吉林省农户信贷配给的实证分析

发布时间：2018-06-01 00:22

本文选题：信贷配给 + 农户　；参考：《吉林农业大学》2014年硕士论文

【摘要】：经济发展离不开金融要素，破解农村金融难题对解决三农问题至关重要。现阶段，农村金融难题最直接的体现就是广泛存在的农户信贷配给问题。本文依据信贷配给理论，通过问卷调查的方式，阐明了吉林省农户信贷配给的现状，分析了导致农户信贷配给的原因，在此基础上，运用Logistic模型，实证分析了农户家庭及个人特征对其所受信贷配给的影响，提出缓解农户信贷配给的建议。吉林省农户信贷配给程度比较严重。从211份调研样本看，74.5%的调研对象反映农业生产过程中会出现资金短缺，如果借贷的话，61.1%的农户首选金融机构。有信贷需求的农户，受到部分数量配给、完全数量配给、风险配给、交易成本配给和未借贷型价格配给的占90.04%，说明吉林省农户信贷配给程度是比较严重的。农户受到信贷配给的原因是多方面的：从金融供给主体看，一是农村金融机构网点少，二是农村金融机构普遍具有非农化经营趋势，三是信贷产品不适应农户需求；从金融需求主体看，一是农户思想保守限制了金融需求，二是收入偏低难以承担高额贷款成本，三是抵押物缺乏无法获取贷款；从金融环境看，，农业的弱质性和农民的弱势性很容易导致信贷配给的现象。从农户自身的禀赋出发，利用Logistic模型t模型实证分析了农户家庭及个人特征对其所受信贷配给的影响。研究结果表明，年龄越大、受教育水平越高、土地经营规模越大、收入水平越高、利率越低，农户受到信贷配给的概率就越小，反之则受到信贷配给的可能性就越大。而且这些因素的交互作用是复杂的。提出缓解农户信贷配给的建议，即创新金融产品和服务、发展农业保险、完善金融基础设施、提高农户信用意识、增加农户收入等。
[Abstract]:Economic development can not be separated from financial elements, solving rural financial problems is very important to solve the three rural problems. At present, the most direct embodiment of rural financial problems is the widespread farmers credit rationing problem. Based on the theory of credit rationing and questionnaire survey, this paper clarifies the present situation of credit rationing of farmers in Jilin Province, and analyzes the reasons leading to credit rationing of farmers. On this basis, the Logistic model is used. This paper empirically analyzes the influence of the family and individual characteristics on the credit rationing, and puts forward some suggestions to alleviate the credit rationing. Jilin Province farmer credit rationing degree is quite serious. From 211 survey samples, 74.5% of the respondents showed that there would be a shortage of funds in the course of agricultural production, and 61.1% of the farmers preferred financial institutions if they borrowed. There are many reasons for farmers to receive credit rationing: first, the rural financial institutions have few network points, the other is the rural financial institutions generally have the trend of non-agricultural operation, and the third is that the credit products do not meet the needs of farmers; From the view of the main body of financial demand, one is that the peasant household's thought has restricted the financial demand conservatively, the other is that the low income is difficult to bear the high loan cost, and the third is the lack of collateral to obtain the loan; from the view of the financial environment, The weak quality of agriculture and the weakness of farmers can easily lead to the phenomenon of credit rationing. Based on the natural endowment of farmers, this paper empirically analyzes the influence of family and individual characteristics on the credit rationing of farmers by using Logistic model t model. And the interaction of these factors is complex. The paper puts forward some suggestions to alleviate the credit rationing of farmers, such as innovating financial products and services, developing agricultural insurance, perfecting financial infrastructure, raising farmers' credit consciousness and increasing farmers' income, etc.
【学位授予单位】：吉林农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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