發(fā)布時(shí)間：2018-03-23 10:54

  本文選題：農(nóng)村金融　切入點(diǎn)：農(nóng)戶　出處：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：隨著各項(xiàng)改革措施的推動(dòng),我國(guó)金融行業(yè)發(fā)展速度較快,金融領(lǐng)域結(jié)構(gòu)性改革也獲得了非凡成績(jī)。但農(nóng)村金融市場(chǎng)發(fā)展尚不完善,存在供給與需求不對(duì)等現(xiàn)象,諸多市場(chǎng)矛盾的存在導(dǎo)致居民的借貸需求不能夠完全得到滿足�，F(xiàn)有農(nóng)村金融體系里,突出現(xiàn)象是正規(guī)金融機(jī)構(gòu)與非正規(guī)金融機(jī)構(gòu)同時(shí)存在,而農(nóng)戶借貸最主要的滿足途徑是民間金融市場(chǎng);因?yàn)橄啾扔谡��?guī)金融機(jī)構(gòu),非正規(guī)借貸方式更加強(qiáng)調(diào)社會(huì)關(guān)系這一因素,且借貸風(fēng)險(xiǎn)比較小。因此大多農(nóng)戶的借貸需求無(wú)法從正規(guī)金融機(jī)構(gòu)得到滿足,民間借貸市場(chǎng)卻發(fā)展的如火如荼,導(dǎo)致民間金融市場(chǎng)暴露出許多隱患,不僅對(duì)發(fā)展和完善我國(guó)農(nóng)村金融市場(chǎng)產(chǎn)生了影響,也阻礙了我國(guó)農(nóng)業(yè)供給側(cè)改革進(jìn)程。隨著新型現(xiàn)代農(nóng)村建設(shè)以及城鎮(zhèn)化步伐的推進(jìn),農(nóng)村金融市場(chǎng)農(nóng)民借貸需求主體地位漸漸穩(wěn)固。研究農(nóng)戶借貸行為影響因素不僅對(duì)于緩解農(nóng)戶借貸需求得不到滿足現(xiàn)象有利,一定程度上可以促進(jìn)農(nóng)村金融機(jī)構(gòu)的轉(zhuǎn)型升級(jí)和城鎮(zhèn)化的快速發(fā)展。農(nóng)村金融市場(chǎng)上農(nóng)戶的資金融通活動(dòng)尤為重要,其行為特征受到各類因素的影響。其中包括外部環(huán)境因素和個(gè)體自身因素的作用,外界影響主要包括金融市場(chǎng)的發(fā)達(dá)程度、經(jīng)濟(jì)發(fā)展水平、金融政策等方面;金融市場(chǎng)發(fā)展越迅速,農(nóng)戶借貸的便利程度也會(huì)隨著政策的放開而增加,農(nóng)戶的借貸行為必然因此增多;另外,經(jīng)濟(jì)發(fā)展程度較高的地區(qū),經(jīng)濟(jì)結(jié)構(gòu)相對(duì)復(fù)雜,農(nóng)戶文化水平以及素養(yǎng)相比偏遠(yuǎn)地區(qū)高,農(nóng)戶從事工作多樣化,投資與消費(fèi)支出也呈現(xiàn)出逐步上升趨勢(shì),因此其資金借貸活動(dòng)也比較多。個(gè)體影響因素主要是從農(nóng)戶自身角度出發(fā),一般情況下,借貸行為會(huì)受到農(nóng)戶年齡、性別、家庭收入、消費(fèi)支出結(jié)構(gòu)、耕地面積以及社會(huì)關(guān)系的影響,擁有不同特征的農(nóng)戶的借貸行為是有差異的,具體哪些因素才是影響我國(guó)農(nóng)村居民借貸行為的主要因素要根據(jù)該地區(qū)居民生產(chǎn)生活特征有針對(duì)性的進(jìn)行分析。本文首先簡(jiǎn)單闡述了農(nóng)業(yè)供給側(cè)改革現(xiàn)狀以及農(nóng)村借貸市場(chǎng)供給與需求,發(fā)現(xiàn)市場(chǎng)中存在供需矛盾,導(dǎo)致居民借貸需求不能滿足,并結(jié)合國(guó)家目前實(shí)施的農(nóng)業(yè)供給側(cè)結(jié)構(gòu)性改革措施分析其對(duì)農(nóng)村借貸市場(chǎng)的影響。進(jìn)一步對(duì)皖北農(nóng)村地區(qū)家庭以問(wèn)卷調(diào)查的方式,探究農(nóng)村居民借貸活動(dòng)影響因素;以是否存在借貸行為當(dāng)作因變量,以年齡、性別、婚姻狀況、受教育程度、耕地面積等10個(gè)因素設(shè)置成自變量,將整理所得數(shù)據(jù)運(yùn)用二元選擇模型回歸分析,對(duì)農(nóng)戶借貸活動(dòng)作用相對(duì)顯著的變量作出剖析。最后歸納本文給出結(jié)論,結(jié)合農(nóng)戶借貸行為存在的突出問(wèn)題給出三個(gè)層次的建議,其中包括國(guó)家政策層面、金融機(jī)構(gòu)層面以及農(nóng)戶自身層面。
[Abstract]:With the promotion of various reform measures, China's financial industry is developing faster, and the structural reform of the financial sector has also made remarkable achievements. However, the development of the rural financial market is not perfect, and there is a phenomenon of unequal supply and demand. Because of the existence of many market contradictions, the residents' demand for loans and loans cannot be completely satisfied. In the existing rural financial system, the prominent phenomenon is that formal financial institutions and informal financial institutions exist at the same time. The most important way to satisfy farmers' borrowing is the private financial market. Compared with the formal financial institutions, informal lending methods place more emphasis on social relations. And the risk of borrowing is relatively small. Therefore, most farmers' lending needs cannot be satisfied by formal financial institutions, but the private lending market is developing in full swing, resulting in the exposure of many hidden dangers in the private financial market. It not only affects the development and perfection of rural financial market, but also hinders the process of agricultural supply-side reform. The principal position of farmers' loan demand in rural financial market is becoming more and more stable. It is beneficial to study the influencing factors of farmers' borrowing behavior to alleviate the phenomenon that farmers' loan demand is not satisfied. To a certain extent, it can promote the transformation and upgrading of rural financial institutions and the rapid development of urbanization. The behavioral characteristics are influenced by various factors, including external environmental factors and individual factors, which mainly include the developed degree of financial market, the level of economic development, the financial policy and so on. The faster the financial market develops, the more convenient it will be for farmers to borrow and borrow, which will inevitably increase as a result of the opening up of policies. In addition, in areas with higher economic development, the economic structure is relatively complex. Farmers' education level and literacy are higher than those in remote areas, farmers' work is diversified, and their investment and consumption expenditures are also showing a gradual upward trend. Therefore, its capital lending activities are also more. The individual influencing factors are mainly from the perspective of the farmers themselves. Generally speaking, the lending behavior will be affected by the farmers' age, gender, household income, consumption expenditure structure, The influence of cultivated land area and social relations, the farmers with different characteristics of the lending behavior is different, What factors are the main factors that affect the behavior of rural residents in our country should be analyzed according to the characteristics of production and life in this area. Firstly, this paper briefly expounds the current situation of agricultural supply-side reform and agriculture. Village loan market supply and demand, It was found that there was a contradiction between supply and demand in the market, which led to the inability of residents to meet their borrowing needs. Combining with the agricultural supply-side structural reform measures currently implemented by our country, this paper analyzes its influence on the rural loan market, and further investigates the influencing factors of the rural residents' lending activities by questionnaire to the families in rural areas of northern Anhui Province. With the existence of lending behavior as dependent variables, with age, sex, marital status, education, cultivated land and other 10 factors as independent variables, the collected data were analyzed by binary selection model regression analysis. Finally, this paper summarizes the conclusion and gives three levels of suggestions, including the national policy level, combined with the outstanding problems existing in the farmers' lending behavior. Financial institutions and farmers themselves.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.43

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