林甸县农户还贷影响因素研究
发布时间：2018-11-22 18:31
【摘要】：随着农村经济的不断发展和我国对农村的深入改革，我国农业的结构得到了快速的调整，农户对资金的需求更为强烈，农户借贷行为也发生的更为频繁，但是由于农户自身情况、农业生产条件和自然灾害等方面的影响造成农村信用社的不良贷款所占比例有所提高，因此，研究如何提高农户还贷能力具有一定的现实意义。 农户是农村经济发展过程中的主体，农户借贷行为更是农村金融研究的重点，而关于农户还贷行为的研究也是不容忽视的，本文是以大庆市林甸县的农户还贷行为为主要研究对象，首先通过问卷调查的形式对大庆市林甸县随机抽取的182户农户进行调查访谈，进而对林甸县农户贷款的现状进行了解，其中包括林甸县的经济发展状况、林甸县农户借贷的基本情况、农户借款的来源、资金的用途以及农户的还贷状况。其次，分析了影响农户还贷行为的因素，主要包括：一是农户的自身特征，就是农户户主的年龄、家庭成员、劳动力数以及文化程度等。二是农户的收入，不同类型的农户收入来源不同，在此我们根据农户收入来源的差异将农户划分为四种类型，收入作为农户的还款来源对农户还贷是存在较大影响的。三是农业生产条件和农业科技对农户还贷的影响。四是自然灾害对农户还贷产生的影响。五是农村信用社方面对农户还贷的影响，包括贷款种类单一、贷款约期不合理和网点距离农户较远等。再次，借鉴了江西省婺源县农村信用社提高农户还贷的主要做法以及婺源县政府在农户贷款方面的扶持政策。最后，本文从农户自身意识、政府的扶持政策以及农村信用社三方面提出了改善大庆市林甸县农户还贷状况的建议，包括提高农户的还款意识、加强对农村劳动力的职业技能培训、加强农村基础设施建设、鼓励农民外出打工、推进旅游业发展，，开办“农家乐”、加大对自然灾害救济的投入力度以及完善社会保障体系，农村信用社方面则包括适时推出农户需要的贷款新品钟、提高农信社的经营管理能力，将信贷服务扩展到责任服务以及建立一个服务于农户和农信社的完善信用评级制度，最后希望可以通过这些手段提高农户的还款率。
[Abstract]:With the continuous development of rural economy and the deepening reform of rural areas in China, the structure of agriculture in China has been adjusted rapidly, the demand of farmers for funds is stronger, and the behavior of farmers' borrowing has also occurred more frequently. However, the proportion of non-performing loans in rural credit cooperatives has been increased due to the influence of farmers' own conditions, agricultural production conditions and natural disasters. Therefore, it is of practical significance to study how to improve farmers' ability to repay loans. Peasant households are the main body in the process of rural economic development, and farmers' lending behavior is the focus of rural finance research, and the research on farmers' loan repayment behavior should not be ignored. This paper takes the behavior of farmers' loan repayment in Lindian County of Daqing City as the main research object. Firstly, through the form of questionnaire survey, 182 households randomly selected from Lindian County of Daqing City are investigated and interviewed, and then the present situation of farmers' loans in Lindian County is understood. It includes the economic development of Lindian County, the basic situation of farmers' borrowing in Lindian County, the sources of farmers' loans, the use of funds and the repayment of loans by farmers. Secondly, it analyzes the factors that affect the behavior of farmers' repayment of loans, including: first, the characteristics of farmers, that is, the age of household heads, the number of family members, the number of labor force and the level of education, and so on. Second, the income of farmers, different types of farmers' income sources are different, we divide the farmers into four types according to the differences in the sources of farmers' income, income as a source of repayment of farmers has a greater impact on the repayment of loans to farmers. Third, agricultural production conditions and agricultural science and technology to farmers to repay the impact of loans. Fourth, the impact of natural disasters on farmers to repay loans. Fifth, the impact of rural credit cooperatives on farmers' repayment of loans, including the single type of loans, the unreasonable loan period and the distance between the network and farmers, and so on. Thirdly, the paper draws lessons from rural credit cooperatives of Wuyuan County, Jiangxi Province to improve the main practices of farmers to repay loans and the support policy of the government of Wuyuan County in the aspect of farmers' loans. Finally, this paper puts forward some suggestions on how to improve the situation of farmers' repayment of loans in Lindian County, Daqing City, from the aspects of farmers' own consciousness, government's supporting policy and rural credit cooperatives, including raising the farmers' repayment consciousness. We will strengthen vocational skills training for the rural labor force, strengthen rural infrastructure construction, encourage peasants to go out to work, promote the development of tourism, set up "farm joy", increase investment in natural disaster relief, and improve the social security system. On the other hand, the rural credit cooperatives include the timely introduction of the new loan bell needed by farmers, the improvement of the management ability of the rural credit cooperatives, the extension of credit services to the responsible services, and the establishment of a sound credit rating system serving the farmers and the rural credit cooperatives. Finally, I hope to improve the repayment rate of farmers through these means.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43
本文编号：2350197
[Abstract]:With the continuous development of rural economy and the deepening reform of rural areas in China, the structure of agriculture in China has been adjusted rapidly, the demand of farmers for funds is stronger, and the behavior of farmers' borrowing has also occurred more frequently. However, the proportion of non-performing loans in rural credit cooperatives has been increased due to the influence of farmers' own conditions, agricultural production conditions and natural disasters. Therefore, it is of practical significance to study how to improve farmers' ability to repay loans. Peasant households are the main body in the process of rural economic development, and farmers' lending behavior is the focus of rural finance research, and the research on farmers' loan repayment behavior should not be ignored. This paper takes the behavior of farmers' loan repayment in Lindian County of Daqing City as the main research object. Firstly, through the form of questionnaire survey, 182 households randomly selected from Lindian County of Daqing City are investigated and interviewed, and then the present situation of farmers' loans in Lindian County is understood. It includes the economic development of Lindian County, the basic situation of farmers' borrowing in Lindian County, the sources of farmers' loans, the use of funds and the repayment of loans by farmers. Secondly, it analyzes the factors that affect the behavior of farmers' repayment of loans, including: first, the characteristics of farmers, that is, the age of household heads, the number of family members, the number of labor force and the level of education, and so on. Second, the income of farmers, different types of farmers' income sources are different, we divide the farmers into four types according to the differences in the sources of farmers' income, income as a source of repayment of farmers has a greater impact on the repayment of loans to farmers. Third, agricultural production conditions and agricultural science and technology to farmers to repay the impact of loans. Fourth, the impact of natural disasters on farmers to repay loans. Fifth, the impact of rural credit cooperatives on farmers' repayment of loans, including the single type of loans, the unreasonable loan period and the distance between the network and farmers, and so on. Thirdly, the paper draws lessons from rural credit cooperatives of Wuyuan County, Jiangxi Province to improve the main practices of farmers to repay loans and the support policy of the government of Wuyuan County in the aspect of farmers' loans. Finally, this paper puts forward some suggestions on how to improve the situation of farmers' repayment of loans in Lindian County, Daqing City, from the aspects of farmers' own consciousness, government's supporting policy and rural credit cooperatives, including raising the farmers' repayment consciousness. We will strengthen vocational skills training for the rural labor force, strengthen rural infrastructure construction, encourage peasants to go out to work, promote the development of tourism, set up "farm joy", increase investment in natural disaster relief, and improve the social security system. On the other hand, the rural credit cooperatives include the timely introduction of the new loan bell needed by farmers, the improvement of the management ability of the rural credit cooperatives, the extension of credit services to the responsible services, and the establishment of a sound credit rating system serving the farmers and the rural credit cooperatives. Finally, I hope to improve the repayment rate of farmers through these means.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43
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