本文選題：聊城市 + 農(nóng)戶��； 參考：《吉林農(nóng)業(yè)大學》2015年碩士論文

【摘要】：中國金融體制改革以來,農(nóng)村地區(qū)的金融覆蓋面得到了很大提高。但是,近年來一些學者的調(diào)查研究表明,在中國的廣大農(nóng)村地區(qū)仍然面臨著較為嚴重的正規(guī)信貸約束。正規(guī)信貸約束的形成除了是由于正規(guī)金融部門對借款者的信貸配給之外,來自于需求方面的信貸約束也不可忽視。借款者自身由于種種原因形成了需求壓抑,進而導致對正規(guī)金融的需求型信貸約束。本文以聊城市為例實證分析農(nóng)戶的信貸需求和信貸約束問題,考察農(nóng)戶正規(guī)信貸約束的真實原因,以期為解決聊城市農(nóng)戶信貸約束問題提出有針對性的建議。本文基于對聊城市農(nóng)戶的實地調(diào)查數(shù)據(jù),采用描述性統(tǒng)計研究聊城市農(nóng)戶的正規(guī)信貸需求現(xiàn)狀以及農(nóng)戶受到正規(guī)信貸約束的程度,并用Logistic回歸模型分析正規(guī)信貸約束形成的原因及影響因素。同時得出了如下結(jié)論:(1)戶主家中是否做生意、家庭中外出務工人數(shù)、家中是否有長期患病者、戶主年齡、人均工資收入、家庭總收入、非農(nóng)收入占總收入比重、是否了解農(nóng)信社貸款的條件及申請程序以及是否有信用社貸款未還這9個變量通過了顯著性檢驗。其中,家中是否有患病者、家中是否做生意以及家庭總收入正向影響農(nóng)戶受到正規(guī)信貸約束的概率;家庭中外出務工人數(shù)、戶主年齡、人均工資收入、非農(nóng)收入占總收入的比重、是否了解農(nóng)信社貸款的條件及申請程序以及是否有信用社貸款未還則負向影響農(nóng)戶受到正規(guī)信貸約束的概率。(2)家庭規(guī)模(家庭人口數(shù))、家庭勞動力人數(shù)、社會經(jīng)歷、戶主受教育年限、戶主是否有技能、土地規(guī)模、家庭固定資產(chǎn)、農(nóng)戶住處與金融網(wǎng)點的距離這些變量沒有通過顯著性檢驗,說明這些因素對農(nóng)戶是否受到正規(guī)信貸約束的影響并不顯著。以上研究結(jié)論,為解決聊城市農(nóng)戶的正規(guī)信貸約束提供了重要啟示。
[Abstract]:Since the reform of China's financial system, the financial coverage in rural areas has been greatly improved. However, in recent years, some scholars' research shows that the rural areas in China still face more serious formal credit constraints. The formation of formal credit constraint is not only due to the credit rationing of the formal financial sector to borrowers, but also from the demand side of credit constraints can not be ignored. Borrowers themselves form demand repression for various reasons, which leads to demand-type credit constraints on formal finance. This paper takes Liaocheng as an example to analyze the problem of farmers' credit demand and credit constraint, to investigate the real reasons of farmers' formal credit constraints, and to put forward some suggestions for solving the problem of farmers' credit constraints in Liaocheng City. Based on the field survey data of farmers in Liaocheng City, this paper uses descriptive statistics to study the current situation of farmers' formal credit demand and the degree of the farmers being constrained by formal credit. Logistic regression model is used to analyze the causes and influencing factors of formal credit constraint. At the same time, the following conclusions are drawn: is the head of household doing business, the number of migrant workers in the household, whether there are chronically ill persons in the household, age of the head of household, per capita wage income, total household income, non-farm income as a proportion of total income, Whether to understand the conditions and application procedures of RCC loans and whether there are 9 variables that have not been repaid by RCCs have passed the significance test. Among them, whether there are sick people in the family, whether the family does business or not, and whether the total income of the family is positively related to the probability of farmers being restricted by formal credit, the number of migrant workers in the household, the age of the head of household, the income of the wage per capita, The share of non-farm income in total income, Do you understand the conditions and application procedures for RCCs loans and whether the failure of credit union loans has a negative impact on the probability of farmers being constrained by formal credit?) family size (household size, family labor force, social experience, etc.), The number of years of schooling, whether the head of the household has skills, the scale of the land, the fixed assets of the household, the distance between the farmer's residence and the financial network has not passed the significance test. It shows that the influence of these factors on farmers' formal credit constraints is not significant. The above conclusions provide important inspiration for solving the formal credit constraints of farmers in Liaocheng.
【學位授予單位】：吉林農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.43

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本文編號：1827101