河南省周口市农户借贷问题及对策研究

发布时间：2018-07-05 04:30

本文选题：农户 + 农户借贷　；参考：《四川农业大学》2014年硕士论文

【摘要】：解决“三农”问题的重点是促进农民增加收入,然而随着农村经济的快速发展,农户的经营方式越来越多元化,资金对于农村经济发展和农户的生产经营也显得尤为重要。农户呈现出资金需求的多样化,借贷资金小额、期限短的特点,农村金融市场分为正规金融机构和非正规金融机构,正规金融机构中农村信用社作为供给农户贷款资金的主要力量,但由于农村信用社信贷约束高、自身的金融服务水平有限,不能更好的满足农户多元化金融需求,非正规金融机构在目前的农村呈现出不规范的状态。本文以河南省周口市为例,深入探讨农户借贷行为的具体特点并分析存在的问题,对于农村金融机构提高效率、政策的完善、农户自身业务素质的提高有一定的理论和现实意义。本文主要运用了规范研究与实证研究、定性研究与定量研究相结合的方法,论文第一部分是导论,主要介绍研究背景、研究意义、国内外研究综述、相关概念界定以及研究方法等内容,对整个文章做宏观的指导；第二部分主要介绍相关的理论和原理,主要包括农村借贷补贴理论、农村金融市场理论、不完全竞争市场理论等,为论文的撰写奠定理论基础；第三部分分析周口市农户借贷特征的发展现状,根据实地调查的数据,分析周口市农户借贷行为的特征；第四部分根据上一部分的描述性统计,分析周口市农村借贷目前存在的问题；文章的最后一部分主要对全文进行了总结,并针对周口市农村金融存在的问题分别从农户自身、金融机构、政府提出相应的对策意见。本文的研究思路从周口市农户借贷现状出发,分析当前农户借贷过程中存在的问题及原因,针对问题提出相应的对策建议。研究主要得出以下结论：(1)周口市农户借贷能力不足,农户的还款能力和担保能力有限,这是农户从正规金融机构“贷款难”的重要原因,另外,农户受教育水平普遍偏低,信用意识较差,为农村金融市场健康发展留下了很大的隐患。(2)周口市农村金融供给总体不足,农村金融机构网点较少,金融产品很单一,金融服务水平较低,这一点主要表现在与农业相关的金融产品少,金融服务水平低,不能有效满足周口农村地区借贷的需求。(3)周口市农村民间借贷很不规范,存在很大的风险,威胁农户自身经济利益；政府存在监管空白,农业保险发展不能起到有效作用,风险补偿机制不健全。(4)针对周口市农户借贷存在的问题,认为农户要加强自身信用意识,改变传统观念,金融机构要加大金融知识宣传力度,开发更多的涉农金融产品,同时提高办贷效率,而政府要充分发挥财政资金的杠杆作用,推进农村金融机构的多元化,同时致力于农民贷款中的担保问题。
[Abstract]:The key to solve the problem of "agriculture, countryside and farmers" is to promote farmers to increase their income. However, with the rapid development of rural economy, the management mode of farmers is becoming more and more diversified, and capital is especially important for the development of rural economy and the production and management of farmers. Farmers have diversified demand for funds, small loans and short maturities. The rural financial market is divided into formal financial institutions and informal financial institutions. In the formal financial institutions, the rural credit cooperatives as the main force to supply farmers' loan funds, but because of the high credit constraints of rural credit cooperatives, their own financial services are limited, so they can not better meet the diversified financial needs of farmers. Informal financial institutions in the current rural areas show an irregular state. Taking Zhoukou City, Henan Province as an example, this paper probes into the specific characteristics of farmers' lending behavior and analyzes the existing problems, which can improve the efficiency of rural financial institutions and improve the policy. The improvement of farmer's own professional quality has certain theoretical and practical significance. This paper mainly uses the methods of normative research and empirical research, qualitative research and quantitative research. The first part of the paper is an introduction, mainly introduces the research background, research significance, domestic and foreign research review. The second part mainly introduces the relevant theories and principles, including the rural loan subsidy theory, rural financial market theory, and so on. The third part analyzes the current situation of the development of farmers' lending characteristics in Zhoukou City, and analyzes the characteristics of the lending behavior of farmers in Zhoukou City according to the field investigation data. According to the descriptive statistics in the last part, the fourth part analyzes the existing problems of rural lending in Zhoukou City. The last part of the article summarizes the whole paper, and aims at the problems of rural finance in Zhoukou City from the farmers themselves. Financial institutions, the government put forward the corresponding countermeasures. Based on the present situation of farmers' borrowing in Zhoukou City, this paper analyzes the existing problems and reasons in the process of farmers' borrowing and puts forward corresponding countermeasures and suggestions. The main conclusions are as follows: (1) the farmers in Zhoukou City have insufficient borrowing capacity and limited repayment ability and guarantee ability, which is an important reason why it is difficult for farmers to get loans from formal financial institutions. In addition, the education level of farmers is generally low. The poor credit consciousness has left a great hidden danger for the healthy development of rural financial market. (2) the rural financial supply in Zhoukou City is generally insufficient, the rural financial institutions have fewer networks, the financial products are very single, and the level of financial services is low. This is mainly manifested in the lack of agriculture-related financial products, the low level of financial services, and the inability to effectively meet the demand for loans in Zhoukou rural areas. (3) Rural folk lending in Zhoukou City is very irregular, and there are great risks. It threatens farmers' economic interests, the government has no supervision, the development of agricultural insurance can not play an effective role, and the risk compensation mechanism is not perfect. (4) aiming at the problems existing in farmers' borrowing in Zhoukou City, the author thinks that farmers should strengthen their own credit consciousness. To change the traditional concept, financial institutions should increase the propaganda of financial knowledge, develop more agriculture-related financial products, and improve the efficiency of lending, while the government should give full play to the leverage of financial funds and promote the diversification of rural financial institutions. At the same time committed to the issue of guarantee in farmers' loans.
【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】：F832.43;F323.6

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