农业供给侧结构性改革视角下农户借贷行为分析

发布时间：2018-03-23 10:54

本文选题：农村金融　切入点：农户　出处：《安徽财经大学》2017年硕士论文

【摘要】：随着各项改革措施的推动,我国金融行业发展速度较快,金融领域结构性改革也获得了非凡成绩。但农村金融市场发展尚不完善,存在供给与需求不对等现象,诸多市场矛盾的存在导致居民的借贷需求不能够完全得到满足。现有农村金融体系里,突出现象是正规金融机构与非正规金融机构同时存在,而农户借贷最主要的满足途径是民间金融市场;因为相比于正规金融机构,非正规借贷方式更加强调社会关系这一因素,且借贷风险比较小。因此大多农户的借贷需求无法从正规金融机构得到满足,民间借贷市场却发展的如火如荼,导致民间金融市场暴露出许多隐患,不仅对发展和完善我国农村金融市场产生了影响,也阻碍了我国农业供给侧改革进程。随着新型现代农村建设以及城镇化步伐的推进,农村金融市场农民借贷需求主体地位渐渐稳固。研究农户借贷行为影响因素不仅对于缓解农户借贷需求得不到满足现象有利,一定程度上可以促进农村金融机构的转型升级和城镇化的快速发展。农村金融市场上农户的资金融通活动尤为重要,其行为特征受到各类因素的影响。其中包括外部环境因素和个体自身因素的作用,外界影响主要包括金融市场的发达程度、经济发展水平、金融政策等方面;金融市场发展越迅速,农户借贷的便利程度也会随着政策的放开而增加,农户的借贷行为必然因此增多;另外,经济发展程度较高的地区,经济结构相对复杂,农户文化水平以及素养相比偏远地区高,农户从事工作多样化,投资与消费支出也呈现出逐步上升趋势,因此其资金借贷活动也比较多。个体影响因素主要是从农户自身角度出发,一般情况下,借贷行为会受到农户年龄、性别、家庭收入、消费支出结构、耕地面积以及社会关系的影响,拥有不同特征的农户的借贷行为是有差异的,具体哪些因素才是影响我国农村居民借贷行为的主要因素要根据该地区居民生产生活特征有针对性的进行分析。本文首先简单阐述了农业供给侧改革现状以及农村借贷市场供给与需求,发现市场中存在供需矛盾,导致居民借贷需求不能满足,并结合国家目前实施的农业供给侧结构性改革措施分析其对农村借贷市场的影响。进一步对皖北农村地区家庭以问卷调查的方式,探究农村居民借贷活动影响因素;以是否存在借贷行为当作因变量,以年龄、性别、婚姻状况、受教育程度、耕地面积等10个因素设置成自变量,将整理所得数据运用二元选择模型回归分析,对农户借贷活动作用相对显著的变量作出剖析。最后归纳本文给出结论,结合农户借贷行为存在的突出问题给出三个层次的建议,其中包括国家政策层面、金融机构层面以及农户自身层面。
[Abstract]:With the promotion of various reform measures, China's financial industry is developing faster, and the structural reform of the financial sector has also made remarkable achievements. However, the development of the rural financial market is not perfect, and there is a phenomenon of unequal supply and demand. Because of the existence of many market contradictions, the residents' demand for loans and loans cannot be completely satisfied. In the existing rural financial system, the prominent phenomenon is that formal financial institutions and informal financial institutions exist at the same time. The most important way to satisfy farmers' borrowing is the private financial market. Compared with the formal financial institutions, informal lending methods place more emphasis on social relations. And the risk of borrowing is relatively small. Therefore, most farmers' lending needs cannot be satisfied by formal financial institutions, but the private lending market is developing in full swing, resulting in the exposure of many hidden dangers in the private financial market. It not only affects the development and perfection of rural financial market, but also hinders the process of agricultural supply-side reform. The principal position of farmers' loan demand in rural financial market is becoming more and more stable. It is beneficial to study the influencing factors of farmers' borrowing behavior to alleviate the phenomenon that farmers' loan demand is not satisfied. To a certain extent, it can promote the transformation and upgrading of rural financial institutions and the rapid development of urbanization. The behavioral characteristics are influenced by various factors, including external environmental factors and individual factors, which mainly include the developed degree of financial market, the level of economic development, the financial policy and so on. The faster the financial market develops, the more convenient it will be for farmers to borrow and borrow, which will inevitably increase as a result of the opening up of policies. In addition, in areas with higher economic development, the economic structure is relatively complex. Farmers' education level and literacy are higher than those in remote areas, farmers' work is diversified, and their investment and consumption expenditures are also showing a gradual upward trend. Therefore, its capital lending activities are also more. The individual influencing factors are mainly from the perspective of the farmers themselves. Generally speaking, the lending behavior will be affected by the farmers' age, gender, household income, consumption expenditure structure, The influence of cultivated land area and social relations, the farmers with different characteristics of the lending behavior is different, What factors are the main factors that affect the behavior of rural residents in our country should be analyzed according to the characteristics of production and life in this area. Firstly, this paper briefly expounds the current situation of agricultural supply-side reform and agriculture. Village loan market supply and demand, It was found that there was a contradiction between supply and demand in the market, which led to the inability of residents to meet their borrowing needs. Combining with the agricultural supply-side structural reform measures currently implemented by our country, this paper analyzes its influence on the rural loan market, and further investigates the influencing factors of the rural residents' lending activities by questionnaire to the families in rural areas of northern Anhui Province. With the existence of lending behavior as dependent variables, with age, sex, marital status, education, cultivated land and other 10 factors as independent variables, the collected data were analyzed by binary selection model regression analysis. Finally, this paper summarizes the conclusion and gives three levels of suggestions, including the national policy level, combined with the outstanding problems existing in the farmers' lending behavior. Financial institutions and farmers themselves.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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