农户金融合作意愿研究

发布时间：2018-12-23 18:27

【摘要】：农村金融作为解决农村经济发展的一个至关重要的环节,良好金融环境是农村经济发展的一个重要因素。经过多年的改革与发展,我国当前农村基本形成了政策性金融、商业金融与合作金融合作分工的金融体系,但是商业金融正在“逃离”农村市场,政策性金融对农村经济发展的扶持能力依然较弱,合作金融作为农户获取金融服务与支持的主要方式也存在了许多问题,阻碍了农村经济的发展。文章从农户视角入手,首先对农户金融合作意愿相关的文献进行了梳理,并阐述了与之相关的概念及理论基础。其次以农村信用合作社、农村基金会以及农村资金互助社三个正规金融组织为例分析了我国农村合作金融的发展状况,并分析了合作金融的比较优势和价值及意义；然后分析了农户的金融合作意愿的状况,发现农户的金融合作意愿不高,进而从金融合作组织、农户个人、政府机构三个方面分析了农户金融合作意愿不高的原因。再者,文章利用计量方法实证分析了影响农户金融合作意愿的因素,发现农户的性别、文化程度、金融机构的贷款经历、对合作组织的认知以及合作社的活跃程度5个因素对农户金融合作的意愿影响显著。最后,根据上文的研究结论提出了六个方面的政策建议：(1)强化信用社等组织金融合作的功能,防止其功能异化;(2)加强政策性金融对农村金融合作的支持；(3)制定完善合作金融的法律法规,为金融合作正名；(4)积极开展农户教育培训,提高农户文化水平；(5)加大金融合作的宣传工作,提高农户认知水平与金融合作能力;(6)做好合作社等组织监管与考核工作,发挥其金融合作功能。
[Abstract]:Rural finance is a crucial link to solve the problem of rural economic development, and a good financial environment is an important factor in rural economic development. After many years of reform and development, China's current rural areas have basically formed a policy finance, commercial finance and cooperative financial cooperation and division of labor financial system, but commercial finance is "escaping" the rural market, The support ability of policy-oriented finance to rural economic development is still weak, and cooperative finance, as the main way for farmers to obtain financial services and support, also has many problems, which hinders the development of rural economy. Starting from the perspective of farmers, this paper firstly combs the relevant literature on farmers' willingness to cooperate in finance, and expounds the related concepts and theoretical basis. Secondly, taking the rural credit cooperatives, rural foundations and rural mutual funds as an example, the paper analyzes the development of rural cooperative finance in China, and analyzes the comparative advantages, value and significance of cooperative finance. Then it analyzes the situation of farmers' willingness to cooperate in finance, finds that the willingness of financial cooperation is not high, and then analyzes the reasons for the low willingness of financial cooperation of farmers from three aspects: financial cooperation organization, individual farmers and government agencies. Furthermore, the paper empirically analyzes the factors that affect farmers' willingness to cooperate in finance by means of econometric methods, and finds out that farmers' gender, education level and loan experience of financial institutions. The cognition of cooperative organization and the active degree of cooperatives have significant influence on farmers' willingness to cooperate in finance. Finally, according to the research conclusions above, six policy recommendations are put forward: (1) strengthening the function of credit cooperatives and other organizations' financial cooperation, preventing its function alienation, (2) strengthening the support of policy finance to rural financial cooperation; (3) to make laws and regulations to perfect cooperative finance, to correct the name of financial cooperation, (4) to actively carry out peasant household education and training, and to improve farmers' cultural level; (5) strengthen the propaganda of financial cooperation, improve farmers' cognitive level and ability of financial cooperation, (6) do well the supervision and assessment work of cooperatives and other organizations, and give full play to their function of financial cooperation.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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