【摘要】：農(nóng)戶信貸意愿不強(qiáng)是我國(guó)農(nóng)村存在的普遍現(xiàn)象之一,農(nóng)戶信貸意愿不強(qiáng)的根本原因在于農(nóng)戶貸款難。導(dǎo)致農(nóng)戶貸款難的原因主要有三個(gè):一是農(nóng)業(yè)自然風(fēng)險(xiǎn)高;二是信息不對(duì)稱導(dǎo)致農(nóng)村信貸市場(chǎng)失靈;三是產(chǎn)權(quán)制度不完善,導(dǎo)致農(nóng)戶沒(méi)有有效抵押品獲取貸款。其中,制約農(nóng)村和農(nóng)戶發(fā)展的信息因素和抵押品因素則顯得尤為突出。因此,如何對(duì)農(nóng)村信貸交易模式創(chuàng)新,建立可行的機(jī)制體系,是解決信息不對(duì)稱和抵押品這兩大制約因素的突破口,是農(nóng)戶在出現(xiàn)貸款需求而又不愿信貸的有效解決方法�；谝恍﹪�(guó)外經(jīng)典成功案例,以及這些案例在國(guó)內(nèi)的成功應(yīng)用經(jīng)驗(yàn),我們發(fā)現(xiàn)金融聯(lián)結(jié)能夠解決上述問(wèn)題。金融聯(lián)結(jié)是正規(guī)金融機(jī)構(gòu)和非正規(guī)金融機(jī)構(gòu)通過(guò)互惠式合作,以達(dá)到擴(kuò)展農(nóng)村信貸市場(chǎng)的一種金融服務(wù)。該模式中非正規(guī)金融機(jī)構(gòu)借助與所在地農(nóng)戶溝通便利的自身優(yōu)勢(shì),通過(guò)自身服務(wù),將農(nóng)戶信息統(tǒng)一。并通過(guò)與正規(guī)金融機(jī)構(gòu)展開(kāi)合作,捆綁相關(guān)聯(lián)結(jié)主體,提升農(nóng)戶信用,達(dá)到降低農(nóng)戶交易成本,解決正規(guī)金融機(jī)構(gòu)與農(nóng)戶之間的信息不對(duì)稱。最終達(dá)到擴(kuò)大農(nóng)村信貸市場(chǎng)業(yè)務(wù),增加農(nóng)戶信貸意愿的目的。論文首先,在國(guó)內(nèi)外研究及國(guó)內(nèi)金融聯(lián)結(jié)現(xiàn)狀的基礎(chǔ)上,對(duì)研究核心概念加以界定,再結(jié)合現(xiàn)有的理論加以研究。從目前我國(guó)農(nóng)村金融所表現(xiàn)出來(lái)的情況及金融聯(lián)結(jié)模式在一些地區(qū)的嘗試,分析出影響農(nóng)戶信貸意愿的共性問(wèn)題。從我國(guó)正規(guī)金融機(jī)構(gòu)與非正規(guī)金融機(jī)構(gòu)分別對(duì)農(nóng)戶貸款的現(xiàn)狀進(jìn)行研究,分析了兩部門(mén)應(yīng)采取聯(lián)結(jié)的原因。從信息不對(duì)稱等問(wèn)題出發(fā),分析金融聯(lián)結(jié)的機(jī)理,奠定論文的理論基礎(chǔ)。而后,論文基于黑龍江省6市18個(gè)村鎮(zhèn)466份有效調(diào)查問(wèn)卷所得到的調(diào)查數(shù)據(jù)為樣本,結(jié)合我國(guó)農(nóng)村金融聯(lián)結(jié)發(fā)展現(xiàn)狀,運(yùn)用SPSS22.0和AMOS22.0軟件構(gòu)建結(jié)構(gòu)方程模型,探索出個(gè)人因素、家庭因素、正規(guī)金融機(jī)構(gòu)評(píng)價(jià)因素和專業(yè)合作社評(píng)價(jià)因素等對(duì)參加金融聯(lián)結(jié)意愿影響較大的四個(gè)主要因素,并得出研究結(jié)論。最后,在上述研究的基礎(chǔ)上,提出了加大農(nóng)業(yè)產(chǎn)業(yè)化進(jìn)程、提高農(nóng)戶組織化程度、加大對(duì)聯(lián)結(jié)政策傾斜力度等相關(guān)政策建議,以期能夠使捆綁信用式金融聯(lián)結(jié)模式在我國(guó)能夠更好的發(fā)展。
[Abstract]:The weak credit willingness of farmers is one of the common phenomena in rural areas of our country. The fundamental reason for the weak credit willingness of farmers lies in the difficulty of farmers' loans. There are three main reasons for the difficulty of farmers' loans: one is the high natural risk of agriculture; the other is the information asymmetry leads to the failure of rural credit market; the third is the imperfect property right system, which leads to farmers' lack of effective collateral to obtain loans. Among them, the information factors and collateral factors that restrict the development of rural areas and farmers are particularly prominent. Therefore, how to innovate the rural credit transaction mode and establish a feasible mechanism system is a breakthrough to solve the two constraints of information asymmetry and collateral, and it is an effective solution for farmers to appear loan demand and unwilling to credit. Based on some classical foreign success cases and the successful application experience of these cases in China, we find that financial connectivity can solve the above problems. Financial connection is a kind of financial service in order to expand the rural credit market through mutual benefit cooperation between formal financial institutions and informal financial institutions. In this model, informal financial institutions use their own advantages of convenient communication with local farmers and unify farmers' information through their own services. And through the cooperation with the formal financial institutions, bind the relevant connecting subjects, improve the credit of farmers, reduce the transaction costs of farmers, and solve the information asymmetry between formal financial institutions and farmers. Finally, the purpose of expanding rural credit market business and increasing farmers' credit willingness is achieved. First of all, on the basis of domestic and foreign research and the present situation of domestic financial connection, this paper defines the core concepts of the research, and then studies them in combination with the existing theories. From the current situation of rural finance in China and the attempt of financial connection model in some areas, this paper analyzes the common problems that affect farmers' credit willingness. This paper studies the present situation of farmers' loans from the formal financial institutions and the informal financial institutions in China, and analyzes the reasons why the two departments should be connected. Starting from the problem of information asymmetry, this paper analyzes the mechanism of financial connection and lays the theoretical foundation of this paper. Then, based on the survey data obtained from 466 effective questionnaires in 18 villages and towns in 6 cities of Heilongjiang Province, combined with the present situation of rural financial connection development in China, the structural equation model is constructed by using SPSS22.0 and AMOS22.0 software. This paper explores four main factors that have great influence on the willingness to participate in financial association, such as personal factors, family factors, evaluation factors of formal financial institutions and evaluation factors of professional cooperatives, and draws conclusions. Finally, on the basis of the above research, this paper puts forward some relevant policy suggestions, such as increasing the process of agricultural industrialization, improving the degree of organization of farmers, strengthening the tilt of the connection policy, and so on. In order to make the bundled credit financial connection model can be better developed in our country.
【學(xué)位授予單位】：哈爾濱商業(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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