农户融资困境问题研究
发布时间：2018-10-19 09:28
【摘要】：我国是城乡经济结构二元化比较明显的国家,绝大多数的农村还处于较低的经济发展水平,农户普遍还是进行一家一户的分散、小规模经营,农户融资具有额度小、频率高、管理难度大、风险和交易成本高等特点,这决定了农村金融机构对服务农村经济退避三舍,农村金融资源的供给无法满足和适应农业、农村经济发展的实际需要,农户是很难获得农村金融机构的资金支持和垂青,造成农户融资困境。农户融资困境成为是制约农民收入提高、阻碍现代农业发展、困扰农村经济发展的核心问题。通过对农户融资困境问题进行研究,化解农户融资困境,成为提高农户收入水平、实现农村经济持续增长和农业现代化长期发展的良策,是缩小贫富差距、统筹城乡协调发展和构建和谐社会的有利之举。研究农户融资困境问题,具有重要的现实和理论意义。 本研究从微观的经济主体——农户角度出发,探讨我国农户融资困境问题。首先系统总结金融发展理论、农村金融理论、信息不对称理论、交易成本理论和不完全契约理论等理论,确定农户融资的理论基础。然后,通过实证分析探究我国农户融资与农业增长、减贫的关系,揭示农户融资的重要性。再以湖南省QY县为例,从农户融资意愿、农户融资目的、农户融资渠道、农户融资风险、农户融资效应五个方面,分析目前农户融资现状。 接着,从农户向正规金融融资困境的表现和向民间金融融资困境的表现两个方面深入分析农户融资困境的表现。随后,深入分析农户自身禀赋状况对农户融资影响。通过QY个案运用多元Logit模型对农户融资影响因素进行实证分析,并从宏观视角对造成农户融资困境的农户自身原因进行深入探讨,以期对农户自身禀赋状况影响农户融资有一个更为全面的认识。接着,分别阐述了农户融资面临的农村金融体系与外部环境。农村金融体系包括正规农村金融和非(准)正规金融两个方面,分析体系中每个农村金融机构在农户融资中的作用,探讨当前农村金融体系对农户融资造成的影响及分析造成农户融资困境的金融环境原因。农户融资面临的外部环境是实现农户融资的重要条件,从政府政策环境、法律法规环境、农村信用体系、农业保险体系及其他外部环境等方面分析农户融资面临的外部环境。 农户融资活动是一个系统活动,农户自身与金融组织属于系统内的部分,而外部环境属于系统外的部分。如果农户自身与金融组织都没有阻碍农户顺利融资,再加上有利的外部环境,那么农户就会成功地实现融资,也不会存在什么农户融资困境之说。最后,为实现农户顺利融资,更好地促进农户收入的提高,推进我国的农村经济甚至整个国民经济的发展服务,从农户自身原因、金融原因和外部原因等三个方面有针对性地提出化解农户融资困境的对策建议。
[Abstract]:China is a country with a distinct dual economic structure between urban and rural areas. Most of the rural areas are still in a low level of economic development. The characteristics of difficult management, high risk and high transaction cost have determined that rural financial institutions are unable to meet and adapt to the actual needs of agriculture and the development of rural economy because of the retreat of rural financial institutions to serve the rural economy, and the supply of rural financial resources cannot meet and adapt to the actual needs of agriculture, rural economic development, and so on. It is difficult for farmers to obtain financial support from rural financial institutions, which leads to farmers' financing difficulties. Farmers' financing dilemma is the core problem that restricts the increase of farmers' income, hinders the development of modern agriculture and puzzles the development of rural economy. Through the research on the financing dilemma of farmers, resolving the financing dilemma of farmers becomes a good way to improve the income level of farmers, realize the sustained growth of rural economy and the long-term development of agricultural modernization, and narrow the gap between the rich and the poor. Coordinated development of urban and rural areas and the construction of a harmonious society. It is of great practical and theoretical significance to study the financing dilemma of farmers. From the point of view of micro-economic subject-peasant household, this paper discusses the financing dilemma of farmers in China. Firstly, the theories of financial development, rural finance, information asymmetry, transaction cost and incomplete contract are systematically summarized to determine the theoretical basis of farmers' financing. Then, the paper explores the relationship between peasant household financing and agricultural growth and poverty reduction through empirical analysis, and reveals the importance of peasant household financing. Taking QY County of Hunan Province as an example, this paper analyzes the present situation of farmers' financing from five aspects: the willingness of farmers to finance, the purpose of farmers' financing, the financing channels of farmers, the risks of farmers' financing, and the effects of farmers' financing. Then, the paper analyzes the performance of farmers' financing dilemma from two aspects: the performance of farmers' financial distress to the formal finance and the performance of the financial distress to the private finance. Then, the paper deeply analyzes the influence of farmers' natural endowment on farmers' financing. This paper makes an empirical analysis on the influencing factors of farmers' financing by using multiple Logit model through QY case, and probes into the causes of farmers' financing difficulties from the macro perspective. In order to have a more comprehensive understanding of the impact of farmers' own endowment status on farmers' financing. Then, the paper expounds the rural financial system and external environment. The rural financial system includes formal rural finance and non-formal finance. This paper probes into the influence of the current rural financial system on the farmers' financing and analyzes the causes of the financial environment which leads to the farmers' financing difficulties. The external environment of farmers' financing is an important condition for farmers' financing. This paper analyzes the external environment of farmers' financing from the aspects of government policy environment, laws and regulations environment, rural credit system, agricultural insurance system and other external environment. Peasant household financing is a systematic activity. Farmers themselves and financial organizations belong to the part of the system, while the external environment belongs to the part outside the system. If the farmers themselves and financial organizations do not hinder the smooth financing of farmers, plus the favorable external environment, then farmers will successfully achieve financing, and there will not be any difficulties in the financing of farmers. Finally, in order to achieve the smooth financing of farmers, to better promote the increase of farmers' income, to promote the development and service of our rural economy and even the whole national economy, from the farmers' own reasons, Three aspects, financial reasons and external reasons, put forward countermeasures and suggestions to resolve farmers' financing predicament.
【学位授予单位】：湖南农业大学
【学位级别】：博士
【学位授予年份】：2010
【分类号】：F832.43
本文编号：2280744
[Abstract]:China is a country with a distinct dual economic structure between urban and rural areas. Most of the rural areas are still in a low level of economic development. The characteristics of difficult management, high risk and high transaction cost have determined that rural financial institutions are unable to meet and adapt to the actual needs of agriculture and the development of rural economy because of the retreat of rural financial institutions to serve the rural economy, and the supply of rural financial resources cannot meet and adapt to the actual needs of agriculture, rural economic development, and so on. It is difficult for farmers to obtain financial support from rural financial institutions, which leads to farmers' financing difficulties. Farmers' financing dilemma is the core problem that restricts the increase of farmers' income, hinders the development of modern agriculture and puzzles the development of rural economy. Through the research on the financing dilemma of farmers, resolving the financing dilemma of farmers becomes a good way to improve the income level of farmers, realize the sustained growth of rural economy and the long-term development of agricultural modernization, and narrow the gap between the rich and the poor. Coordinated development of urban and rural areas and the construction of a harmonious society. It is of great practical and theoretical significance to study the financing dilemma of farmers. From the point of view of micro-economic subject-peasant household, this paper discusses the financing dilemma of farmers in China. Firstly, the theories of financial development, rural finance, information asymmetry, transaction cost and incomplete contract are systematically summarized to determine the theoretical basis of farmers' financing. Then, the paper explores the relationship between peasant household financing and agricultural growth and poverty reduction through empirical analysis, and reveals the importance of peasant household financing. Taking QY County of Hunan Province as an example, this paper analyzes the present situation of farmers' financing from five aspects: the willingness of farmers to finance, the purpose of farmers' financing, the financing channels of farmers, the risks of farmers' financing, and the effects of farmers' financing. Then, the paper analyzes the performance of farmers' financing dilemma from two aspects: the performance of farmers' financial distress to the formal finance and the performance of the financial distress to the private finance. Then, the paper deeply analyzes the influence of farmers' natural endowment on farmers' financing. This paper makes an empirical analysis on the influencing factors of farmers' financing by using multiple Logit model through QY case, and probes into the causes of farmers' financing difficulties from the macro perspective. In order to have a more comprehensive understanding of the impact of farmers' own endowment status on farmers' financing. Then, the paper expounds the rural financial system and external environment. The rural financial system includes formal rural finance and non-formal finance. This paper probes into the influence of the current rural financial system on the farmers' financing and analyzes the causes of the financial environment which leads to the farmers' financing difficulties. The external environment of farmers' financing is an important condition for farmers' financing. This paper analyzes the external environment of farmers' financing from the aspects of government policy environment, laws and regulations environment, rural credit system, agricultural insurance system and other external environment. Peasant household financing is a systematic activity. Farmers themselves and financial organizations belong to the part of the system, while the external environment belongs to the part outside the system. If the farmers themselves and financial organizations do not hinder the smooth financing of farmers, plus the favorable external environment, then farmers will successfully achieve financing, and there will not be any difficulties in the financing of farmers. Finally, in order to achieve the smooth financing of farmers, to better promote the increase of farmers' income, to promote the development and service of our rural economy and even the whole national economy, from the farmers' own reasons, Three aspects, financial reasons and external reasons, put forward countermeasures and suggestions to resolve farmers' financing predicament.
【学位授予单位】：湖南农业大学
【学位级别】：博士
【学位授予年份】：2010
【分类号】：F832.43
【引证文献】
相关硕士学位论文 前3条
1 彭茂林;马克思虚拟资本理论视角下农户融资研究[D];东华理工大学;2013年
2 王云;基于金融功能观构建湖南省农村金融体系的新模式研究[D];中南林业科技大学;2013年
3 潘满兰;辰溪县小微企业融资困境分析[D];湖南农业大学;2013年
，本文编号：2280744
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2280744.html
