农村消费信贷的金融产品供给研究

发布时间：2018-01-01 01:35

本文关键词：农村消费信贷的金融产品供给研究　出处：《中国海洋大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国农民收入的逐步提高，农民有了更强的消费意愿和消费能力，实现这种意愿和能力的重要途径是通过消费信贷。消费信贷对于扩大我国农村消费市场、建设社会主义新农村有着重要的意义。但是，我国农村消费信贷市场存在严重失灵。农民有着强烈的意愿进行消费信贷，对消费信贷有着很强的需求，而我国目前农村地区的消费信贷供给情况不容乐观。数据显示，正规金融机构对农村地区的消费信贷供给缺口超过3万亿元。如何增加农村消费信贷供给就成为亟待解决的问题。论文主要采用了理论分析与实证分析相结合，定性分析与博弈论方法相结合的分析方法，将理论和实践融为一体进行讨论。本文的研究目的在于通过分析农村消费信贷难的现状，找出涉及农村消费信贷的金融产品供给不能满足消费信贷需求的原因，通过动态博弈模型的分析，指出增加农村消费信贷的金融产品供给的路径选择。本文首先在相关基础理论的研究中，介绍了信贷相关的理论和金融产品涉及的理论。信贷相关理论包括消费信贷理论，信贷配给理论以及信贷互联理论。金融产品涉及的理论有信息不对称理论，担保贷款理论以及金融创新理论。在接下来的第二部分分析了我国农村居民的收入增长情况和农村消费信贷情况，指出农村消费信贷需求远不能得到满足，并通过动态博弈模型分析了消费信贷金融产品供给不能满足需求的原因，如农村信用环境不佳，，担保模式单一，产品种类缺乏等。第三部分对增加金融产品供给的路径进行了探讨，包括改善农村的信用生态环境，完善消费信贷的担保模式，并在此基础上进行产品种类的创新等。在探讨了增加金融产品供给的路径选择之后，分析了两个成功的涉及消费信贷的金融产品，分别是山东寿光的农地抵押贷款和江苏泗洪的小额信用贷款，并对农地抵押贷款进行了制度经济学层面的分析。本文最后做了总结，并进行了展望，随着我国农村金融生态环境的改善和相关金融产品的种类增加，我国农村消费信贷市场和城市消费信贷市场最终会实现一体化。最后本文得出的结论是要满足我国农村消费信贷需求，必须采取一系列措施增加金融产品供给。农村消费信贷的金融产品供给的路径是必须打造良好的农村金融生态环境，构建良好的信用体系；要进行担保模式的创新，在法律允许的范围内让土地、林地等自由流转；在此基础上进行金融产品种类的创新，满足农户多元化的消费信贷需要；同时还要改善农村消费信贷金融产品供给的外部环境。
[Abstract]:With the gradual increase of peasants' income in our country, the peasants have a stronger willingness of consumption and consumption ability, an important way to achieve this is through the willingness and ability of consumer credit. Consumer credit for the expansion of China's rural consumer market, has an important significance to the construction of new socialist countryside. However, there is a serious market failure in China's rural consumption credit. Farmers have strong willingness of consumer credit, there is a strong demand for consumer credit, while China's current consumer credit supply in rural areas is not optimistic. Data show that the formal financial institutions to the rural areas of consumer credit supply gap of more than 3 trillion yuan. How to increase the supply of rural consumption credit has become a serious to solve the problem.
This paper mainly adopts theoretical analysis and empirical analysis, analysis method of combining qualitative analysis and game theory, integration of theory and practice are discussed. The purpose of this study is through the analysis of current situation of rural consumption credit difficult, to find out the supply of financial products can not be involved in the rural consumer credit meet the demand for consumer credit. Through the analysis of dynamic game model, and points out the way to increase the rural consumer credit supply of financial products.
Based on the relevant theories, introduces the theory of financial products and credit related to the theory. The related theory of credit including consumer credit theory, credit rationing theory and credit theory. Internet financial products involved in the theory of information asymmetry theory, guarantee loan theory and financial innovation theory. The rural residents in China income growth and rural consumer credit situation analysis in the second part, pointed out that the demand of consumer credit in rural areas is far from satisfied, and through the dynamic game model to analyze the consumer credit supply of financial products can not meet the demand of the reasons, such as the rural poor credit environment, guarantee the products lack of single mode, etc. the third part discusses the path to increase the supply of financial products, including the improvement of the ecological environment of the rural credit guarantee mode, perfect consumer credit, and On the basis of the types of products innovation. After the discussion of choice of path to increase the supply of financial products, analysis of the two successful consumer credit relates to financial products, namely Shandong Shouguang and Jiangsu Sihong land mortgage loan micro credit loans, and mortgage loans are analyzed on farmland institutional economics. This paper finally summarized and prospected, along with the increase in the types of financial ecological environment in rural areas and improve the related financial products, China's rural consumer credit market and the city will eventually realize the integration of the consumer credit market.
Finally, the conclusion of this paper is to meet the demand of consumer credit in rural areas of our country, we must adopt a series of measures to increase the supply of financial products. The path of rural consumer credit supply of financial products is to create good rural financial ecological environment, build a good credit system; innovation to guarantee mode, let the land within the limits permitted by law in the free circulation of forest land; on the basis of the innovation of financial products, to meet the diversified needs of farmers consumption credit; and to improve the rural consumer credit supply of financial products in the external environment.

【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.479

【参考文献】