内蒙古农村土地流转中的农户金融需求研究
发布时间：2018-10-22 09:47
【摘要】：加快内蒙古农村土地市场流转,实现规模经营是农业改革的重要契机,也是实现内蒙古农业现代化的根本途径。农村金融为农户进行农村土地流转提供了重要的服务和支持,同时农村金融的发展也是实现农地市场流转的重要保障,加快内蒙古土地流转速度并且发挥农村金融的重要作用,是提高农户土地流转中的金融需求意愿的重要途径。在我国出台相关土地金融优惠政策后,农村金融机构提供给农户的涉农贷款大多数是无息或者免息的,所以在一般情况下农户大多愿意接受这类低息或免息贷款进行土地流转来扩大生产,比如购买大型农业生产机械、优质的种子、农药、化肥来进行规模化生产,提高农业整体生产水平和质量。但在实际过程中,由于金融机构提供的保险、抵押担保、贷款还款期限、贷款手续、贷款金额等提供的金融服务要求过于严苛、审理过于繁杂、办理等待时间过长都严重制约了农户土地流转中的金融需求意愿,进而导致农户在土地流转过程中金融需求意愿较低。本文通过深入调查内蒙古农户土地流转的发展状况及农户金融需求状况,找到制约农户土地流转中的金融需求的因素,提出内蒙古在土地流转中农户金融需求不足的原因,研究内蒙古农户在土地流转中的金融需求意愿,本文主要从农业贷款总量、贷款期限结构、贷款审批流程、信用担保体系、抵押担保、贷款利率、农业保险等若干方面详细阐述制约农户金融需求意愿的因素。基于二元离散选择模型对内蒙古农村土地流转的金融需求进行实证分析。对二元离散选择模型进行简要的论述,利用该模型以涉农的金融产品的贷款期限,贷款额度,农户抵押担保、农业保险、融资难易程度为自变量,以土地流转中的金融需求意愿度为因变量,研究得出农户土地流转金融需求的概率。考虑实证分析的结果以及内蒙古的区情,提出增强农户在土地流转过程中的金融需求的对策建议,落实好相关的政策扶持。为下一步金融机构研发土地流转的信贷产品,创新土地流转的保险业务,提高农户土地流转中的金融需求积极性提供指导,具有较强的实践意义。
[Abstract]:Speeding up the circulation of rural land market in Inner Mongolia and realizing scale management is an important opportunity for agricultural reform and a fundamental way to realize agricultural modernization in Inner Mongolia. Rural finance provides important services and support for rural land circulation, and the development of rural finance is also an important guarantee to realize the circulation of agricultural land market, accelerate the speed of land circulation in Inner Mongolia and play an important role in rural finance. It is an important way to improve the willingness of financial demand in the land circulation of farmers. After the introduction of the relevant land financial preferential policies in China, most of the agricultural loans provided by rural financial institutions to farmers are interest-free or interest-free. Therefore, under normal circumstances, most farmers are willing to accept such low-interest or interest-free loans for land circulation to expand production, such as purchasing large-scale agricultural production machinery, high-quality seeds, pesticides, and fertilizers for large-scale production. We will improve the overall level and quality of agricultural production. However, in the actual process, because the financial services provided by financial institutions such as insurance, mortgage guarantees, loan repayment periods, loan procedures, loan amounts, and so on, are too stringent, and the proceedings are too complicated, The long waiting time of processing seriously restricts the willingness of financial demand in the land circulation of farmers, which leads to the low willingness of financial demand in the process of land transfer. By investigating the development of land circulation and the financial needs of farmers in Inner Mongolia, this paper finds out the factors that restrict the financial needs of farmers, and points out the reasons why the financial demand of farmers in Inner Mongolia is insufficient in land circulation. To study the financial demand of Inner Mongolia farmers in land circulation, this paper mainly from the total amount of agricultural loans, loan term structure, loan approval process, credit guarantee system, mortgage guarantee, loan interest rate, Agricultural insurance and other aspects of the constraints on the financial will of farmers in detail. Based on the binary discrete choice model, the financial needs of rural land circulation in Inner Mongolia are analyzed empirically. This paper briefly discusses the binary discrete choice model, using this model to take the loan term, the loan quota, the farmer mortgage guarantee, the agricultural insurance, the financing difficulty degree as the independent variables, the agricultural financial product loan term, the loan quota, the peasant household mortgage guarantee, the agricultural insurance, the financing difficulty degree as the independent variable, Taking the willingness of financial demand in land circulation as dependent variable, this paper studies the probability of farmers' financial demand for land transfer. Considering the results of empirical analysis and the regional situation in Inner Mongolia, this paper puts forward some countermeasures and suggestions to strengthen the financial needs of farmers in the process of land transfer and implement the relevant policy support. It is of great practical significance for the next step for financial institutions to develop credit products for land circulation, to innovate the insurance business of land circulation, and to improve the enthusiasm of financial needs of farmers in land circulation.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F321.1;F832.4
本文编号：2286814
[Abstract]:Speeding up the circulation of rural land market in Inner Mongolia and realizing scale management is an important opportunity for agricultural reform and a fundamental way to realize agricultural modernization in Inner Mongolia. Rural finance provides important services and support for rural land circulation, and the development of rural finance is also an important guarantee to realize the circulation of agricultural land market, accelerate the speed of land circulation in Inner Mongolia and play an important role in rural finance. It is an important way to improve the willingness of financial demand in the land circulation of farmers. After the introduction of the relevant land financial preferential policies in China, most of the agricultural loans provided by rural financial institutions to farmers are interest-free or interest-free. Therefore, under normal circumstances, most farmers are willing to accept such low-interest or interest-free loans for land circulation to expand production, such as purchasing large-scale agricultural production machinery, high-quality seeds, pesticides, and fertilizers for large-scale production. We will improve the overall level and quality of agricultural production. However, in the actual process, because the financial services provided by financial institutions such as insurance, mortgage guarantees, loan repayment periods, loan procedures, loan amounts, and so on, are too stringent, and the proceedings are too complicated, The long waiting time of processing seriously restricts the willingness of financial demand in the land circulation of farmers, which leads to the low willingness of financial demand in the process of land transfer. By investigating the development of land circulation and the financial needs of farmers in Inner Mongolia, this paper finds out the factors that restrict the financial needs of farmers, and points out the reasons why the financial demand of farmers in Inner Mongolia is insufficient in land circulation. To study the financial demand of Inner Mongolia farmers in land circulation, this paper mainly from the total amount of agricultural loans, loan term structure, loan approval process, credit guarantee system, mortgage guarantee, loan interest rate, Agricultural insurance and other aspects of the constraints on the financial will of farmers in detail. Based on the binary discrete choice model, the financial needs of rural land circulation in Inner Mongolia are analyzed empirically. This paper briefly discusses the binary discrete choice model, using this model to take the loan term, the loan quota, the farmer mortgage guarantee, the agricultural insurance, the financing difficulty degree as the independent variables, the agricultural financial product loan term, the loan quota, the peasant household mortgage guarantee, the agricultural insurance, the financing difficulty degree as the independent variable, Taking the willingness of financial demand in land circulation as dependent variable, this paper studies the probability of farmers' financial demand for land transfer. Considering the results of empirical analysis and the regional situation in Inner Mongolia, this paper puts forward some countermeasures and suggestions to strengthen the financial needs of farmers in the process of land transfer and implement the relevant policy support. It is of great practical significance for the next step for financial institutions to develop credit products for land circulation, to innovate the insurance business of land circulation, and to improve the enthusiasm of financial needs of farmers in land circulation.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F321.1;F832.4
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