發(fā)布時(shí)間：2018-07-02 11:27

  本文選題：農(nóng)戶小額信貸 + 信貸供給��； 參考：《東北農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：本文將哈爾濱市作為研究對(duì)象,研究了該區(qū)域的農(nóng)戶小額信貸的供需現(xiàn)狀,發(fā)現(xiàn)哈市存在農(nóng)戶小額信貸供需不匹配的狀況,在對(duì)哈爾濱市一些農(nóng)戶進(jìn)行實(shí)地調(diào)研資料分析后發(fā)現(xiàn),目前黑龍江省哈爾濱市農(nóng)戶的小額信貸融資途徑主要是銀行貸款和民間借貸,只有一部分可以得到金融機(jī)構(gòu)貸款,說(shuō)明銀行貸款的難度不小,每年在獲得銀行貸款時(shí)都很費(fèi)力。因此,為了緩解哈爾濱市的農(nóng)戶小額信貸供需困境,實(shí)現(xiàn)農(nóng)戶的增收脫貧,在運(yùn)用農(nóng)村金融理論與農(nóng)業(yè)信貸補(bǔ)貼理論相結(jié)合的基礎(chǔ)上,通過(guò)定性與定量相結(jié)合的的分析方法,全面分析哈爾濱市農(nóng)戶小額信貸供需存在的問(wèn)題以及成因,發(fā)現(xiàn)產(chǎn)生當(dāng)前供需困境狀況原因有外在的,即整個(gè)融資的大環(huán)境導(dǎo)致的;也有主觀內(nèi)在的,即農(nóng)戶及農(nóng)業(yè)的弱質(zhì)性決定其自身存在的一些缺陷。一方面哈爾濱市的一些農(nóng)戶受到整個(gè)金融體制、政策環(huán)境、擔(dān)保制度等一系列客觀因素制約;另一方面由于哈爾濱市農(nóng)戶自身觀念落后、缺乏金融知識(shí)、缺少擔(dān)保抵押物、信用風(fēng)險(xiǎn)高等主觀因素。接下來(lái)本文將運(yùn)用層次分析法對(duì)這些影響因素進(jìn)行分析,分析后得到的結(jié)論是農(nóng)戶自身以及金融機(jī)構(gòu)甚至整個(gè)外部環(huán)境都或多或少的存在問(wèn)題。根據(jù)這些成因之間的權(quán)重關(guān)系,提出了相關(guān)的建議,即改善哈爾濱市農(nóng)戶小額信貸供需非均衡的現(xiàn)狀,從而幫助哈市農(nóng)戶盡早實(shí)現(xiàn)小康生活。根據(jù)對(duì)黑龍江省哈爾濱市農(nóng)戶小額信貸的影響因素進(jìn)行層次分析之后,本文將從供需雙方以及外部環(huán)境入手,從改善農(nóng)戶自身狀況和金融機(jī)構(gòu)的小額信貸產(chǎn)品創(chuàng)新等方面提出相關(guān)建議,旨在能更好的為哈爾濱市農(nóng)戶解決小額信貸問(wèn)題,提升農(nóng)戶小額信貸的獲得率,從而對(duì)農(nóng)戶收入的提高給予一定的幫助,同時(shí)希望可以為黑龍江省其他地方的農(nóng)戶小額信貸的完善提供參考。
[Abstract]:In this paper, Harbin is taken as the research object, the present situation of supply and demand of peasant household microfinance in this area is studied, and it is found that there is mismatch between supply and demand of rural household microfinance in Harbin. Through the field investigation and analysis of some farmers in Harbin City, we find that at present, the main channels of microfinance financing for farmers in Harbin City, Heilongjiang Province, are mainly bank loans and private loans, and only a part of them can obtain loans from financial institutions. Show that the bank loan is not small, every year in the acquisition of bank loans are very difficult. Therefore, in order to alleviate the plight of supply and demand of micro-credit for farmers in Harbin, and realize the increase of farmers' income and get rid of poverty, on the basis of the combination of rural finance theory and agricultural credit subsidy theory, through the qualitative and quantitative analysis method, Through the comprehensive analysis of the problems and causes of the supply and demand of micro-credit in Harbin, it is found that there are external reasons for the current difficult situation of supply and demand, that is, the overall financing environment, but also subjective intrinsic, That is, the weakness of farmers and agriculture determines their own defects. On the one hand, some farmers in Harbin are restricted by a series of objective factors, such as the whole financial system, policy environment, guarantee system, etc. On the other hand, due to the backward concept of farmers in Harbin, they lack financial knowledge and collateral. High credit risk and other subjective factors. Then this paper will use the analytic hierarchy process to analyze these influencing factors, the conclusion is that farmers themselves, financial institutions and even the whole external environment are more or less existing problems. According to the weight relationship between these causes, this paper puts forward some relevant suggestions, that is, to improve the imbalance between supply and demand of micro-credit for farmers in Harbin, so as to help the farmers in Harbin to realize a well-off life as soon as possible. Based on the analysis of the influencing factors of farmers' micro-credit in Harbin, Heilongjiang Province, this paper will start with the supply and demand sides and the external environment. From the aspects of improving the farmers' own condition and the innovation of microfinance products of financial institutions, the paper puts forward some relevant suggestions in order to better solve the problem of micro-credit for farmers in Harbin, and to improve the access rate of micro-credit to farmers. Therefore, it can help farmers to improve their income, and hope to provide reference for the improvement of farmers' micro-credit in other places of Heilongjiang Province.
【學(xué)位授予單位】：東北農(nóng)業(yè)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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