黑龙江省肇源县农户小额信贷问题研究
发布时间:2018-03-20 04:04
本文选题:肇源县 切入点:农户小额信贷 出处:《东北农业大学》2014年硕士论文 论文类型:学位论文
【摘要】:中共十八届三中全会指出,当前城乡二元结构是制约城乡发展一体化的主要障碍。只有健全体制机制,形成以工促农、以城带乡、工农互惠、城乡一体的新型工农城乡关系,才能让广大农民平等参与现代化进程、共同分享现代化成果,赋予农民更多财产权利,推进城乡要素平等交换和公共资源均衡配置。 实现农村的发展、农业水平的提高、农民收入的提升,离不开有效金融市场的支持。有效的农村金融市场能够充分动员存款、合理分配资源、降低资金使用风险,进而推动农村经济的发展,提高农民收入和生活水平。但农村金融市场的资金紧缺严重制约了农村经济的发展、阻碍了农民生活水平和福利待遇的提高。产生于20世纪70年代的小额信贷为解决资金紧缺问题提供了一种新思路,它的推行有效的缓解了农村金融市场的供求失衡问题,拓宽了资金的来源渠道,优化了农村金融结构。然而,农户小额信贷在发展的过程中仍存在许多问题,面临很大挑战。 本文通过介绍肇源县农户小额信贷发展情况,从实际出发,期望以小见大,能够为解决当前农户小额信贷中的问题提出可行性对策。文章在对相关概念及理论介绍的基础上,从实际出发介绍了肇源县农户小额信贷的发展现状及存在问题,肇源县农户小额信贷产品自身的缺陷、非规范运作、供求失衡、高风险等严重影响了肇源县农户小额信贷的有效运行;基于此,作者运用实证分析的方法,通过构建实证模型来分析以上问题成因;同时,结合国内其他县域的成功经验,总结出完善肇源县农户小额信贷的对策建议,即通过设计以农户为中心的信贷产品和服务、健全信贷机构管理体制、完善信贷供给机制、提高农民素质和生活水平、利用运行机制管理风险等方法实现肇源县农户小额信贷的可持续性发展。 文章通过归纳与演绎相结合、实证分析与规范分析相结合、定性分析与定量分析相结合及比较分析的方法,概括了农户小额信贷的基本概念和理论,对肇源县农户小额信贷的发展进行分析和总结,最终提出对策建议。
[Abstract]:The third Plenary session of the 18 CPC Central Committee pointed out that the current dual structure between urban and rural areas is the main obstacle to the integration of urban and rural development. Only by improving the institutional mechanism, can we form a new type of worker-peasant urban-rural relationship that combines industry with agriculture, city with township, mutual benefit between workers and peasants, and integration of urban and rural areas. Only in this way can farmers participate in the modernization process equally, share the fruits of modernization, endow farmers with more property rights, and promote the equal exchange of urban and rural elements and the balanced allocation of public resources. The realization of rural development, the improvement of agricultural level and the improvement of farmers' income can not be separated from the support of effective financial market. An effective rural financial market can fully mobilize deposits, allocate resources rationally, and reduce the risk of using funds. Then the development of rural economy is promoted, and the income and living standard of farmers are improved. However, the shortage of funds in rural financial market seriously restricts the development of rural economy. It has hindered the improvement of farmers' living standard and welfare treatment. The micro-credit, which came into being in 1970s, has provided a new way of thinking to solve the problem of capital shortage, and its implementation has effectively alleviated the imbalance between supply and demand in rural financial markets. It broadens the sources of funds and optimizes the rural financial structure. However, there are still many problems and great challenges in the development of micro-credit for farmers. This paper introduces the development of micro-credit of farmers in Zhaoyuan County, and expects to find out the whole through a small part, which can put forward feasible countermeasures to solve the problems in micro-credit of farmers at present. Based on the introduction of related concepts and theories, this paper introduces the concept and theory of micro-credit in Zhaoyuan County. This paper introduces the present situation and existing problems of farmers' microfinance in Zhaoyuan County, the defects of farmers' microfinance products themselves, the non-standard operation, and the imbalance between supply and demand. The high risk has seriously affected the effective operation of micro-credit for farmers in Zhaoyuan County. Based on this, the author uses the method of empirical analysis to analyze the causes of the above problems through the construction of empirical model; at the same time, combined with the successful experience of other counties in China, The countermeasures and suggestions to perfect the micro-credit of farmers in Zhaoyuan County are summarized, that is, by designing the credit products and services centered on the farmers, perfecting the management system of the credit institutions, perfecting the credit supply mechanism, and improving the quality and living standard of the farmers. The sustainable development of micro-credit of farmers in Zhaoyuan County is realized by means of management of risk by operation mechanism. Through the combination of inductive and deductive analysis, empirical analysis and normative analysis, qualitative analysis and quantitative analysis and comparative analysis, this paper summarizes the basic concepts and theories of micro-credit for farmers. This paper analyzes and summarizes the development of micro-credit for farmers in Zhaoyuan County, and finally puts forward some countermeasures and suggestions.
【学位授予单位】:东北农业大学
【学位级别】:硕士
【学位授予年份】:2014
【分类号】:F832.4
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