农户担保贷款影响因素及新机制构建研究

发布时间：2018-04-11 04:34

本文选题：农户 + 担保贷款　；参考：《西北农林科技大学》2014年硕士论文

【摘要】：中共十八大报告强调，着力促进农民增收，保持农民收入持续较快增长。而农村金融是农村经济发展、农民增收的重要保障，对于解决“三农”问题、促进城乡一体化发展具有重大意义。小额贷款担保是一种降低贷款风险、加速农村资金流转的有效机制，但现实中农村有效担保物匮乏以及相应的担保机制不健全严重制约了农户收入的提高和农村经济的发展。农民专业合作社不仅具有提高农民组织化程度、优化农业产业结构、增强农户市场竞争力的功能，还具有为农户的小额贷款提供担保等融资潜能。本文从贷款担保理论出发，根据实地调研数据，实证分析了影响我国农户担保贷款的主要因素，结合农民专业合作社的发展现状、组织优势等研究农民专业合作社参与农户小额贷款担保的优势与可行性,结合实际构建新的贷款担保机制，并提出相应的风险控制办法，最后提出促进农民专业合作社担保贷款健康发展的对策措施。本论文主要分为6个部分：第一部分为导论，主要介绍论文的选题背景、研究目的意义、国内外关于担保贷款与合作金融的理论研究以及缓解农户贷款难题的经验和文章结构等。第二部分主要介绍了农户小额担保贷款的相关概念特征及理论基础。第三部分介绍了农户担保贷款现状并分析了其在当前发展中存在的问题。第四部分根据实地调研数据，实证分析了影响农户担保贷款实施的主要因素。第五部分从农民专业合作社法人地位、经济基础和组织优势等方面出发，研究农民专业合作社参与农户小额担保贷款的优势和可行性，根据农村金融环境构建农民专业合作社担保贷款的农户担保贷款新机制，，并从完善法律法规、健全社会服务组织、建立风险补偿机制及加大财政补助等方面提出具体的风险控制措施。第六部分主要介绍了促进农民专业合作社担保贷款健康发展的对策建议。本文的研究结果：第一，通过实地走访和调研获得数据，运用多分类有序LOGIT模型分析了农户担保贷款影响因素，得出户主文化程度、农户家庭劳动力数量、农户家庭年收入以及是否参加农民专业合作社是影响农户担保贷款的主要因素；第二，根据农村金融环境现状，结合农民专业合作社在农村的组织优势，构建农民专业合作社担保贷款新机制；第三，从政府财政注资、引导和鼓励农村金融机构大胆创新、建立健全农村社会中介服务组织、大力推广农业保险和建立健全农村信用征信体系等方面加强政府对农民专业合作社参与农户小额信贷担保这一创新担保机制的支持。
[Abstract]:The report of the 18th CPC National Congress stressed that efforts should be made to increase farmers' income and maintain a sustained and rapid increase in their income.Rural finance is an important guarantee for the development of rural economy and the increase of farmers' income, which is of great significance to solve the problem of "agriculture, countryside and farmers" and to promote the development of integration of urban and rural areas.Microfinance guarantee is an effective mechanism to reduce the risk of loan and accelerate the circulation of rural funds. However, in reality, the lack of effective collateral in rural areas and the imperfect guarantee mechanism seriously restrict the increase of farmers' income and the development of rural economy.The farmers' specialized cooperative not only has the function of improving the farmers' organization, optimizing the agricultural industrial structure and enhancing the farmers' market competitiveness, but also has the financing potential of providing guarantee for the farmers' small loans.Based on the theory of loan guarantee and field investigation data, this paper empirically analyzes the main factors that affect the guarantee loan of farmers in China, and combines with the present situation of the development of farmers' specialized cooperatives.Organizational advantages and other research on the advantages and feasibility of farmers' professional cooperatives to participate in micro-credit guarantee, combined with the actual construction of a new loan guarantee mechanism, and put forward the corresponding risk control measures.Finally, the paper puts forward the countermeasures to promote the healthy development of guarantee loans in farmers' professional cooperatives.This paper is divided into six parts: the first part is the introduction, which mainly introduces the background of the topic, the significance of the purpose of the research.The theoretical research on guaranteed loan and cooperative finance at home and abroad, and the experience and structure of the article on alleviating the difficult problem of farmers' loan, etc.The second part mainly introduces the related concept characteristics and theoretical basis of peasant household micro-guarantee loan.The third part introduces the current situation of peasant household guarantee loan and analyzes its existing problems in the current development.The fourth part empirically analyzes the main factors that affect the implementation of farmer guarantee loan according to the field investigation data.The fifth part studies the advantages and feasibility of farmers' professional cooperatives' participation in micro-guarantee loans from the aspects of legal person status, economic basis and organizational advantages of farmers' specialized cooperatives.According to the rural financial environment, we should construct a new mechanism of guaranteed loans for farmers' professional cooperatives, and improve the social service organizations by perfecting laws and regulations.Establish risk compensation mechanism and increase financial subsidies and other aspects of specific risk control measures.The sixth part mainly introduces the countermeasures and suggestions to promote the healthy development of guarantee loans in farmers' professional cooperatives.The results of this paper are as follows: first, through field visits and research, this paper analyzes the factors affecting farmers' guaranteed loan by using multi-classification and ordered LOGIT model, and obtains the education level of the head of household and the number of household labor force.The annual income of farmers and whether to join the farmers' professional cooperatives are the main factors that affect the farmers' guaranteed loans. Secondly, according to the current situation of the rural financial environment, combining the organizational advantages of the farmers' professional cooperatives in rural areas,To construct a new mechanism of guaranteed loans for farmers' specialized cooperatives; third, to inject capital into the government finances, guide and encourage rural financial institutions to innovate boldly, and establish and improve rural social intermediary service organizations.In the aspects of popularizing agricultural insurance and establishing and perfecting rural credit information system, the government should strengthen the support of farmers' specialized cooperatives to participate in the innovative guarantee mechanism of farmer's micro-credit guarantee.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43;F224

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