涉农小额信贷信用管理信息平台的研究

发布时间：2018-06-18 00:33

本文选题：信息不对称 + 信贷系统平台　；参考：《安徽农业大学》2012年硕士论文

【摘要】：“三农”问题贯穿我国经济发展的始终,其基础战略性地位不言而喻。对该问题的重视,既是我国经济长久稳定发展的保障,更是夯实以内需拉动经济增长的新模式的基础。农民经济收入增速慢是“三农”问题的核心,农村地区缺乏必要的金融支撑则是制约农村经济发展及农民收入提高的主要因素。涉农小额信贷问题具体表现为农户贷款难,涉农信贷资金外流严重等情况。于是,就产生了研究涉农小额信贷问题的成因及解决对策这—社会主义新农村建设过程中亟待解决的一个重要问题。涉农小额信贷一直是我国农村金融的重要组成部分,随着国家支农扶农政策力度的加强,近年来农户贷款难这一现象有所好转,但问题仍然存在。对于这个问题,国内外专家学者大多从金融抑制和金融深化的角度展开分析和探讨,而本文认为农村涉农信贷市场中的信息不对称现象是造成农户贷款难问题的主因,金融机构和农户作为农村金融市场中信贷资金的供需双方,对彼此都存在着信息不对称。一方面,农户不能及时迅速地了解金融机构最新的涉农贷款业务,另一方面金融机构对农户的还款能力等方面的信息缺乏必要的了解。在信息不对称的逆向选择效应和道德风险效应的作用下,很容易造成金融机构涉农贷款发放难、回收率低以及农户贷款难等制约农村经济发展和农户贷款难等问题的产生。因此,本文选择从信息经济学角度入手,通过构建农户信贷市场模型,分析涉农信贷市场中因信息不对称产生的逆向选择效应和道德风险效应,并在此基础上分析农户贷款难的具体成因以及具有针对性的对策建议。本文认为对我国涉农小额信贷问题的研究,可以从信息不对称理论的视角去展开,本文主要从以下五个部分展开研究思路：第一部分,总体介绍本文的选题背景、研究内容及方法,同时综述国内外学者对该问题的研究成果。第二部分,对涉农小额信贷进行简要概述,并分别对我国涉农信贷市场供需双方进行需求预测,并借助现有的统计资料和调研数据,剖析农户贷款难问题的现状及成因。第三部分,基于信息不对称理论建立我国涉农信贷市场模型,借由它详细剖析涉农信贷市场中的逆向选择和道德风险。第四部分,针对农户贷款难问题的现状及成因提出解决对策：构建涉农信贷信息系统平台和推广小额信贷公司。第五部分,结合我国现阶段的具体国情提出一些与本文所提的两种对策相适的政策建议,以期更好的解决农户贷款难问题。总之,本文认为从信息不对称角度对我国涉农小额信贷问题展开研究分析并提出相应的对策建议,不仅具有较强的理论创新意义,而且对我国当前的农村金融改革以及社会主义新农村建设而言具有现实指导意义。
[Abstract]:The issue of agriculture, rural areas and farmers runs through the economic development of our country, and its basic strategic position is self-evident. Paying attention to this problem is not only the guarantee of the long-term and stable development of China's economy, but also the foundation of the new model of domestic demand driving economic growth. The slow growth rate of farmers' economic income is the core of the "three rural areas" problem, and the lack of necessary financial support in rural areas is the main factor that restricts the development of rural economy and the increase of farmers' income. The problems of agriculture-related microcredit are difficult for farmers and serious outflow of funds for agricultural credit. As a result, the research on the causes and countermeasures of the agricultural microfinance problem is an important problem to be solved in the process of the construction of the new socialist countryside. Agricultural microfinance has always been an important part of rural finance in China. With the strengthening of the national policy of supporting agriculture and agriculture, the phenomenon of farmers' loan difficulties has improved in recent years, but the problem still exists. Most experts and scholars at home and abroad analyze and discuss this problem from the angle of financial suppression and financial deepening, and this paper holds that the information asymmetry phenomenon in the rural agriculture-related credit market is the main cause of the problem of farmers' loan difficulties. As the supply and demand of credit funds in rural financial market, financial institutions and farmers have asymmetric information to each other. On the one hand, farmers can not understand the latest loan business of financial institutions in time, on the other hand, the financial institutions lack the necessary understanding of the farmers' repayment ability and other aspects of information. Under the influence of adverse selection effect and moral hazard effect of asymmetric information, it is easy to bring about the problems such as the difficulty of agricultural loan issuance by financial institutions, the low recovery rate and the difficulty of farmer's loan, etc., which restrict the development of rural economy and the difficulty of farmer's loan. Therefore, from the angle of information economics, this paper analyzes the adverse selection effect and moral hazard effect caused by asymmetric information in agricultural credit market through the construction of farmer credit market model. On this basis, the paper analyzes the specific causes of farmers' loan difficulties and relevant countermeasures. This paper holds that the research on the problem of agricultural microfinance in China can be carried out from the perspective of information asymmetry theory. This paper mainly starts from the following five parts: the first part, the overall introduction of the background of this paper, The research contents and methods are summarized, and the research results of domestic and foreign scholars on this issue are summarized. In the second part, the author gives a brief overview of agricultural microfinance, forecasts the demand of both supply and demand of agricultural credit market in China, and analyzes the present situation and causes of farmers' loan difficulties with the help of existing statistical data and investigation data. In the third part, the agricultural credit market model of our country is established based on the information asymmetry theory, by which the reverse selection and moral hazard in the agricultural credit market are analyzed in detail. In the fourth part, the author puts forward the countermeasures to solve the problem of farmers' loan difficulty: constructing the platform of agricultural credit information system and popularizing the micro-credit company. The fifth part, combined with the specific situation of our country at present, puts forward some policy suggestions suitable to the two countermeasures put forward in this paper, in order to better solve the problem of farmers' loan. In a word, this paper holds that the research and analysis of the problem of agricultural microfinance in China from the angle of information asymmetry, and the corresponding countermeasures and suggestions, are not only of great theoretical significance, but also of great significance. Moreover, it has practical guiding significance for the current rural financial reform and the construction of new socialist countryside.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43

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