【摘要】：隨著農(nóng)村經(jīng)濟發(fā)展的需要,農(nóng)戶需要的資金越來越多,但是農(nóng)戶的自有資金卻無法滿足這一資金需求,而且大多數(shù)農(nóng)戶也無法從相關(guān)的金融借貸機構(gòu)借貸出自己需求的資金數(shù)量,這樣就導(dǎo)致了廣大農(nóng)戶借貸資金供求失衡。若要解決這一失衡,一是要想方設(shè)法提高農(nóng)戶的自有資金;二是要改善金融借貸機構(gòu)與農(nóng)戶之間的借貸模式。本論文主要探討的是第二個方面,即農(nóng)戶借貸模式的轉(zhuǎn)型研究。在轉(zhuǎn)型過程中,我們不僅要從金融借貸機構(gòu)入手,也要從農(nóng)戶自身狀況及借貸特征入手,對兩者同時進(jìn)行研究,找出彼此的契合點,才能有效的解決農(nóng)戶借貸難的問題。與此同時,互聯(lián)網(wǎng)逐漸進(jìn)入人們的視野,與人們的生活越來越緊密。我們要解決農(nóng)戶借貸的難題還必須要緊隨時代潮流,與先進(jìn)的互聯(lián)網(wǎng)技術(shù)結(jié)合起來,碰撞出不一樣的火花。從去年以來,“互聯(lián)網(wǎng)+金融”越來越熱,傳統(tǒng)的金融與互聯(lián)網(wǎng)相結(jié)合,形成金融互聯(lián)網(wǎng),互聯(lián)網(wǎng)與金融相結(jié)合,形成互聯(lián)網(wǎng)金融。無論是金融互聯(lián)網(wǎng)還是互聯(lián)網(wǎng)金融,都對人們的借貸行為產(chǎn)生或多或少的影響。本文就是在互聯(lián)網(wǎng)時代的大背景之下,研究農(nóng)戶借貸模式的轉(zhuǎn)型,以此解決農(nóng)戶借貸難的問題。基于以上研究背景,本文首先從傳統(tǒng)金融借貸機構(gòu)、互聯(lián)網(wǎng)金融借貸機構(gòu)、農(nóng)戶自身狀況及借貸特征三個方面分析了我國農(nóng)戶借貸模式的現(xiàn)狀與存在的問題;接著在分析傳統(tǒng)金融借貸機構(gòu)與互聯(lián)網(wǎng)金融借貸機構(gòu)的優(yōu)劣勢的基礎(chǔ)上,分析了當(dāng)前農(nóng)戶借貸模式轉(zhuǎn)型的動因、目標(biāo)和途徑;然后初步擬定了互聯(lián)網(wǎng)時代農(nóng)戶借貸模式的整體架構(gòu),包含傳統(tǒng)金融借貸機構(gòu)、互聯(lián)網(wǎng)金融借貸機構(gòu)、其他金融機構(gòu)(保險、擔(dān)保公司等)三個子系統(tǒng),該新模式以傳統(tǒng)金融借貸機構(gòu)為主,以互聯(lián)網(wǎng)金融借貸機構(gòu)為補充,以其他金融借貸機構(gòu)為輔助;最后提出我國互聯(lián)網(wǎng)時代農(nóng)戶借貸模式轉(zhuǎn)型的相關(guān)對策建議。本文探討的互聯(lián)網(wǎng)時代農(nóng)戶借貸模式轉(zhuǎn)型并不是將傳統(tǒng)金融借貸模式轉(zhuǎn)型為新型的互聯(lián)網(wǎng)借貸模式,而是將二者結(jié)合起來,取長補短,實現(xiàn)雙贏。本文存在很多不足之處。在構(gòu)思文章結(jié)構(gòu)之前,我查閱了大量文獻(xiàn),雖然有關(guān)于農(nóng)戶借貸行為、農(nóng)戶借貸福利等方面的研究很多,但是關(guān)于農(nóng)戶借貸模式方面的研究現(xiàn)在還沒有,更別說互聯(lián)網(wǎng)時代下的農(nóng)戶借貸模式研究,這給文章的構(gòu)思帶來極大的挑戰(zhàn)。另外,加上自己知識的局限性,導(dǎo)致本文存在很多缺陷。
[Abstract]:With the development of rural economy, farmers need more and more funds, but their own funds can not meet this demand. Moreover, most farmers are unable to borrow the amount of funds they need from the relevant financial lending institutions, which leads to the imbalance between the supply and demand of loan funds for the vast number of farmers. If we want to solve this imbalance, we must try our best to raise the farmers' own funds, and the other is to improve the lending pattern between the financial lending institutions and the farmers. This paper mainly discusses the second aspect, that is, the transformation of farmers'loan mode. In the process of transformation, we should not only start from the financial lending institutions, but also from the farmers' own conditions and lending characteristics, study the two at the same time, find out the common points of each other, in order to effectively solve the problem of farmers' borrowing difficulties. At the same time, the Internet gradually enters the people's vision, and people's life more and more closely. If we want to solve the problem of farmers' borrowing, we must follow the trend of the times, combine with advanced Internet technology, and collide with different sparks. Since last year, "Internet finance" has become more and more hot. The combination of traditional finance and the Internet has formed the financial Internet, the Internet and the financial combination, forming the Internet finance. Both financial internet and internet finance have more or less influence on people's lending behavior. Under the background of the Internet era, this paper studies the transformation of farmers' lending mode to solve the problem of farmers' borrowing difficulties. Based on the above research background, this paper first from the traditional financial lending institutions, Internet financial lending institutions, farmers' own conditions and lending characteristics of the three aspects of the analysis of the current situation and existing problems; Then, on the basis of analyzing the advantages and disadvantages of traditional financial lending institutions and Internet financial lending institutions, this paper analyzes the reasons, objectives and approaches of the transformation of farmers' lending mode. Then, the overall framework of peasant household lending model in the Internet era is preliminarily drawn up, which includes three subsystems: traditional financial lending institutions, Internet financial lending institutions, and other financial institutions (insurance, guarantee companies, etc.). The new model is based on traditional financial lending institutions, supplemented by Internet financial lending institutions and supplemented by other financial lending institutions. Finally, the paper puts forward the relevant countermeasures and suggestions on the transformation of peasant household loan mode in the Internet era. The transformation of farmers' loan mode in the Internet era is not to transform the traditional financial lending model into a new type of Internet lending mode, but to combine the two models to make up for each other's weakness and achieve a win-win situation. There are many shortcomings in this paper. Before I conceived the structure of the article, I looked up a lot of literature. Although there are a lot of studies on the behavior of farmers' borrowing and the welfare of farmers' borrowing, but there is no research on the mode of farmers' borrowing. Not to mention the research of farmers' loan mode in the internet age, which brings great challenge to the conception of this article. In addition, with the limitations of their own knowledge, there are many defects in this paper.
【學(xué)位授予單位】：西華大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.4

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