【摘要】：隨著我國(guó)各領(lǐng)域改革的不斷深化,對(duì)"三農(nóng)"問(wèn)題改革的迫切性不斷成為社會(huì)各界的普遍共識(shí)。解決"三農(nóng)"問(wèn)題首先要解決農(nóng)村資金問(wèn)題,農(nóng)村金融供給機(jī)構(gòu)進(jìn)一步優(yōu)化和更新信貸類金融產(chǎn)品對(duì)"三農(nóng)"問(wèn)題的處理具有重要意義,農(nóng)戶是農(nóng)村金融組織提供服務(wù)的直接體驗(yàn)者,以農(nóng)戶借貸行為為視角,探究農(nóng)戶借貸行為的影響因素,為農(nóng)村金融供給組織的進(jìn)一步自我革新和城鎮(zhèn)各級(jí)政府政策制定提供理論參考。在上述研究背景介紹的基礎(chǔ)上,本文選取涼城縣的農(nóng)戶借貸行為作為研究對(duì)象,通過(guò)對(duì)涼城縣進(jìn)行實(shí)地走訪調(diào)研,發(fā)放調(diào)查問(wèn)卷。對(duì)有效調(diào)查問(wèn)卷進(jìn)行分析整理和數(shù)據(jù)處理,對(duì)涼城縣借貸行為進(jìn)行統(tǒng)計(jì)描述。借助stata軟件和probit模型對(duì)農(nóng)戶借貸需求和是否獲得正規(guī)金融機(jī)構(gòu)貸款的相關(guān)影響因素進(jìn)行計(jì)量分析。提出了涼城縣農(nóng)信社要加強(qiáng)自身建設(shè),提高服務(wù)"三農(nóng)"能力,當(dāng)?shù)卣龑?dǎo)農(nóng)村建立互助金融組織,指引民間借貸健康發(fā)展的政策建議。
[Abstract]:With the deepening of the reform in various fields, the urgency of the reform of agriculture, rural areas and farmers has become a common understanding of all walks of life. To solve the problem of "agriculture, countryside and farmers", it is necessary to solve the problem of rural funds first, and it is of great significance for rural financial supply institutions to further optimize and update the credit financial products to deal with the problem of "agriculture, countryside and farmers". Farmers are the direct experience of providing services to rural financial organizations. From the perspective of farmers' lending behavior, this paper probes into the influencing factors of farmers' lending behavior. It provides a theoretical reference for the further self-innovation of rural financial supply organizations and the formulation of government policies at all levels in cities and towns. On the basis of the above research background, this paper selects the farmers' borrowing behavior in Liangcheng County as the research object, through the field visit investigation to Liangcheng County, distributes the questionnaire. The effective questionnaire analysis and data processing, Liangcheng County lending behavior statistical description. With the help of stata software and probit model, this paper makes an econometric analysis on the influencing factors of farmers' loan demand and whether they get loans from formal financial institutions. This paper puts forward some policy suggestions that Liangcheng Rural Credit Cooperative should strengthen its own construction and improve its ability to serve the "three rural areas", and that the local government should guide the rural areas to establish mutual financial organizations and guide the healthy development of folk loans and loans.
【學(xué)位授予單位】：內(nèi)蒙古農(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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本文編號(hào)：2134038