农户信贷可得性影响因素研究

发布时间：2018-06-12 00:07

本文选题：农户信贷可得性 + 信息不对称　；参考：《湖南大学》2014年硕士论文

【摘要】：在我国，三农问题是关系到我国国民经济发展及现代化建设的重大问题,其解决的根本途径在于农村经济的发展，依赖于农户收入的增加以及农业的产业化。然而，农户作为农村经济发展的主体和经济行为的决策者，由于合格抵押品的普遍空白化以及与金融机构之间存在严重的信息不对称，农户难以从金融机构获得信贷资金这一困境严重制约了农户生产和发展的积极性，阻碍了农村经济的发展。因此，研究农户信贷可得性及其影响因素对于农户收入的增加、农村金融服务水平的提高、农村经济的发展具有深远的意义。本文从金融供给的角度出发，以农户信贷行为理论、信息不对称理论、信贷配给理论、金融抑制和深化理论为基础对农户信贷可得性影响因素进行理论分析，在总结已有研究成果的基础上提炼出影响因素。在对理论进行全面阐述之后，，选取湖南省某县信用社的贷款农户为样本，依据前文的分析结果及所提出的假定，建立实证模型，运用SPSS软件对所选取的样本数据进行线性回归的实证分析。实证结果分析表明：软信息影响农户的信贷可得，金融机构在对农户贷款时，有意识或无意识地运用关系型贷款技术；金融机构不重视口头获取的农户当前收入水平，而愿意利用农户特征的相关信息间接分析农户潜在的收入能力和收入的多样性；金融机构在对农户贷款选择上具有非农倾向；基准利率及上浮幅度限制影响了农村金融机构对农户贷款的积极性。最后，本文结合上述理论分析以及实证分析的结果，提出改善农户自身信贷条件以提高融资能力、完善银行信贷机制以提高信贷效率、不断推进利率市场化改革以优化市场基础设施三个方面的对策建议，改善农户的融资环境，提高农户的信贷可得性。
[Abstract]:In China, the issue of agriculture, rural areas and farmers is a major problem related to the development of our national economy and modernization. The fundamental way to solve it lies in the development of rural economy, which depends on the increase of farmers' income and the industrialization of agriculture. However, as the main body of rural economic development and the decision makers of economic behavior, because of the general blank of qualified collateral and the serious information asymmetry between farmers and financial institutions, The difficulty for farmers to obtain credit funds from financial institutions seriously restricts the enthusiasm of farmers' production and development and hinders the development of rural economy. Therefore, it is of great significance to study the availability of peasant household credit and its influencing factors for the increase of peasant household income, the improvement of rural financial service level and the development of rural economy. Based on the credit behavior theory, information asymmetry theory, credit rationing theory, financial suppression and deepening theory, the influencing factors of farmers' credit availability are analyzed theoretically, and the influencing factors are extracted on the basis of summarizing the existing research results. After a comprehensive elaboration of the theory, the empirical model is established on the basis of the above analysis results and the assumptions put forward by the credit cooperatives of a county in Hunan Province. Using SPSS software to analyze the selected sample data by linear regression. The empirical results show that: soft information affects the availability of credit for farmers, financial institutions use relational loan technology consciously or unconsciously when lending to farmers, and financial institutions do not attach importance to the current income level of farmers obtained verbally. They are willing to use the relevant information of farmers' characteristics to indirectly analyze the potential income capacity and income diversity of farmers, and financial institutions have a non-agricultural tendency in the choice of farmers' loans. The benchmark interest rate and the limit of floating range affect the enthusiasm of rural financial institutions in lending to farmers. Finally, this paper, based on the above theoretical analysis and empirical analysis, proposes to improve the credit conditions of farmers in order to improve their financing capacity. Perfecting the bank credit mechanism to improve the credit efficiency, pushing forward the reform of interest rate marketization to optimize the market infrastructure, improving the financing environment of farmers, and improving the credit availability of farmers.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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