【摘要】：目前，我國(guó)農(nóng)業(yè)正處于傳統(tǒng)農(nóng)業(yè)向現(xiàn)代農(nóng)業(yè)的轉(zhuǎn)型時(shí)期，在現(xiàn)代農(nóng)業(yè)及新農(nóng)村建設(shè)過程中農(nóng)戶經(jīng)濟(jì)占有重要的戰(zhàn)略地位。面對(duì)農(nóng)村市場(chǎng)經(jīng)濟(jì)的發(fā)展，農(nóng)戶家庭經(jīng)營(yíng)收入、支出以及生產(chǎn)性投資之間必然存在時(shí)間和數(shù)量層面的差異，這種差異單靠農(nóng)戶的自身積累難以滿足，，必然產(chǎn)生對(duì)信貸的強(qiáng)烈需求。然而，隨著農(nóng)村經(jīng)濟(jì)以及農(nóng)村金融商業(yè)化改革的深入，現(xiàn)階段農(nóng)戶生產(chǎn)經(jīng)營(yíng)的信貸需求與金融機(jī)構(gòu)供給呈現(xiàn)“貸款難”與“難貸款”的格局；增加農(nóng)民收入，發(fā)展農(nóng)戶經(jīng)濟(jì)是現(xiàn)代農(nóng)業(yè)及新農(nóng)村建設(shè)重要基礎(chǔ)。基于這種現(xiàn)實(shí)，以農(nóng)戶經(jīng)營(yíng)信貸需求狀況及特征為切入點(diǎn)，全面闡釋農(nóng)戶信貸有效供需的狀況及其特征，實(shí)證剖析農(nóng)戶信貸有效供需不足的原因，進(jìn)而提出完善與創(chuàng)新農(nóng)戶信貸有效供給體系及政策建議具有重要的理論價(jià)值及現(xiàn)實(shí)指導(dǎo)意義。 論文體系共設(shè)計(jì)八章，主要研究?jī)?nèi)容：依據(jù)農(nóng)村金融及農(nóng)戶信貸供需理論，以山東省農(nóng)戶信貸供需問卷及實(shí)地調(diào)查資料為主，全面分析了農(nóng)戶信貸需求狀況及特征，實(shí)證分析農(nóng)戶信貸供給情況及特征，深入剖析了農(nóng)戶信貸有效供需不足的原因，在借鑒國(guó)外農(nóng)戶信貸供給體系建設(shè)成功經(jīng)驗(yàn)的基礎(chǔ)上，有針對(duì)性提出了完善與創(chuàng)新農(nóng)戶信貸有效供給體系及政策建議。 主要研究結(jié)論： 一是通過問卷及實(shí)地調(diào)查，實(shí)證分析了現(xiàn)階段我國(guó)農(nóng)戶信貸需求狀況及特征：即農(nóng)戶經(jīng)營(yíng)活動(dòng)多樣化，具有較強(qiáng)的資金融入需求，親朋好友和農(nóng)村信用社是農(nóng)戶信貸主要供給者；農(nóng)戶貸款用途涉及生產(chǎn)和生活等多元化特征； 二是運(yùn)用有效供給理論與調(diào)查資料，系統(tǒng)分析了農(nóng)戶信貸有效供給狀況及特征。即現(xiàn)階段農(nóng)戶信貸供給中，農(nóng)村信用社為主，農(nóng)業(yè)銀行與農(nóng)業(yè)發(fā)展銀行次之，新型金融機(jī)構(gòu)（村鎮(zhèn)銀行、資金互助社）再次，非銀行金融機(jī)構(gòu)（貸款公司、擔(dān)保公司）及民間金融為補(bǔ)充。整體有效供給不足是基本態(tài)勢(shì)； 三是在全面反映、分析了農(nóng)戶信貸供需現(xiàn)況及主要特征基礎(chǔ)上，深入剖析了導(dǎo)致農(nóng)戶信貸有效供給不足的主要根源：農(nóng)戶貸款用途易變性多，風(fēng)險(xiǎn)大，交易成本高，擔(dān)保（抵押品）條件不充分；農(nóng)村金融機(jī)構(gòu)商業(yè)化貸款條件現(xiàn)顯，金融機(jī)構(gòu)貸款風(fēng)險(xiǎn)、內(nèi)控制度約束嚴(yán)格，信貸人員存有“懼貸”心理；農(nóng)村金融組織體系建設(shè)不夠完善，鄉(xiāng)鎮(zhèn)村基層金融網(wǎng)點(diǎn)機(jī)構(gòu)覆蓋面低，信貸人員支農(nóng)動(dòng)力不足，金融市場(chǎng)競(jìng)爭(zhēng)不充分；金融政策扶持尚欠連續(xù)性，缺乏細(xì)則與規(guī)范，有些相關(guān)政策設(shè)置門檻太高，影響了農(nóng)村金融機(jī)構(gòu)的積極性； 四是在借鑒國(guó)外農(nóng)戶信貸供給體系成功經(jīng)驗(yàn)的基礎(chǔ)上，構(gòu)建了新時(shí)期完善與創(chuàng)新農(nóng)戶信貸有效供給體系的總體策略及原則；從功能視角，闡述了完善與創(chuàng)新農(nóng)戶信貸有效供給體系及其功能的主體措施。即科學(xué)構(gòu)建農(nóng)戶信貸有效供給組織體系，創(chuàng)新農(nóng)戶信貸服務(wù)模式及產(chǎn)品體系，加強(qiáng)農(nóng)戶信用體系建設(shè)，改革與完善農(nóng)村金融監(jiān)管體系，科學(xué)構(gòu)建農(nóng)村金融政策支持體系；在此基礎(chǔ)上，還應(yīng)該科學(xué)設(shè)計(jì)農(nóng)戶貸款抵押權(quán)（物品），建立健全農(nóng)村合作金融法規(guī)及積極推進(jìn)農(nóng)村金融利率市場(chǎng)化改革。
[Abstract]:At present, China's agriculture is in the transition period of traditional agriculture to modern agriculture, and the farmer's economy has an important strategic position in the process of modern agriculture and new rural construction. In the face of the development of the rural market economy, there is an inevitable difference in the time and quantity between the household operating income, the expenditure and the productive investment. However, with the deepening of the rural economy and the commercial reform of the rural finance, the credit demand of the production and operation of the farmers and the supply of the financial institutions to the "The loan is hard" and the "hard-to-loan" in the present stage, the increase of the farmer's income and the development of the farmer's economy are the important basis of the modern agriculture and the new rural construction. Based on this reality, the paper fully explains the situation and characteristics of the effective supply and demand of the credit of the farmers, and the reason of the shortage of the effective supply and demand of the credit of the farmers. Furthermore, it is of great theoretical value and practical guiding significance to perfect and innovate the effective supply system and policy of the credit of the farmer. This paper designs eight chapters. The main contents are as follows: According to the theory of the supply and demand of the rural finance and the farmer's credit, the supply and demand questionnaire and the field survey data of the farmers' credit in Shandong Province are the main factors, and the conditions and characteristics of the credit demand of the farmers are comprehensively analyzed, and the supply of the credit of the farmers and the special characteristics of the farmers are analyzed. On the basis of reference to the successful experience of the rural household credit supply system, the paper puts forward the perfect and innovative system of effective supply of credit for farmers and the establishment of the policy. Main research and research The first one, through the questionnaire and the field survey, analyzes the current situation and characteristics of the credit demand of the farmers in our country, namely, the diversification of the farmer's operating activities, the strong fund integration requirement, the family and family and the rural credit cooperatives are the credit of the farmers. The main tenant; the use of the farmer's loan involves the production and the living, etc. The second is to use the effective supply theory and the survey data to analyze the effective credit of the farmers. Supply situation and characteristics. In the present stage, the rural credit cooperatives are mainly rural credit cooperatives, the Agricultural Bank of China is the second with the agricultural development bank, the new financial institution (the bank of small and small towns, the credit union), and the non-bank financial institutions (the loan company, the guarantee company) and the non-bank financial institutions (the loan company, the guarantee company) and the non-bank financial institutions ( Civil finance is complementary. The overall effective supply The deficiency is the basic situation; third, on the basis of comprehensive reflection and analysis of the current status and main characteristics of the supply and demand of the farmers' credit, the main causes of the shortage of the effective supply of credit for farmers are analyzed in-depth: the use of the loan for farmers is more and more, The risk is high, the transaction cost is high, the guarantee (security) condition is not sufficient, the commercial loan conditions of the rural financial institutions are now obvious, the loan risk of the financial institution and the restraint of the internal control system are strict, the credit personnel have the "credit loan" psychology, the construction of the rural financial organization system is not perfect, the village-level gold of the village and the village The coverage of the network outlets is low, the power of the credit personnel is insufficient, the competition in the financial markets is not sufficient, the financial policy support is still under the continuity, the rules and regulations are lacking, and some related policy setting thresholds are too high to influence the farmers The fourth is to build the overall strategy and principle of perfecting and innovating the effective supply system of credit for the farmers in the new period based on the successful experience of the foreign farmers' credit supply system, and the effective supply of credit to the innovative farmers from the functional perspective. The main measure of the system and its function is to construct the effective supply organization system of the farmer's credit, to innovate the model of credit service and the product system of the farmers, to strengthen the construction of the credit system of the farmers, to reform and perfect the rural financial supervision system and to construct the rural financial affairs scientifically. On the basis of this, we should also scientifically design the mortgage right of farmers (goods), establish and improve the financial regulations of rural cooperation and promote the positive promotion
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.43

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