郴州市农户借贷行为研究

发布时间：2019-05-20 17:52

【摘要】：随着农村经济的不断发展与我国对农村的深入改革,我国农业结构开始得到快速调整,农户对资金的需求更强烈,农户借贷行为的发也更为频繁。但是在我国,由于农村金融市场受到严格管制,压抑了农户对借贷的需求,农户的需求在很大程度上得不到满足。因此,研究农户借贷行为对于农村经济的发展,具有非常重大的现实意义。农户是农村经济发展过程中的主体,农户对资金的需求伴随着农村经济的发展而不断增强,但是由于金融机构自身以及外面的原因,导致目前农户的融资行为受到严重抑制。因此,需要借助于更多的金融形式来满足农户对资金的需求,引导农户合理的发生借贷行为。农户借贷行为的研究是农村金融研究中的重难点,本论文以郴州市农户的借贷行为为主要研究对象进行实证研究。本文首先分析了郴州市农户借贷行为的现状,了解到郴州市农户借贷的情况、农户借贷的来源、农户的收入情况、农户借贷资金的用途、借贷规模、借贷利率等；其次,分析了影响农户借贷行为的主要影响因素,主要包括金融服务水平、借贷利息率、农户收入水平、农户自有资产状况、农户生产经营规模等；再次,深入分析了当前郴州市农户借贷行为中存在的问题。最后,针对郴州市农户借贷行为存在的问题提出了相应的对策建议,希望通过这些手段能够促进农村经济和新农村建设的发展。
[Abstract]:With the continuous development of rural economy and the in-depth reform of rural areas in China, the agricultural structure of our country has begun to be adjusted rapidly, the demand for funds is stronger, and the lending behavior of farmers is more frequent. However, in our country, due to the strict regulation of the rural financial market, the demand of farmers for loans is suppressed, and the demand of farmers can not be met to a large extent. Therefore, it is of great practical significance to study the borrowing behavior of farmers for the development of rural economy. Farmers are the main body in the process of rural economic development, and the demand for funds is increasing with the development of rural economy. However, due to the reasons of the financial institutions themselves and outside, the financing behavior of farmers is seriously restrained at present. Therefore, it is necessary to use more financial forms to meet the needs of farmers for funds and guide farmers to borrow reasonably. The study of farmers' lending behavior is an important and difficult point in rural finance research. This paper takes the lending behavior of farmers in Chenzhou City as the main research object to carry on the empirical research. First of all, this paper analyzes the current situation of farmers' lending behavior in Chenzhou City, and understands the situation of Chenzhou farmers' borrowing, the source of farmers' borrowing, the income of farmers, the use of farmers' borrowing funds, the scale of borrowing, the lending interest rate and so on. Secondly, it analyzes the main influencing factors of farmers' lending behavior, including financial service level, loan interest rate, farmers' income level, farmers' own assets, farmers' production and management scale and so on. Thirdly, the problems existing in the borrowing behavior of farmers in Chenzhou City are deeply analyzed. Finally, in view of the problems existing in the borrowing behavior of farmers in Chenzhou City, this paper puts forward some corresponding countermeasures and suggestions, hoping that these means can promote the development of rural economy and new rural construction.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【引证文献】