农业价值链融资中农户信用风险评估研究

发布时间：2018-08-08 13:37

【摘要】：中国是一个拥有着8亿农民的农业大国,从事农业生产的人口占全国人口总数的70%以上,三农问题关系到了国家的稳定和繁荣昌盛。发展农业金融,对于改善农户生活条件、提升农业发展水平、落实社会主义新农村建设具有重要意义。然而,我国农业规模较小,农户总体信用环境较差等现状使得长期以来我国金融机构对农户的信用贷款投入不足,农户融资困境成为了亟需解决的课题。农业价值链融资作为一种解决农户融资困难的方法,引起了专家和社会各界的广泛关注。农业价值链融资可以凭借借贷双方存在着的合作关系,解决部分的信息不对称问题,从而降低信息收集与交易成本,减少信用风险,促进农村金融的发展。本文在已有的理论和研究成果的基础上,通过选取具有代表性的样本,运用层次分析法对农户在价值链融资中的信用风险进行研究。本文首先介绍了农业价值链融资的相关概念与特点,并对农户独特的信用风险做了详细的说明。然后根据农户的这些信用风险特征构建了农业价值链融资中的农户信用风险评估指标体系。指标体系从农户的家庭状况、农户的经营状况、农户的贷款状况、农户的偿债状况、农户的信用状况以及农户生产所在价值链上相关企业的盈利状况、效益状况和运营状况八个方面对影响农户信用的指标进行了组建。在对样本数据进行归一化处理后,运用层次分析法,对构建的农户信用风险评估体系进行分析研究。最后,在实证分析结果的基础上,探讨了通过农业价值链进行融资可以降低农户信用风险的原因并提出了相应的建议。
[Abstract]:China is a large agricultural country with 800 million farmers, and the population engaged in agricultural production accounts for more than 70% of the total population of the country. The problem of agriculture and agriculture is related to the stability and prosperity of the country. The development of agricultural finance is of great significance to improving the living conditions of farmers, raising the level of agricultural development and building a new socialist countryside. Because of the small scale of agriculture and the poor overall credit environment of farmers in China, the current situation of the poor overall credit environment of farmers makes the financial institutions of our country have insufficient investment in credit loans to farmers for a long time, and the plight of farmers' financing has become an urgent problem to be solved. As a method to solve the difficulties of farmers' financing, the agricultural value chain financing has aroused extensive attention of experts and all circles of society. The agricultural value chain financing can rely on the cooperative relationship between the borrowers and the borrowers to solve the problem of information asymmetry, thus reducing the cost of information collection and transaction, reducing the credit risk and promoting the development of rural finance. On the basis of the existing theories and research achievements, this paper uses a representative sample to use the hierarchy. This paper analyzes the credit risk of farmers in the value chain financing. This paper first introduces the related concepts and characteristics of agricultural value chain financing, and gives a detailed description of the unique credit risk of farmers. Then, according to the characteristics of these credit risks, the credit risk assessment index of agricultural value chain financing is constructed. System. The index system is formed from eight aspects of the household status of farmers, the management status of the farmers, the loan status of the farmers, the situation of the farmers' debt service, the credit status of the farmers, the profit status of the related enterprises in the value chain of the farm household production, the benefit status and the operating conditions. After the normalization, the analytic hierarchy process (AHP) is used to analyze the credit risk assessment system of farmers. Finally, on the basis of the results of the empirical analysis, the reasons for reducing the credit risk of farmers through the agricultural value chain are discussed and the corresponding suggestions are put forward.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F323.6

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