本文關(guān)鍵詞： 農(nóng)戶 信貸約束 需求 供給 正規(guī)金融　出處：《湖南農(nóng)業(yè)大學》2013年碩士論文　論文類型：學位論文

【摘要】：目前農(nóng)村正規(guī)的金融機構(gòu)主要包括農(nóng)業(yè)銀行、農(nóng)業(yè)發(fā)展銀行、農(nóng)村信用社以及郵政儲蓄銀行,而在這幾個機構(gòu)中農(nóng)村信用社覆蓋面最廣。隨著社會的不斷進步,即使是相對不發(fā)達的農(nóng)村地區(qū),農(nóng)戶無論是在農(nóng)業(yè)生產(chǎn),還是生活上都對資金的需求意愿都越來越強�？墒�,農(nóng)戶融資需求金額小、風險大,無法滿足正規(guī)金融機構(gòu)防范風險的要求,由此引起了農(nóng)戶信貸約束問題。有學者通過實證分析,顯示我國農(nóng)戶的貸款中,僅有30%左右來自農(nóng)村正規(guī)金融機構(gòu),將近70%的貸款則來自非正規(guī)的民間金融組織,說明農(nóng)戶從正規(guī)金融機構(gòu)獲得貸款受到約束。所以,要促進我國農(nóng)村經(jīng)濟健康持續(xù)發(fā)展,應該要不斷緩解農(nóng)戶的信貸約束,滿足農(nóng)戶日益增長的信貸需求。文章試圖通過湖南省農(nóng)村信用社相關(guān)數(shù)據(jù),對農(nóng)戶信貸約束進行研究,以期引發(fā)對農(nóng)戶信貸約束問題更多的關(guān)注,并且尋求緩解農(nóng)戶信貸約束的有效途徑。文章共分為五章, 第一章為文章的引言,主要闡述了文章的選題背景及意義,國內(nèi)外研究現(xiàn)狀及其相應評述,交代文章的研究思路和研究方法、文章的結(jié)構(gòu)安排以及創(chuàng)新之處。 第二章為文章的理論分析,分析了緩解農(nóng)戶信貸約束的現(xiàn)實依據(jù),界定了農(nóng)村正規(guī)金融和非正規(guī)金融、農(nóng)戶、信貸、信貸約束等基本概念,建立一個簡單的模型,以便于描述信貸約束的形成,為下文的實證分析提供相應的理論支持。 第三章為定量分析,在前述理論分析基礎(chǔ)上,利用從湖南省農(nóng)村信用社獲得的數(shù)據(jù),對農(nóng)戶信貸約束做出實證分析。 第四章為農(nóng)戶信貸約束的影響因素,從農(nóng)戶信貸需求和農(nóng)戶信貸供給兩個方面來分析其影響因素。 第五章為文章的結(jié)論及政策建議,通過對農(nóng)戶信貸約束的實證和規(guī)范分析,有針對性的提出緩解農(nóng)戶信貸約束的相關(guān)政策建議。
[Abstract]:At present, the rural formal financial institutions mainly include the Agricultural Bank, Agricultural Development Bank, Rural Credit Cooperatives and Postal savings Bank, but in these institutions the coverage of rural credit cooperatives is the most extensive. With the continuous progress of society. Even in the relatively underdeveloped rural areas, farmers are more and more willing to demand funds in both agricultural production and daily life. However, the amount of farmers' financing needs is small and the risk is high. Unable to meet the requirements of the formal financial institutions to guard against risks, this caused the problem of farmers' credit constraints. Some scholars through empirical analysis, show that our country's farmers in the loans. Only about 30% from rural formal financial institutions, nearly 70% of loans from informal private financial organizations, indicating that farmers from formal financial institutions to obtain loans are constrained. In order to promote the healthy and sustainable development of rural economy in China, we should constantly ease the credit constraints of farmers and meet the increasing credit needs of farmers. This paper attempts to use the relevant data of Hunan Rural Credit Cooperatives. In order to arouse more attention to the problem of farmers' credit constraints and to seek effective ways to alleviate them, the paper is divided into five chapters. The first chapter is the introduction of the article, mainly describes the background and significance of the topic, domestic and foreign research status and its corresponding comments, the article's research ideas and research methods. The structure and innovation of the article. The second chapter is the theoretical analysis of the article, analysis of the real basis for easing the farmers' credit constraints, define the rural formal and informal finance, farmers, credit, credit constraints and other basic concepts. A simple model is established to describe the formation of credit constraints and provide theoretical support for the empirical analysis below. The third chapter is quantitative analysis, on the basis of theoretical analysis, using the data obtained from Hunan Rural Credit Cooperatives to make an empirical analysis of farmers' credit constraints. Chapter 4th is about the influencing factors of farmers' credit constraints, which are analyzed from the two aspects of farmers' credit demand and farmers' credit supply. Chapter 5th is the conclusion of the article and policy recommendations, through the empirical and normative analysis of farmers' credit constraints, targeted to ease the farmers' credit constraints related policy recommendations.
【學位授予單位】：湖南農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.43

【參考文獻】

相關(guān)期刊論文 前10條

1 賈澎;張攀峰;陳池波;;基于農(nóng)業(yè)產(chǎn)業(yè)化視角的農(nóng)戶融資行為分析——河南省農(nóng)民金融需求的調(diào)查[J];財經(jīng)問題研究;2011年02期

2 李樂;劉濤;王蕾;;農(nóng)村金融需求的現(xiàn)狀及影響因素——基于對成都市農(nóng)戶的調(diào)查[J];金融論壇;2011年06期

3 朱少洪;張文棋;張?zhí)m花;;農(nóng)戶信貸供給約束實證研究——以福建省為例[J];福建金融;2010年12期

4 朱守銀,張照新,張海陽,汪承先;中國農(nóng)村金融市場供給和需求——以傳統(tǒng)農(nóng)區(qū)為例[J];管理世界;2003年03期

5 黃祖輝;劉西川;程恩江;;中國農(nóng)戶的信貸需求:生產(chǎn)性抑或消費性——方法比較與實證分析[J];管理世界;2007年03期

6 仇娟東;何風雋;;西部地區(qū)農(nóng)戶金融需求及其影響因素的實證分析[J];石家莊經(jīng)濟學院學報;2011年01期

7 張正平;何廣文;;農(nóng)戶信貸約束研究進展述評[J];河南社會科學;2009年02期

8 馬曉青;朱喜;史清華;;信貸抑制與農(nóng)戶投資回報——云南、寧夏農(nóng)戶調(diào)查案例分析[J];上海經(jīng)濟研究;2010年09期

9 褚保金;盧亞娟;張龍耀;;農(nóng)戶不同類型借貸的需求影響因素實證研究——以江蘇省泗洪縣為例[J];江海學刊;2008年03期

10 張惠茹;;農(nóng)村金融市場充足性缺口:實證分析[J];廣東金融學院學報;2008年03期

，

本文編號：1460356