漳州百花村花农小额信贷可得性影响因素实证研究

发布时间：2018-01-21 10:15

本文关键词： 小额信贷融资可得性影响因素　出处：《福建农林大学》2014年硕士论文　论文类型：学位论文

【摘要】：国家十二五规划提出推进农业现代化,必须坚持加大强农惠农力度,国家发改委在其官方网站上公布了《国家发展改革委关于印发全国农村经济发展“十二五”规划的通知》,要求加大对农村金融政策支持力度,拓宽农村融资渠道。随着小额信贷的产生与不断发展和国家对“三农”问题的重视,农户小额信贷也应运而生,且在小额信贷中占据着主导位置。小额信贷的推出是为了向农户提供资金以助于其从事创收活动,进而走向富裕。“三农”问题一直以来都影响着我国的经济发展和社会的稳定,虽然农户小额信贷作为政府的一个重要手段来解决“农业、农村和农民”这一问题,在我国也取得了显著性的成就,但我国农户小额信贷能否可持续发展仍有待研究。本研究通过收集、归纳文献和历史资料,梳理了农户小额信贷的相关文献,理论上分析了影响农户小额信贷可得性的因素,并以漳州市百花村为例,实地调查获取数据,利用逐步回归分析法筛选出影响花农信贷的因素：工作年限、资金主要来源、贷款期限、贷款用途、对融资环境的状况的评价、办理贷款的操作效率、申请贷款的方式、贷款利率、不愿贷款原因、款项金额。进而提出相应的解决措施：提高农户自身信贷融资能力；加大金融机构对花农的扶持力度；完善与农户小额信贷相关的国家政策。
[Abstract]:The 12th Five-Year Plan of the State proposed to promote agricultural modernization, we must insist on strengthening agriculture to benefit agriculture. On its official website, the National Development and Reform Commission published the notice of the State Development and Reform Commission on the issue of the 12th Five-Year Plan for Rural Economic Development, calling for greater support for rural financial policies. With the emergence and continuous development of micro-credit and the attention of the country to the "three rural" issues, the peasant household microfinance has emerged as the times require. The introduction of micro-credit is to provide funds to farmers to help them engage in income-generating activities. The problem of "agriculture, rural areas and farmers" has always affected the economic development and social stability of our country, although farmers' micro-credit as an important means of government to solve the "agriculture". The problem of "rural and peasant" has also made remarkable achievements in China, but the sustainable development of micro-credit of farmers in China remains to be studied. Through collecting, summarizing the literature and historical data, this study combed the related documents of farmers' microfinance, theoretically analyzed the factors that affect the availability of micro-credit for farmers, and took the Bahua Village of Zhangzhou City as an example. Field investigation to obtain data, the use of stepwise regression analysis to screen out the factors that affect the credit of flower farmers: working life, main sources of funds, loan duration, loan use, evaluation of the financing environment. The operational efficiency of handling loans, the way to apply for loans, the interest rate of loans, the reasons for unwilling to lend, the amount of money, and then put forward the corresponding solutions: to improve the credit financing capacity of farmers themselves; Increasing the financial institutions to support the flower farmers; Improve the national policy related to micro-credit for farmers.
【学位授予单位】：福建农林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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