基于农户信贷需求的我国农村金融体系改革研究

发布时间：2018-04-29 06:42

本文选题：农户信贷需求 + 农村金融体系　；参考：《山东财经大学》2012年硕士论文

【摘要】：我国当前存在的政策性、商业性和合作性的三大类金融机构，这三类的金融机构看似能够覆盖不同农村地区、农户的金融需求，但是实践情况并不理想，多数的农村金融机构并没有充分发挥其应有的作用，这不利于我国国民经济的发展和社会主义新农村建设。探索如何进行农村金融体系改革，实现农村金融体系有序、完善的运行，充分满足农村地区，特别是农户的信贷需求，是一个非常具有现实意义的论题，也是亟待解决的重要问题。本论文从农户信贷需求的角度入手，对我国农村金融体系改革问题进行分析。通过对山东省农户信贷状况的调查，并且运用单因素分析和Logit分析，对影响农户信贷需求的主要因素进行阐述。结合当前农户信贷需求的现状，又进一步指出我国农村金融供给存在的问题，找到农户信贷供需之间的矛盾点。在此基础上，，研究我国农村金融体系改革的具体思路，并提出政策建议。
[Abstract]:There are currently three types of financial institutions in China: policy-oriented, commercial and cooperative. These three types of financial institutions seem to be able to cover the financial needs of farmers in different rural areas, but the practical situation is not satisfactory. Most rural financial institutions do not give full play to their due role, which is not conducive to the development of our national economy and the construction of a new socialist countryside. To explore how to reform the rural financial system, to realize the orderly and perfect operation of the rural financial system, and to fully meet the credit needs of rural areas, especially farmers, is a topic of great practical significance. It is also an important problem to be solved. From the perspective of farmers' credit demand, this paper analyzes the reform of rural financial system in China. Through the investigation of the credit situation of farmers in Shandong Province, and the single factor analysis and Logit analysis, this paper expounds the main factors that affect the credit demand of farmers. Combined with the current situation of farmers' credit demand, this paper further points out the problems existing in the supply of rural finance in China, and finds out the contradiction between the supply and demand of farmers' credit. On this basis, this paper studies the specific ideas of rural financial system reform in China, and puts forward policy recommendations.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【相似文献】