农户贷款担保影响因素研究

发布时间：2018-10-24 07:49

【摘要】：农户缺乏生产发展资金，从金融机构贷款又缺乏担保人或抵押担保物，抵押担保难制约农村信贷供给。农户贷款担保是亟待解决的一个重要课题，本研究从农户、金融机构和外部环境等方面研究农户贷款担保的影响因素，并提出解决农户贷款担保问题的对策。本研究为改善农村金融供给提供决策参考依据，为金融机构在支农过程中推动并实现自身经济效益提供更多创新、发展的思路，帮助缓解农户贷款难的问题。本研究着重就农户贷款担保问题展开，一方面，通过对现有相关文献进行梳理，提出农户贷款担保影响因素的理论分析框架，对农户担保可能的影响因素进行理论分析。另一方面，，基于福建省金融机构与农户两个层面的调查，使用描述性统计分析，探究农户信贷担保现状。接着，通过建立模型，从农户、金融、政府及其它主体等方面对影响农户贷款担保的各因素进行了实证分析研究，找出农户贷款担保中存在显著性影响因素。研究利用福建农户问卷调查数据及金融机构数据，使用描述性统计分析方法，从金融机构和1736份农户调查问卷获得信息，分析农户贷款担保现状。运用文献法及担保理论考查农户信贷担保的可能影响因素。运用198份信贷专家问卷调查数据资料，通过顺序模型分析农户贷款担保的显著影响因素，对农户贷款担保的影响因素进行定量实证研究。研究发现，当前金融机构积极创新农户信贷担保方式，拓宽担保范围，但是，抵押与质押依然不能成为农户信贷可得性的主要担保品种，农户信贷担保以保证与信用贷款为主。农户能提供的有效担保资产较少，弱势农户群体难以获取担保机构担保服务并难求自然人担保。农户信贷担保受到政府对农户信用担保的扶持政策、银行信贷管理政策、农户自身因素（农户信用、农户家庭收入、农户家庭资产、农户个人特征等）、农业保险、资产评估和产权登记制度等影响。顺序模型结果显示担保扶持政策、农业保险、农户资产、农户信用等这4个因素对农户贷款担保影响显著。据此，研究认为，应从加大信用担保政策的扶持力度、完善农业政策性保险、健全农村信用体系、完善产权制度几个方面来解决农户信贷担保问题。
[Abstract]:Farmers lack of production and development funds, loan from financial institutions and lack of guaranty or collateral, mortgage guarantee is difficult to restrict the supply of rural credit. Peasant household loan guarantee is an important subject to be solved urgently. This study studies the influencing factors of peasant household loan guarantee from the aspects of farmers, financial institutions and external environment, and puts forward some countermeasures to solve the problem of peasant household loan guarantee. This study provides a reference basis for improving the rural financial supply, provides more innovation and development ideas for financial institutions to promote and realize their own economic benefits in the process of supporting agriculture, and helps alleviate the problem of farmers' loan difficulties. This research focuses on the issue of farmers' loan guarantee. On the one hand, through combing the existing relevant literature, the paper puts forward the theoretical analysis framework of the influencing factors of farmers' loan guarantee, and makes a theoretical analysis of the possible influencing factors of farmers' loan guarantee. On the other hand, based on the investigation of financial institutions and farmers in Fujian Province, this paper uses descriptive statistical analysis to explore the current situation of farmers' credit guarantee. Then, through the establishment of a model, from the farmers, finance, government and other aspects of the impact of farmers' loan guarantee of the empirical analysis of the factors, find out that there are significant factors in the farmers' loan guarantee. Based on the data of questionnaire survey and financial institution in Fujian province, this paper uses descriptive statistical analysis method to obtain information from financial institutions and 1736 peasant household questionnaires to analyze the current situation of loan guarantee for farmers. Using the literature method and the guarantee theory to examine the possible influencing factors of farmers' credit guarantee. Based on 198 questionnaires of credit experts, this paper analyzes the significant influencing factors of farmers' loan guarantee by order model, and makes a quantitative and empirical study on the influencing factors of farmers' loan guarantee. It is found that the current financial institutions actively innovate the way of farmers' credit guarantee and widen the scope of guarantee. However, mortgage and pledge still can not become the main kinds of guarantee for the availability of farmers' credit, and the guarantee and credit loan is the main guarantee of peasant household credit guarantee. Farmers can provide less effective guarantee assets, and it is difficult for the vulnerable farmers to obtain the guarantee services of guarantee institutions and the guarantee of natural persons. Farmers' credit guarantee is supported by the government's policy of supporting farmers' credit guarantee, bank credit management policy, farmers' own factors (peasant household credit, household income, household assets, individual characteristics of farmers, etc.), agricultural insurance, etc. Assets evaluation and property rights registration system and so on influence. The results of the sequential model show that the four factors, such as guarantee support policy, agricultural insurance, peasant household assets and peasant household credit, have a significant impact on the guarantee of farmers' loan. According to the research, we should solve the problem of peasant household credit guarantee from several aspects, such as increasing the support of credit guarantee policy, perfecting agricultural policy insurance, perfecting rural credit system and perfecting property right system.
【学位授予单位】：福建农林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43;F224

【参考文献】