發(fā)布時(shí)間：2018-06-26 12:59

  本文選題：農(nóng)村金融 + 調(diào)查問卷　； 參考：《遼寧大學(xué)》2017年碩士論文

【摘要】：最近幾年,國(guó)家一直將解決“三農(nóng)”問題提上日程,在2016年2月1日,中共中央、國(guó)務(wù)院正式頒布了《關(guān)于加大改革創(chuàng)新力度加快農(nóng)業(yè)現(xiàn)代化建設(shè)的若干意見》,2013年以來,中央一號(hào)文件接連4年重視農(nóng)業(yè)科技與農(nóng)業(yè)創(chuàng)新,重點(diǎn)關(guān)注農(nóng)業(yè)現(xiàn)代化發(fā)展,可見解決“三農(nóng)”問題的重要意義所在。金融無處不在,一個(gè)設(shè)計(jì)良好并健康發(fā)展的農(nóng)村金融體系的建立,特別是農(nóng)村金融機(jī)構(gòu)針對(duì)于當(dāng)?shù)剞r(nóng)戶提供的流動(dòng)資金或貸款項(xiàng)目,使農(nóng)戶改變?cè)忌a(chǎn)方式,購(gòu)進(jìn)先進(jìn)的農(nóng)業(yè)生產(chǎn)設(shè)備,更好的加速農(nóng)業(yè)現(xiàn)代化的發(fā)展。蘿北縣在農(nóng)業(yè)發(fā)展上有獨(dú)特的地理優(yōu)勢(shì)、土地優(yōu)勢(shì)和政策優(yōu)勢(shì),具有發(fā)展農(nóng)業(yè)生產(chǎn)的良好自然條件,是黑龍江省農(nóng)業(yè)創(chuàng)收的中堅(jiān)力量。蘿北縣農(nóng)戶利用金融機(jī)構(gòu)進(jìn)行生產(chǎn)性融資的行為已經(jīng)得到的當(dāng)?shù)鼐用竦恼J(rèn)可。近些年來,蘿北縣農(nóng)村金融機(jī)構(gòu)的涉農(nóng)貸款資金逐步增加,可是還不能滿足農(nóng)戶貸款需求量的增長(zhǎng)速度,難以滿足農(nóng)村經(jīng)濟(jì)發(fā)展的要求,農(nóng)戶“貸款難”問題并沒有得到根本改變,金融能促進(jìn)經(jīng)濟(jì)的發(fā)展,同時(shí)它也對(duì)三農(nóng)問題的解決起著至關(guān)重要的作用,蘿北縣農(nóng)村金融市場(chǎng)的作用是不可或缺的,基于這樣的原因,對(duì)蘿北縣農(nóng)戶貸款所存在的問題還需要我們?nèi)シ治�、研究和解決�，F(xiàn)階段,在學(xué)術(shù)領(lǐng)域有關(guān)農(nóng)村金融機(jī)構(gòu)涉農(nóng)貸款問題的相關(guān)研究主要有以下兩種:一個(gè)是從宏觀的角度,分析整個(gè)市場(chǎng)涉農(nóng)貸款發(fā)展的現(xiàn)狀對(duì)農(nóng)村經(jīng)濟(jì)產(chǎn)生的總體影響;二是從微觀角度出發(fā),對(duì)部分地區(qū)采用問卷調(diào)查的方式,以調(diào)查結(jié)果作為分析數(shù)據(jù)來探究農(nóng)村信貸市場(chǎng)運(yùn)行的好壞程度。本文以黑龍江省蘿北縣下屬部分農(nóng)場(chǎng)作為切入點(diǎn)進(jìn)行實(shí)地調(diào)研發(fā)放問卷,選取約300戶農(nóng)村家庭的有效問卷作為此次抽樣調(diào)查的數(shù)據(jù),從實(shí)證的角度考察了蘿北縣農(nóng)村正式金融機(jī)構(gòu)對(duì)農(nóng)貸款發(fā)放后農(nóng)戶貸款情況的滿意程度。以調(diào)查問卷的形式進(jìn)行調(diào)研,以蘿北縣農(nóng)戶為調(diào)查對(duì)象,深入蘿北縣下屬各個(gè)農(nóng)場(chǎng)、村鎮(zhèn),采取線上微信調(diào)查問卷發(fā)放和實(shí)際農(nóng)戶走訪調(diào)查結(jié)合的形式,利用數(shù)據(jù)統(tǒng)計(jì)分析與實(shí)際考察相結(jié)合的方法,對(duì)當(dāng)?shù)剞r(nóng)戶信貸相關(guān)問題進(jìn)行調(diào)研。全文共分五個(gè)部分:第一部分:緒論,以黑龍江省蘿北縣農(nóng)業(yè)發(fā)展環(huán)境為起始點(diǎn),調(diào)查當(dāng)?shù)剞r(nóng)村金融機(jī)構(gòu)的發(fā)展現(xiàn)狀,分析農(nóng)戶貸款的背景條件,以當(dāng)?shù)剞r(nóng)戶貸款的行為為切入點(diǎn)總結(jié)本篇論文的調(diào)研相關(guān)背景、目的與意義,闡明論文的研究思路與方法。第二部分:分析蘿北縣農(nóng)戶貸款現(xiàn)狀,主要包括當(dāng)?shù)亟鹑跈C(jī)構(gòu)對(duì)農(nóng)貸款政策,農(nóng)戶貸款需求的現(xiàn)狀及特點(diǎn),為研究蘿北縣農(nóng)戶貸款問題提供一個(gè)大的背景。第三部分:以問卷調(diào)查的形式對(duì)蘿北縣下屬部分地區(qū)的農(nóng)戶貸款具體情況進(jìn)行問卷發(fā)放和真實(shí)溝通,所涉及的問卷調(diào)查的具體對(duì)象包括:純種植業(yè)農(nóng)戶、純養(yǎng)殖業(yè)農(nóng)戶、種植、養(yǎng)殖兼?zhèn)滢r(nóng)戶和個(gè)體工商戶等,對(duì)調(diào)查問卷當(dāng)中的當(dāng)?shù)貐^(qū)農(nóng)戶貸款渠道、涉農(nóng)貸款規(guī)模、貸款成本、貸款用途等問題進(jìn)行進(jìn)行了解、分析、統(tǒng)計(jì),歸納整理出農(nóng)戶當(dāng)前真實(shí)的資金信貸需求狀態(tài)和農(nóng)村金融機(jī)構(gòu)實(shí)際滿足的程度,分析農(nóng)戶涉農(nóng)貸款中遇到的相關(guān)問題。第四部分:充分利用SWOT矩陣分析的方法,對(duì)目前蘿北縣農(nóng)戶貸款所存在的自身優(yōu)勢(shì)與劣勢(shì)、外部機(jī)會(huì)與外部威脅因素進(jìn)行深度探究,畫出矩陣簡(jiǎn)要列明具體對(duì)策。第五部分:結(jié)合當(dāng)?shù)氐膶?shí)際情況并在調(diào)研過程中閱讀了大量的參考文獻(xiàn),提出針對(duì)于蘿北縣當(dāng)?shù)剞r(nóng)戶信貸需求可持續(xù)發(fā)展的相關(guān)建議與對(duì)策,解決蘿北縣農(nóng)戶貸款供需不匹配問題,支持并促進(jìn)全省農(nóng)村經(jīng)濟(jì)更好更快的發(fā)展。
[Abstract]:In the last few years, the state has been on the agenda to solve the problem of "three rural". In February 1, 2016, the Central Committee of the Communist Party of China, the State Council formally promulgated some opinions on increasing the reform and innovation to speed up the construction of agricultural modernization. Since 2013, the central No. 1 document has paid attention to agricultural science and technology and agricultural innovation for 4 years, focusing on agricultural modernization. It can be seen that the important significance of solving the "three rural" problem is that finance is everywhere, the establishment of a well-designed and healthy rural financial system, especially the rural financial institutions to provide the local farmers with the flow of funds or loan projects, so that farmers change the original mode of production, purchase advanced agricultural production equipment, In order to accelerate the development of agricultural modernization, Luobei county has unique geographical advantages, land advantages and policy advantages, with good natural conditions for developing agricultural production, and the backbone of agricultural income in Heilongjiang province. The local residents of Luobei County farmers have already obtained the behavior of producing raw and productive financing by using financial institutions. In recent years, the agricultural loan funds of rural financial institutions in Luobei county have gradually increased, but they can not meet the growth rate of farmers' loan demand, and it is difficult to meet the requirements of rural economic development. The problem of "loan difficulty" has not been fundamentally changed, and the finance can promote the development of the economy. At the same time, it also solves the problem of agriculture and agriculture. The role of the rural financial market in Luobei county is indispensable. Based on this reason, the problems existing in the peasant household loan in Luobei county need to be analyzed, studied and solved. At the present stage, there are two kinds of related research on rural financial institutions involved in agricultural loans in the academic field: 1 From the macro point of view, this paper analyzes the overall influence of the present situation of the development of the whole market on agricultural loans to the rural economy. Two, from the micro angle, the questionnaire survey is adopted in some areas, and the results are used as the analysis data to explore the quality of the operation of the rural credit market. This article is based on the subordinates of Luobei County of Heilongjiang province. As a breakthrough point, a questionnaire was conducted as a breakthrough point, and some 300 rural families were selected as the data of this sampling survey. From the perspective of empirical analysis, the satisfaction degree of farmers' loans after the issuance of agricultural loans in Luobei county rural formal financial institutions was investigated. The survey was conducted in the form of questionnaire in the form of Luobei County farmers. For the survey, the households of Luobei County, each of the farms, villages and towns, take the form of the online WeChat survey and the actual survey of farmers, and use the method of data analysis and actual survey to investigate the local farmers' credit related issues. The full text is divided into five parts: the first part: introduction, with black dragon The agricultural development environment of Luobei County in jiangprovince is the starting point, investigation of the development status of local rural financial institutions, analysis of the background conditions of farmers' loans, and taking the behavior of local farmers' loans as the breakthrough point to summarize the relevant background, purpose and significance, clarify the research ideas and methods of the paper. The second part is to analyze the loan of farmers in Luobei County The current situation, mainly including the local financial institutions on the agricultural loan policy, the current situation and characteristics of farmers' loan demand, provides a large background for the study of the problem of farmers' loans in Luobei county. The third part: the questionnaire survey on the specific situation of farmers' loans in parts of Luobei County The specific object of the questionnaire survey includes: pure planting farmers, pure breeding farm households, planting, breeding farmers and individual industrial and commercial households, and other problems in the questionnaire, such as the loan channels, the scale of agricultural loans, the cost of loan, the use of loans and so on. Analysis, statistics, sum up the current real funds of farmers. The degree of credit demand and the actual satisfaction of rural financial institutions, analyze the related problems encountered in farmers' agricultural loans. The fourth part: make full use of the method of SWOT matrix analysis, explore the advantages and disadvantages of farmers' loans in Luobei County, explore the external opportunities and external threats, draw a brief list of matrix. The fifth part: according to the local actual situation and read a large number of references in the process of investigation, some suggestions and countermeasures are put forward for the sustainable development of the local farmers' credit demand in Luobei County, to solve the problem of the mismatch between the supply and demand of farmers' loans in Luobei County, and to support and promote the better and faster development of the rural economy in the province.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.43

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