四川贫困村互助资金社的贫困户瞄准效果及影响因素研究

发布时间：2018-03-22 19:41

本文选题：四川　切入点：贫困村　出处：《四川农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：农业、农村和农民问题一直是我国经济发展中的重要问题,从2004年到2014年,中央已经连续十一年将“一号文件”聚焦“三农”。然而,虽然“三农”问题一直都得到了持续的重视,社会主义新农村建设也如火如荼的进行,但作为建设主人公的农民却没有展现出相应的积极性和活力。解决“三农”问题的核心就是要通过农村、农业经济的发展提高农民收入,这既离不开财政资金资金的支持,也需要农民的积极参与。贫困村村级互助资金作为我国财政扶贫的新模式,对帮助贫困农户发展生产具有重要的作用,同时又是探索农村金融组织的重要举措,对缓解农户借贷难问题和完善农村金融市场也具有重要的潜在意义。但是,目前随着扶贫工作的持续推进和经济的不断发展,作为互助资金运行载体的互助资金社的发展凸显了很多新问题,各地互助资金社的发展水平也存在较大差异,对其扶贫效果的肯定也不尽相同。本文在村级互助资金处于发展新阶段的背景下,对村级互助资金的研究回归到最基本的层面,以互助资金社为研究单位,利用在四川省扶贫办外资项目管理中心获取的相关统计数据和7个区县的实地调查数据,运用贫困与反贫困、农村金融、博弈等相关理论,以及集合分析方法和Tobit计量模型,对其贫困户的瞄准机制进行了研究,重点探讨了瞄准机制的构成要素、运行机理、影响因素等内容,回答了互助资金社是否能高效的帮助贫困户借取互助资金这一问题。研究主要得出了以下结论：(1)贫困村互助资金社对贫困户的瞄准机制有利于他们借取互助资金,但他们对资金的借贷率却不高。(2)贫困村互助资金社虽然具有信贷和准金融的特点,但最根本特性依然是非营利性的扶贫组织,并且在很大程度上依赖政府财政资金的扶持,这也是区别于村级资金互助社的最大不同。(3)贫困户瞄准机制的存在必然影响对非贫困户的挤出,由于后者也是村级互助资金可持续发展的重要因素,因此互助资金社对贫困户的准确瞄准率和准确排除率都不会达到百分之百。(4)贫困户借款的瞄准程度即贫困户借款额的占比大小受贫困村瞄准程度、非贫困户入社率、占用费率和农户最高贷款限额的显著影响。
[Abstract]:The problem of agriculture, rural areas and farmers have always been an important problem in the economic development of China, from 2004 to 2014, the central has been eleven consecutive years of the "document" focus on agriculture. However, although the "three rural issues" has been a sustained attention, the construction of a new socialist countryside is also like a raging fire, but as the construction of the hero peasants did not show the corresponding enthusiasm and vitality. The core of "three rural issues" is to the countryside, the development of the agricultural economy to increase farmers' income, which cannot do without the financial funds support, also need to actively participate in the farmers. The impoverished village of village mutual funds as a new model China's financial poverty alleviation, has an important role to help poor farmers to develop agricultural production, and it is also an important measure to explore the rural financial organizations, to alleviate the difficult problem of rural credit and improve rural financial The market also has important potential significance. But at present, with the continuous development of poverty alleviation work and continue to promote economic development, as the carrier of mutual funds and mutual funds run agency highlights a lot of new problems, the development level of mutual funds around the agency also has a bigger difference, the effect of poverty alleviation is certainly not the same in this paper. In the new stage of development in the background of village mutual funds, research on village mutual funds return to the most basic level, the mutual fund agency as the research unit, the survey data by using statistical data obtained in Sichuan Province, the Poverty Alleviation Office of foreign capital project management and 7 counties, with poverty and anti poverty, rural finance, game theory and other related theories, as well as the collection and analysis method and Tobit model, the poor targeting mechanism was studied, focusing on the composition of the aiming mechanism to Element, operation mechanism, content and other factors, answer whether efficient agency mutual funds to help poor households to borrow mutual funds this problem. The study drew the following conclusions: (1) poor village mutual funds agency helps them borrow on mutual funds targeting mechanism of poor households, but their capital lending rate is not high. (2) although the agency has a poor village mutual fund credit and quasi financial characteristics, but the most fundamental characteristic is still a non-profit organization for poverty alleviation, and rely on the government funds largely support, this is the biggest difference between different from village mutual funds. (3) aiming at the poor households the mechanism of the inevitable effect of extrusion for non poor households, because the latter is also an important factor in the sustainable development of village mutual funds, so the mutual funds agency on poverty rate and accurate rate of accurate targeting will not reach out One hundred percent. (4) the degree of targeting of poor households' borrowing is the proportion of poor households' borrowing amount, which is significantly affected by the targeting degree of poor villages, the rate of entry of non poor households, the occupancy rate and the maximum loan limit of farmers.

【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.8;F832.35

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