杭州地区农村信用社农户贷款供需问题分析

发布时间：2018-04-29 22:12

本文选题：农村信用社 + 农户贷款　；参考：《浙江农林大学》2014年硕士论文

【摘要】：农村金融是现代农村经济的核心，中国农村经济的转型和发展离不开农村金融的支持。长期以来，中国的农村金融市场在曲折中缓慢发展，农村金融发展与农村地区日益差异化，多元化的金融需求之间的矛盾日益突出，农户融资难题长期存在。自2004年以来，，连续十个中央一号文件都强调要加快农村金融体制改革和创新、提高农村金融服务质量和水平。本文主要以杭州地区八家农村信用社为研究对象，以杭州地区八个县（市）206份抽样农户调查数据为依据，运用定性和定量分析方法，着重考察了农户贷款需求的特点，分析了农村信用社对农户贷款需求的满足程度以及当前农户贷款供求矛盾的关键问题，为有效推进农村金融改革、提高农村金融服务水平提出了对策建议。本文研究的主要结论：第一，农户贷款需求存在资金需求大额化、消费需求多元化、金融需求多样化等特点。第二，从已获贷的农户来看，农村信用社的资金与服务确实起到了很重要的积极作用，增加了农户收入，提供了生活便利，促进了农村发展。第三，农村信用社难以有效满足农户贷款需求：较高的交易成本抑制了有资金需求的农户申请贷款；正规贷款产品结构不合理，增加了农户贷款需求的流动性风险；小额贷款的覆盖范围较广，但相当大部分农户的授信额度不能满足资金需求。为了完善农村信用社服务农户贷款的作用，农村信用社应针对农村市场发展的需求，不断开发和创新金融满足业务，逐步构建一个发达的农村金融满足产品体系，建立健全农村信用社的外部管理机制。
[Abstract]:Rural finance is the core of modern rural economy. The transformation and development of Chinese rural economy can not be separated from the support of rural finance. For a long time, the rural financial market in China has been developing slowly in twists and turns, the development of rural finance and rural areas are increasingly different, the contradiction between the diversified financial needs is increasingly prominent, and the problem of farmers' financing has existed for a long time. Since 2004, the first document of ten consecutive central authorities has emphasized the need to speed up the reform and innovation of the rural financial system and to improve the quality and level of rural financial services. This paper mainly takes eight rural credit cooperatives in Hangzhou area as the research object, based on the survey data of 206 sample peasant households in eight counties (cities) in Hangzhou area, using qualitative and quantitative analysis methods, the characteristics of farmers' loan demand are emphatically investigated. This paper analyzes the degree of satisfaction of rural credit cooperatives to farmers' loan demand and the key problems of the current contradiction between the supply and demand of rural loans, and puts forward countermeasures and suggestions for effectively promoting the reform of rural finance and improving the level of rural financial services. The main conclusions of this paper are as follows: first, the farmers' loan demand is characterized by large capital demand, diversification of consumption demand and diversification of financial demand. Second, from the point of view of the farmers who have been granted loans, the funds and services of the rural credit cooperatives have indeed played a very important and positive role, which has increased the income of the farmers, provided the convenience of living and promoted the development of the rural areas. Third, rural credit cooperatives are difficult to meet the demand of farmers' loan effectively: high transaction costs restrain farmers with capital demand from applying for loans, the structure of formal loan products is unreasonable, and the liquidity risk of farmers' loan demand is increased. The coverage of small loans is wide, but the credit lines of most farmers can not meet the capital needs. In order to improve the role of rural credit cooperatives in serving farmers' loans, rural credit cooperatives should continuously develop and innovate financial satisfaction services to meet the needs of rural market development, and gradually construct a developed rural financial satisfaction product system. Establish and improve the external management mechanism of rural credit cooperatives.
【学位授予单位】：浙江农林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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