广西农户借贷行为实证分析

发布时间：2017-12-31 09:43

  本文关键词：广西农户借贷行为实证分析　出处：《华南理工大学》2014年硕士论文　论文类型：学位论文

  更多相关文章： 农户借贷需求 正规与非正规金融 金融抑制 金融改革

【摘要】：我国农村金融的改革不是以农村金融需求为主导的发展模式，而是形成了金融机构各利益群体之争的格局。改革成效不大，农村金融需求抑制严重，农村正规金融供需缺口大，农户借贷需求是通过民间借贷渠道获得满足。非正规金融具有强调地缘、血缘等社会关系的特点，较于正规金融具有信息对称、低风险及借贷手续简便成本低等优点，能有效地配置资金，协调有大量闲置资金的农户与资金紧缺农户之间的资金配置关系，解决部分农户融资难、资本配置错位的矛盾，并满足农户的借贷资金需求，对农村经济发展有不小贡献。但其存在内部管理不规范，缺乏监管与法律保障等问题，易引发经济纠纷甚至爆发金融风险。本文认为，农村社区延续时间长，居住家庭相对稳定，村民间的熟悉程度、信息对称远高于正规金融机构对村民的了解，民间借贷是影响农户借贷需求的重要因素之一。 现阶段，随着农村居民收入与生活水平的提高，农村居民除了日常的消费支出需求外，在经商投资、买房建房等支出上具有很强的资金需求。在资金需求较大而正规金融有效供给有限的情况下，，很长一段时间，农村居民借贷需求的满足往往是依赖于亲戚朋友的民间渠道，存在较大的民间借贷需求。毫无疑问，构建正规金融与非正规金融的合作机制，是有效满足农村居民借贷需求的重要保障，而了解影响农户借贷行为及其金融需求的影响因素则显得尤为必要。 推进农村金融改革，建立现代农村金融制度离不开对农村金融需求主体 农户的借贷需求及其影响因素的研究。本文基于对广西515个农户的实地调查数据，用Logistics模型分析了影响农户借贷需求的因素，并通过比较分析研究了正规金融与非正规金融的异同及形成差异的原因。结果表明，农户的自身特征、经济特征对农户借贷需求及其借贷渠道的选择行为有着不同的影响，并存在一定的金融抑制现象。本文在对农户借贷行为分析的基础上，提出满足农户金融需求的金融服务创新及深化广西农村金融改革的政策建议，促进农村非正规金融与正规金融二者和谐发展。
[Abstract]:The reform of rural finance in our country is not based on the rural financial demand as the dominant development mode , but it has formed the competitive pattern of the interests of the financial institutions . The reform is not big , the rural financial demand is restrained seriously , the rural formal financial supply and demand gap is big , the farmer ' s credit demand is not small contribution to the rural economic development . At the present stage , with the increase of rural residents ' income and living standard , the rural residents have strong financial needs in terms of their daily consumption expenditure . In the case of limited fund demand and limited formal finance supply , the satisfaction of the rural residents ' lending needs is often dependent on the folk channels of relatives and friends , and there is a large demand for private borrowing . There is no doubt that the establishment of the cooperation mechanism between formal financial and informal finance is an important guarantee for effectively meeting the demand of rural residents ' lending and borrowing , and it is especially necessary to understand the influencing factors that affect the lending behavior of rural households and their financial needs .

鎺ㄨ繘鍐滄潙閲戣瀺鏀归潻,寤虹珛鐜颁唬鍐滄潙閲戣瀺鍒跺害绂讳笉寮

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