發(fā)布時(shí)間：2017-12-31 16:35

  本文關(guān)鍵詞：遼寧省寬甸縣農(nóng)戶(hù)資金借貸需求調(diào)查報(bào)告　出處：《遼寧大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 寬甸縣農(nóng)戶(hù) 借貸需求 調(diào)查問(wèn)卷

【摘要】：中國(guó)是一個(gè)農(nóng)業(yè)大國(guó),農(nóng)村金融是近幾年來(lái)金融熱點(diǎn)問(wèn)題。農(nóng)戶(hù)不但是我國(guó)農(nóng)業(yè)生產(chǎn)經(jīng)營(yíng)活動(dòng)主體,還是農(nóng)村中資金信貸市場(chǎng)最主要的需求方。伴隨市場(chǎng)經(jīng)濟(jì)體制在農(nóng)村地區(qū)的建立與完善、農(nóng)戶(hù)家庭多元化生產(chǎn)經(jīng)營(yíng)方式的發(fā)展以及農(nóng)村地區(qū)第一、第二、第三產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的加快,農(nóng)村貨幣市場(chǎng)和資本市場(chǎng)中的信貸需求總量逐漸變多,需求范圍日益拓寬,進(jìn)而及時(shí)有效的信貸供應(yīng)變的更加迫切。然而,由于農(nóng)村地區(qū)金融市場(chǎng)制度和功能方面的不足,農(nóng)戶(hù)的信貸需求未能得到有效的滿(mǎn)足,農(nóng)戶(hù)融資困難的問(wèn)題還相當(dāng)嚴(yán)重,已成為農(nóng)民收益的增多與農(nóng)村地區(qū)全方位發(fā)展的嚴(yán)重桎梏。農(nóng)戶(hù)通過(guò)各種渠道借貸資金以滿(mǎn)足自身生產(chǎn)、生活的需求,農(nóng)戶(hù)的借貸需求能否得到滿(mǎn)足,會(huì)給農(nóng)戶(hù)的生產(chǎn)投資規(guī)模與消費(fèi)水平帶來(lái)巨大的影響。寬甸縣的正規(guī)金融機(jī)構(gòu)在信貸投放方面已經(jīng)取得了很大的進(jìn)展,造福了一方百姓。當(dāng)然,目前這種狀況還是遠(yuǎn)遠(yuǎn)不夠的,還需要繼續(xù)努力,以滿(mǎn)足隨著農(nóng)村經(jīng)濟(jì)不斷發(fā)展的農(nóng)戶(hù)持續(xù)增長(zhǎng)的信貸需求,并進(jìn)一步推動(dòng)寬甸滿(mǎn)族自治縣內(nèi)的農(nóng)村經(jīng)濟(jì)、金融的發(fā)展。當(dāng)下農(nóng)商銀行的可以提供的金融服務(wù)能力大體上代表農(nóng)村地區(qū)的金融服務(wù)水平。想要提高農(nóng)村正規(guī)金融機(jī)構(gòu)的的服務(wù)水平,急需理清農(nóng)戶(hù)借貸需求的影響因素。有鑒于此,本文以調(diào)查報(bào)告的形式對(duì)寬甸滿(mǎn)族自治縣境內(nèi)的農(nóng)戶(hù)對(duì)農(nóng)村信用社的信貸需求進(jìn)行調(diào)研。通過(guò)向縣內(nèi)各個(gè)鎮(zhèn)的不同類(lèi)型的農(nóng)戶(hù)(純種植業(yè)、養(yǎng)殖業(yè)、個(gè)體工商戶(hù)等)發(fā)放調(diào)查問(wèn)卷,分析他們的借貸需求。具體分析需求因素如下:生產(chǎn)性需求(如種子、化肥),經(jīng)營(yíng)性需求(經(jīng)營(yíng)成本)、子女的教育經(jīng)費(fèi)、住房、日常生活開(kāi)支等。通過(guò)歸納整理農(nóng)戶(hù)當(dāng)前資金信貸需求狀態(tài),分析他們信貸意愿以及原因。不同的動(dòng)機(jī)引發(fā)不同的借貸行為,總體上可以歸納成三類(lèi),為了滿(mǎn)足日常生活需要,為了滿(mǎn)足投機(jī)獲利動(dòng)機(jī),為了預(yù)防未來(lái)不確定性的風(fēng)險(xiǎn)。最后,找出農(nóng)戶(hù)農(nóng)村信用社信貸需求中存在的不足之處,并在發(fā)現(xiàn)的問(wèn)題的基礎(chǔ)上給出支持未來(lái)農(nóng)戶(hù)信貸需求可持續(xù)發(fā)展的相關(guān)建議。
[Abstract]:Chinese is a large agricultural country, rural finance is the financial hot issues in recent years. But the farmer is not our main agricultural production and business activities, or rural credit funds in most major market demand. With the establishment and perfection of market economy system in the rural areas, the development of peasant family and rural diversification of production and management in the first, second, third speed up the adjustment of industrial structure, the total demand of rural credit in the money market and the capital market gradually, demand is increasingly expanding, and timely and effective supply of credit becomes more urgent. However, due to lack of financial market system in rural areas and functional aspects of the household credit demand has not been effectively meet the farmers financing difficulties are still quite serious, has become the income of the farmers increased serious shackles and all-round development in rural areas. Farmers through Various channels of lending funds to meet their production, living needs, household borrowing needs can be met, will bring the huge influence to the farmers' production scale of investment and consumption levels. The formal financial institutions in Kuandian County in the credit has made great progress, for the benefit of the people side. Of course, the present situation it is not enough, but also need to continue efforts to meet with the credit demand of rural economic development of farmers continued to grow, and to further promote the Kuandian Manchu Autonomous County in the rural economic and financial development. The level of financial services the current rural commercial bank can provide financial services in rural areas represent the ability to improve the rural. The formal financial institutions service level, needs to be sorted out factors influencing the borrowing needs of the farmers. In view of this, this paper in the form of wide investigation report The territory of Dian Manchu Autonomous County Rural credit demand of rural credit cooperatives to carry out research. Through to the county town of different types of farmers (pure planting, aquaculture, individual industrial and commercial households) questionnaires, analysis of their borrowing needs. Detailed analysis of demand factors such as: the demand of production (such as seeds. Business needs (chemical fertilizer), operating costs), children's education funds, housing, daily living expenses. Through summing up the current state of farmers demand for credit funds, credit analysis of their intention and reason. Different motives lead to different borrowing behavior, generally can be divided into three categories, in order to meet the needs of daily life, in order to in order to meet the speculative profit motive, risk prevention of future uncertainty. Finally, find out the deficiencies of rural credit agency credit needs of farmers, and based on the problems found on this support Suggestions on the sustainable development of farmers' credit demand in the future.

【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F832.43

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本文編號(hào)：1360590