào)經(jīng)濟(jì);1997年09期

2 胡苗忠;;農(nóng)村金融服務(wù)供需矛盾與對策——以浙江紹興市為例[J];財會月刊;2012年29期

3 羅群;黎玉琴;;交通擁堵現(xiàn)象的進(jìn)化博弈分析[J];河北大學(xué)學(xué)報(自然科學(xué)版);2011年06期

4 高帆;農(nóng)村中需求型金融抑制[J];經(jīng)濟(jì)研究參考;2003年23期

5 余孝軍;;客運(yùn)問題的進(jìn)化博弈分析[J];經(jīng)濟(jì)數(shù)學(xué);2011年01期

6 佘傳奇;黃燁;馬超;;完善農(nóng)村金融的供需角度分析[J];經(jīng)濟(jì)研究導(dǎo)刊;2009年36期

7 楊偉坤;劉潔;閆貴娟;;農(nóng)民貸款需求意愿及其影響因素分析——河北省農(nóng)戶貸款需求狀況調(diào)查[J];金融教學(xué)與研究;2009年04期

8 劉錫良,洪正;多機(jī)構(gòu)共存下的小額信貸市場均衡[J];金融研究;2005年03期

9 尹會娟;王洪國;邵增珍;劉雷;;一種改進(jìn)的企業(yè)競爭合作進(jìn)化博弈模型[J];計算機(jī)工程;2011年22期

10 吳國寶,李興平;小額信貸對中國扶貧與發(fā)展的貢獻(xiàn)[J];金融與經(jīng)濟(jì);2003年11期

中國博士學(xué)位論文全文數(shù)據(jù)庫 前1條

1 劉雪蓮;基于博弈論的中國農(nóng)村小額信貸問題研究[D];東北農(nóng)業(yè)大學(xué);2009年

本文編號：2058962