發(fā)布時間：2018-11-11 14:27

【摘要】：近年來，農(nóng)民創(chuàng)業(yè)廣受關(guān)注，不僅解決農(nóng)民就業(yè)，還促進了農(nóng)村經(jīng)濟發(fā)展，對農(nóng)業(yè)的發(fā)展也具有一定積極影響，農(nóng)民創(chuàng)業(yè)對解決“三農(nóng)問題”具有重要意義，它帶動農(nóng)村經(jīng)濟發(fā)展，縮小城鄉(xiāng)差距，增加農(nóng)民收入，改善農(nóng)民生存生活環(huán)境，所以國家鼓勵農(nóng)民創(chuàng)業(yè)。然而創(chuàng)業(yè)不得不面臨大量資金的投入，于是農(nóng)民信貸需求繼而成為焦點，農(nóng)民創(chuàng)業(yè)信貸需求資金難滿足已成為現(xiàn)實，如何改善金融環(huán)境，調(diào)整金融機構(gòu)融合現(xiàn)代農(nóng)民貸款需求，是本文研究重點。 本文主要從新疆瑪納斯縣農(nóng)民創(chuàng)業(yè)的現(xiàn)實狀況入手，農(nóng)民創(chuàng)業(yè)為主線，對大量的農(nóng)民在農(nóng)村創(chuàng)業(yè)的現(xiàn)象，導致信貸需求定義的概念的出現(xiàn)，然后從農(nóng)民企業(yè)家的應用信用的調(diào)查，收入支出開始調(diào)查，對新疆瑪納斯縣農(nóng)民創(chuàng)業(yè)信貸需求進行調(diào)查研究，對現(xiàn)有的農(nóng)民創(chuàng)業(yè)模式進行現(xiàn)狀和發(fā)展空間等多層次的分析，尋找影響農(nóng)民信貸需求供不應求的因素，從農(nóng)民自身和金融機構(gòu)環(huán)境等兩個方面剖析產(chǎn)生這種不平衡的原因,并從政府、金融機構(gòu)和農(nóng)民自身等三個方面對農(nóng)民創(chuàng)業(yè)信貸需求融資難進行歸納和總結(jié)。主要采用文獻法，通過對CNKI學術(shù)期刊檢索系統(tǒng)、石河子大學圖書館豐富的圖書信息資源，盡可能多地參閱大量國內(nèi)外相關(guān)文獻，，豐富論文內(nèi)容，為支持自己的觀點獲得有利的理論基礎(chǔ)；問卷調(diào)查法，本研究以新疆瑪納斯縣為樣本，對其發(fā)放問卷300份，回收后，經(jīng)過分析整理，對調(diào)查結(jié)果進行了統(tǒng)計和分析總結(jié)，對后面金融支持農(nóng)民創(chuàng)業(yè)研究分析有一定支持作用；統(tǒng)計和定量分析方法，使用的調(diào)查數(shù)據(jù)，統(tǒng)計方法的應用，組織和分析數(shù)據(jù)，并在此基礎(chǔ)上，看到了大量的以前的統(tǒng)計研究方法，從而保證研究的科學性和準確性。 最后，提出了解決農(nóng)民創(chuàng)業(yè)融資難的建議，包括開展農(nóng)民創(chuàng)業(yè)培訓班，引導農(nóng)民關(guān)注金融咨詢；金融機構(gòu)加強對內(nèi)對外管制；國家政府為農(nóng)民提供優(yōu)惠創(chuàng)業(yè)貸款政策，改善農(nóng)村創(chuàng)業(yè)環(huán)境等。最終，從農(nóng)村長遠發(fā)展和農(nóng)民創(chuàng)業(yè)角度，對瑪納斯縣農(nóng)民創(chuàng)業(yè)信貸需求得出結(jié)論，并針對現(xiàn)狀做出展望。
[Abstract]:In recent years, farmers' entrepreneurship has attracted a lot of attention. It not only solves the problem of farmers' employment, but also promotes the development of rural economy, and has a positive impact on the development of agriculture. It is of great significance to solve the "three rural problems". It promotes the development of rural economy, reduces the gap between urban and rural areas, increases the income of farmers, and improves the living environment of farmers, so the state encourages farmers to start a business. However, starting a business has to face a large amount of capital investment, so the farmers' credit demand has become the focus. It has become a reality that the farmers' credit demand is difficult to meet. How to improve the financial environment and adjust the financial institutions to integrate the modern farmers' loan needs. It is the focus of this paper. This paper mainly starts with the reality of farmers' entrepreneurship in Manas County, Xinjiang. The main line of farmers' entrepreneurship is the phenomenon of a large number of farmers' undertaking in rural areas, which leads to the emergence of the concept of definition of credit demand. Then, from the investigation of the applied credit of farmers' entrepreneurs, the investigation of income expenditure, the investigation and research on the credit demand of farmers' entrepreneurship in Manas County, Xinjiang, and the analysis of the current situation and development space of the existing mode of farmers' entrepreneurship, To find out the factors that affect the demand of farmers' credit exceeds supply, and analyze the causes of this imbalance from two aspects, such as farmers themselves and the environment of financial institutions, and from the government, Financial institutions and farmers themselves are difficult to sum up and sum up the financing difficulties of farmers' entrepreneurial credit demand. This article mainly adopts the literature method, through the CNKI academic periodical retrieval system, the Shihezi University library abundant book information resources, as many as possible consult the massive domestic and foreign related literature, enriches the thesis content, To gain a favorable theoretical basis to support one's point of view; In this study, 300 questionnaires were sent out to Manas County, Xinjiang. After collected, the survey results were analyzed and summarized. The research and analysis of financial support for farmers' entrepreneurship has some support role; Statistical and quantitative analysis methods, the survey data used, the application of statistical methods, the organization and analysis of data, and on this basis, see a large number of previous statistical research methods, so as to ensure the scientific nature and accuracy of the research. Finally, the paper puts forward some suggestions to solve the difficulties of farmers' venture financing, including developing training courses for farmers' entrepreneurship, guiding farmers to pay attention to financial consultation, strengthening financial institutions' internal and external control; The national government provides preferential loan policy for farmers to improve the rural entrepreneurial environment. Finally, from the perspective of rural long-term development and farmers' entrepreneurship, the paper draws a conclusion on the farmers' credit demand for entrepreneurship in Manas County, and makes a prospect for the present situation.
【學位授予單位】：石河子大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.43

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本文編號：2325113