收入质量对中西部农户贷款行为影响研究

发布时间：2018-03-22 18:14

本文选题：收入质量　切入点：贷款行为　出处：《西北农林科技大学》2014年博士论文　论文类型：学位论文

【摘要】：促进农户增收是破解“三农”问题的基础。2004年以来的中央一号文件，都将促进农户增收作为重要内容和要求，强调相关部门及各级政府努力提高农户收入。在已经出台的众多关于提高农户收入的措施中，准确把握影响农户贷款的因素，制定更加具有针对性的贷款政策，是最有效的途径之一。相关研究表明，农户收入是影响其贷款行为的重要因素。然而，已有研究大多关注农户收入数量对其贷款行为的影响，关于农户收入的充足性、稳定性、结构性、成本性、知识性等内生因素如何影响农户贷款行为的相关研究较少。金融组织出台的信贷政策和信贷产品缺乏区域差异性，导致信贷政策和信贷产品难以适应中西部地区的农村金融环境及农户贷款行为，进而导致农户的贷款需求无法得到满足，降低了金融（包括政策性金融）对农户创业及收入增长支持效应。因此，从收入质量为研究视角，研究农户贷款行为及其影响因素，显得尤为必要。在借鉴已有研究成果基础上，本文从“收入质量-贷款行为-农户增收”良性循环视角，探讨收入质量对中西部农户贷款行为的影响。研究内容由以下四部分构成：第一部分为研究基础由第一、第二章组成。包括研究背景、研究目的、研究意义、研究框架、相关理论及文献回顾等，本部分主要是设计论文研究方案。第二部分为中西部农户收入质量及贷款行为基本特征，由第三章组成。根据第一部分研究结论及研究方案，本部分主要讨论问卷设计及结构，在陕西、山西等中西部省份开展专项调研情况，以及对陕西、河南等中西部省份开展的实地调研（784个样本）结果进行分析，归纳、提炼中西部农户在收入质量及贷款行为方面的基本规律与特征。第三部分为实证研究，由第四、五、六三章组成。以第二部分研究结论为基础上，本部分以收入质量为切入点，应用影响机理分析、交叉统计分析、方差分析、计量分析等方法（分别采用二元Logit模型、多元Logit模型以及Tobit模型），探究收入质量对于中西部农户贷款行为的影响机理，分析影响中西部农户贷款行为的主要因素。主要包括三方面：一是收入质量对中西部农户贷款行为起始阶段的影响研究，分析收入质量如何影响中西部农户贷款需求（论文第四章）；二是收入质量对中西部农户贷款行为决策阶段的影响研究，分析收入质量如何影响中西部农户贷款用途及贷款渠道的选择（论文第五章）；三是收入质量对中西部农户贷款行为实施阶段的影响研究，分析收入质量如何影响中西部农户贷款可获得性及还款期限（论文第六章）。第四部分为结论与建议，由第七章组成。在总结论文主要研究成果的基础上，凝练本文研究结论。同时，围绕研究过程中发现的问题，从促进农村金融带动农户收入质量提高视角，提出政策与建议。通过研究，本文得出以下主要结论：（1）在我国中西部地区，农户的收入质量对其贷款行为的各个阶段均存在显著影响。收入质量不高的农户大多具有贷款需求，贷款用途为非生产型，倾向通过非正规贷款渠道获得贷款，贷款可获得性较低，还款期限较短。收入质量较高的农户具有贷款需求的比例较小，贷款用途为投资型、生产型的农户占一定比例，倾向通过正规贷款渠道获得贷款，贷款可获得性较高，，还款期限较长。（2）当前中西部农户收入数量与收入质量间严重失调。近年来农户收入数量显著提高，但同时存在着人力资本存量不足、抵御风险能力低、劳动强度过大等突出问题。表明我国中西部地区的农户收入质量依然不高，总体上处于生存型而非积累型、投资发展型阶段。（3）近一半的中西部农户具有贷款需求，而且投资型、生产型贷款需求也占到一定比例。这表明，我国中西部地区传统的农业组织方式正逐渐打破，新型农业生产经营体系逐渐建立。（4）中西部地区农户贷款供给型约束普遍存在。农户贷款主要源自正规渠道和非正规渠道两种。虽然两种渠道的贷款可获得性存在较大差异，但非正规渠道的贷款可获得性远远大于正规贷款渠道。而且，中西部地区存在较为明显的金融抑制和广泛的贷款约束，大量农户贷款需求不能得到满足。
[Abstract]:The promotion of farmers' income is the basic.2004 to solve the "three rural problems" has a central file, will promote the farmers' income as an important content and requirements, stressed that the relevant departments and governments at all levels to increase farmers' income. In has introduced numerous measures on improving farmers' income, accurately grasp the influence factors of farmers' loans, making more targeted loan policy is one of the most effective way. The related research shows that farmers' income is an important factor affecting the loan behavior. However, the existing researches mainly focus on the impact of household income on the number of its lending behavior, adequacy, on Farmers' income structure, stability, cost, research related knowledge such factors how to influence the behavior of farmers loans less. The credit policy and credit products to financial organizations introduced the lack of regional differences, leading to credit policy and Credit products are difficult to adapt to the rural financial environment and farmers loan behavior of central and western regions, resulting in household loan demand can not be met, reduced financial (including policy finance) on Farmers' income growth and entrepreneurship support effect. Therefore, the quality of income from the research perspective, factors and their effect on the behavior of farmers loans, it is necessary to.
On the basis of existing research results, this paper discusses the impact of income quality on the loan behavior of farmers in the Midwest from the perspective of virtuous circle of "income quality loan behavior and farmers' income increase". The research contents are composed of four parts.
The first part is the foundation of the research consists of second chapters. First, including research background, research purpose, research significance, research framework, related theory and literature review, this part is mainly the research design scheme. The second part is the basic characteristics of farmers' income and the quality of the lending behavior of the Midwest, consists of third chapters. According to the conclusion and research program the first part of the study, this part mainly discusses the design and structure of the questionnaire, carry out special investigation in Shaanxi, Shanxi and other western provinces, as well as to carry out field research in Shaanxi, Henan and other western provinces (784 samples) were analyzed and summarized, the basic rules and characteristics of farmers in the Midwest refining income quality and loan behavior. The third part is the empirical research, by the fourth, fifth, 63 chapters. The second part is the research conclusions based on this part of the income quality as the starting point, the application. Cross ring mechanism analysis, statistical analysis, variance analysis, econometric analysis method (using two element Logit model, multivariate Logit model and Tobit model), explore the mechanism of influencing the quality of income loans Midwest farmers, analysis of main factors influencing farmers loans for the Midwest. Mainly includes three aspects: one is to study the income quality influence on the behavior of the initial stage of the Midwest farmers loans, analysis of income quality how to affect the Midwest farmers loan demand (the fourth chapter); two is the loans to farmers' behavior affect the quality of the Midwest income decision-making stage, analysis of the income quality how to affect the Midwest farmers loan uses and lending channel selection (Chapter fifth); the three is income the quality effect of stage of study on loan behavior of Midwest farmers, analysis of income quality how to affect the Midwest farmers loans can be obtained And the repayment period (the sixth chapter). The fourth part is the conclusion and suggestion, consists of seventh chapters. Based on summarizing the main research results and conclusions in this paper concise. At the same time, around the problems found in the research process, from the rural financial to promote farmers' income quality improvement perspective, put forward the policy and suggestion.
Through the study, this paper draws the following main conclusions:
(1) in the central and western regions of our country, the income of farmers quality in various stages of its lending behavior has significant effects. The income quality is not high, most of the peasant households with loan demand, loan applications for non production, tend to receive loans through informal channels loans, loan availability is low, the repayment period is short the quality of higher income. Farmers have a smaller proportion of the demand for loans, loans for investment, production of farmers accounted for a certain proportion, tend to receive loans through formal lending channels, loan availability is high, the repayment period is longer.
(2) the Midwest farmers' income quantity and income quality between serious disorders. In recent years the number of farmers' income increase, but there is a lack of human capital, the ability to resist risks is low, the labor intensity is too large. The outstanding problems of China's central and western regions shows that farmers' income quality is not high, in the overall survival rather than the accumulation of type, stage of investment and development.
(3) nearly half of the Midwest households have loan demand, and investment type and production loan demand also account for a certain proportion. This indicates that the traditional agricultural organization mode in central and Western China is gradually breaking down, and the new agricultural production and operation system is gradually established.
(4) common Midwest farmers loan supply constraints. Loans to farmers mainly from formal and informal channels of two. Although the two channels of the loan can be obtained but there are big differences, non formal channels of funding availability is far greater than the normal lending channel. Moreover, there is obvious and widespread financial repression the loan constraint in central and western regions, a large number of farmers' loan demand can not be met.

【学位授予单位】：西北农林科技大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F323.8;F832.43

【参考文献】