【摘要】：為了研究鶴崗市長勝村農戶借貸行為,緊密聯(lián)系了當前的發(fā)展“社會主義新農村”、加快解決好“三農問題”的主題。在查閱農戶借貸行為相關文獻的基礎上,通過對鶴崗市紅旗鄉(xiāng)長勝村進行了實際走訪調查,以隨機發(fā)放調查問卷的形式,對當?shù)剞r戶進行了借貸行為的綜合研究。調查研究總共涉及人口數(shù)為1320人,占鶴崗市長勝村總人口數(shù)的60%,調查樣本充足,研究的結論相對具有代表性。在研究過程中,通過到鶴崗市長勝村農戶的家庭中進一步與農戶進行溝通交流,指導農戶逐項填寫問卷項目,被調查農戶的配合程度高、問卷項目填寫數(shù)據(jù)的真實率高,調查內容更加全面、真實。通過對鶴崗市長勝村農戶借貸行為調查問卷中的各項數(shù)據(jù)進行逐項匯總,對匯總的各項數(shù)據(jù)進行歸納后,得出鶴崗市長勝村農戶借貸的基本情況,從而總結出鶴崗市長勝村農戶借貸行為的現(xiàn)狀及問題。再分別從自然因素、社會因素、經濟因素三個層面對鶴崗市長勝村農戶借貸行為中存在的制約因素進行綜合分析,進而提出為了更好地滿足長勝村農戶借貸需求,合理引導和規(guī)范鶴崗市長勝村農戶借貸行為有序發(fā)展,促進鶴崗市長勝村農村金融健康發(fā)展的對策建議。 通過調查,當前學者們尚且沒有專一的對鶴崗市長勝村農戶借貸行為的學術研究,對鶴崗市長勝村農戶借貸行為的制約因素研究在調查研究的范圍上具體到村,研究樣本選取充足,研究長勝村農戶借貸行為的內容分類詳細具體,可以反映被調查地區(qū)農戶的借貸基本現(xiàn)狀,在農戶借貸行為的研究上具有一定的前沿性,為學者們在以后研究鶴崗市長勝村農戶借貸行為的相關方面上提供了研究思路。為鶴崗市農業(yè)銀行等商業(yè)銀行、農村信用社等正規(guī)金融機構在信貸種類制定、確保貸款的抵押物種類等方面上提供了一定的理論參考和實際借鑒。為鶴崗市政府相關部門在發(fā)揮鄉(xiāng)村金融服務站作用、提高長勝村農戶借貸信用,構建好農村金融體系與農戶借貸行為的良性互動關系、更好的滿足長勝村農戶的借貸需求,促進和規(guī)范長勝村農戶的借貸行為上提供了相關的對策建議,具有一定的參考性和可行性。
[Abstract]:In order to study the lending behavior of farmers in Changsheng Village, Hegang City, it is closely linked with the current development of "new socialist countryside" and the theme of speeding up the solution of the "three rural issues". On the basis of consulting the relevant documents of farmers' lending behavior, this paper makes a comprehensive study on the lending behavior of local farmers through the actual investigation of Changsheng Village in Hongqi Township, Hegang City, and the form of random questionnaires. The total population involved in the investigation is 1320 people, accounting for 60% of the total population of Changsheng Village in Hegang City. The investigation samples are sufficient, and the conclusion of the study is relatively representative. In the course of the research, through further communication and communication with the peasant households in Changsheng Village, Hegang City, to guide the farmers to fill out the questionnaire item by item, the cooperative degree of the investigated farmers is high, and the true rate of the data filled out in the questionnaire items is high. The investigation is more comprehensive and truthful. By summarizing the data in the questionnaire of the Changsheng Village Farmers' Lending behavior in Hegang City, and summarizing the data, we can get the basic situation of the farmers' borrowing and lending in Changsheng Village, Hegang City. Thus summed up the current situation and problems of farmers'lending behavior in Changsheng Village of Hegang City. Then from three aspects of natural factors, social factors and economic factors, this paper comprehensively analyzes the restrictive factors existing in the lending behavior of Changsheng Village farmers in Hegang City, and then puts forward that in order to better meet the lending needs of farmers in Changsheng Village. To guide and standardize the orderly development of farmers' lending behavior in Changsheng Village, Hegang City, and to promote the healthy development of rural finance in Changsheng Village, Hegang City. Through the investigation, at present scholars have not focused on the academic research on the lending behavior of the farmers in Changsheng Village, Hegang City. The research on the restrictive factors of the lending behavior of the farmers in Changsheng Village of Hegang City is specific to the village in the scope of investigation and research. The research sample selection is sufficient, the content classification of the research Changsheng village peasant household loan behavior is detailed and concrete, can reflect the survey area farmer's loan basic present situation, has certain forerunner in the farmer household loan behavior research. For the scholars in the future research on the credit behavior of Changsheng Village farmers in Hegang City, the relevant aspects of the research ideas. It provides a certain theoretical and practical reference for commercial banks such as Agricultural Bank of Hegang, rural credit cooperatives and other formal financial institutions in the formulation of the types of credit, to ensure the types of mortgage loans and so on. In order to give full play to the role of rural financial service station, improve the credit of farmers in Changsheng Village, construct a good interaction between rural financial system and farmers' borrowing behavior, and better meet the lending needs of farmers in Changsheng Village. In order to promote and standardize the lending behavior of farmers in Changsheng Village, it provides relevant countermeasures and suggestions, which has certain reference and feasibility.
【學位授予單位】：東北農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F323.6;F832.4

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