黑龙江省萝北县农户贷款情况调研报告

发布时间：2018-06-26 12:59

本文选题：农村金融 + 调查问卷　；参考：《辽宁大学》2017年硕士论文

【摘要】：最近几年,国家一直将解决“三农”问题提上日程,在2016年2月1日,中共中央、国务院正式颁布了《关于加大改革创新力度加快农业现代化建设的若干意见》,2013年以来,中央一号文件接连4年重视农业科技与农业创新,重点关注农业现代化发展,可见解决“三农”问题的重要意义所在。金融无处不在,一个设计良好并健康发展的农村金融体系的建立,特别是农村金融机构针对于当地农户提供的流动资金或贷款项目,使农户改变原始生产方式,购进先进的农业生产设备,更好的加速农业现代化的发展。萝北县在农业发展上有独特的地理优势、土地优势和政策优势,具有发展农业生产的良好自然条件,是黑龙江省农业创收的中坚力量。萝北县农户利用金融机构进行生产性融资的行为已经得到的当地居民的认可。近些年来,萝北县农村金融机构的涉农贷款资金逐步增加,可是还不能满足农户贷款需求量的增长速度,难以满足农村经济发展的要求,农户“贷款难”问题并没有得到根本改变,金融能促进经济的发展,同时它也对三农问题的解决起着至关重要的作用,萝北县农村金融市场的作用是不可或缺的,基于这样的原因,对萝北县农户贷款所存在的问题还需要我们去分析、研究和解决。现阶段,在学术领域有关农村金融机构涉农贷款问题的相关研究主要有以下两种:一个是从宏观的角度,分析整个市场涉农贷款发展的现状对农村经济产生的总体影响;二是从微观角度出发,对部分地区采用问卷调查的方式,以调查结果作为分析数据来探究农村信贷市场运行的好坏程度。本文以黑龙江省萝北县下属部分农场作为切入点进行实地调研发放问卷,选取约300户农村家庭的有效问卷作为此次抽样调查的数据,从实证的角度考察了萝北县农村正式金融机构对农贷款发放后农户贷款情况的满意程度。以调查问卷的形式进行调研,以萝北县农户为调查对象,深入萝北县下属各个农场、村镇,采取线上微信调查问卷发放和实际农户走访调查结合的形式,利用数据统计分析与实际考察相结合的方法,对当地农户信贷相关问题进行调研。全文共分五个部分:第一部分:绪论,以黑龙江省萝北县农业发展环境为起始点,调查当地农村金融机构的发展现状,分析农户贷款的背景条件,以当地农户贷款的行为为切入点总结本篇论文的调研相关背景、目的与意义,阐明论文的研究思路与方法。第二部分:分析萝北县农户贷款现状,主要包括当地金融机构对农贷款政策,农户贷款需求的现状及特点,为研究萝北县农户贷款问题提供一个大的背景。第三部分:以问卷调查的形式对萝北县下属部分地区的农户贷款具体情况进行问卷发放和真实沟通,所涉及的问卷调查的具体对象包括:纯种植业农户、纯养殖业农户、种植、养殖兼备农户和个体工商户等,对调查问卷当中的当地区农户贷款渠道、涉农贷款规模、贷款成本、贷款用途等问题进行进行了解、分析、统计,归纳整理出农户当前真实的资金信贷需求状态和农村金融机构实际满足的程度,分析农户涉农贷款中遇到的相关问题。第四部分:充分利用SWOT矩阵分析的方法,对目前萝北县农户贷款所存在的自身优势与劣势、外部机会与外部威胁因素进行深度探究,画出矩阵简要列明具体对策。第五部分:结合当地的实际情况并在调研过程中阅读了大量的参考文献,提出针对于萝北县当地农户信贷需求可持续发展的相关建议与对策,解决萝北县农户贷款供需不匹配问题,支持并促进全省农村经济更好更快的发展。
[Abstract]:In the last few years, the state has been on the agenda to solve the problem of "three rural". In February 1, 2016, the Central Committee of the Communist Party of China, the State Council formally promulgated some opinions on increasing the reform and innovation to speed up the construction of agricultural modernization. Since 2013, the central No. 1 document has paid attention to agricultural science and technology and agricultural innovation for 4 years, focusing on agricultural modernization. It can be seen that the important significance of solving the "three rural" problem is that finance is everywhere, the establishment of a well-designed and healthy rural financial system, especially the rural financial institutions to provide the local farmers with the flow of funds or loan projects, so that farmers change the original mode of production, purchase advanced agricultural production equipment, In order to accelerate the development of agricultural modernization, Luobei county has unique geographical advantages, land advantages and policy advantages, with good natural conditions for developing agricultural production, and the backbone of agricultural income in Heilongjiang province. The local residents of Luobei County farmers have already obtained the behavior of producing raw and productive financing by using financial institutions. In recent years, the agricultural loan funds of rural financial institutions in Luobei county have gradually increased, but they can not meet the growth rate of farmers' loan demand, and it is difficult to meet the requirements of rural economic development. The problem of "loan difficulty" has not been fundamentally changed, and the finance can promote the development of the economy. At the same time, it also solves the problem of agriculture and agriculture. The role of the rural financial market in Luobei county is indispensable. Based on this reason, the problems existing in the peasant household loan in Luobei county need to be analyzed, studied and solved. At the present stage, there are two kinds of related research on rural financial institutions involved in agricultural loans in the academic field: 1 From the macro point of view, this paper analyzes the overall influence of the present situation of the development of the whole market on agricultural loans to the rural economy. Two, from the micro angle, the questionnaire survey is adopted in some areas, and the results are used as the analysis data to explore the quality of the operation of the rural credit market. This article is based on the subordinates of Luobei County of Heilongjiang province. As a breakthrough point, a questionnaire was conducted as a breakthrough point, and some 300 rural families were selected as the data of this sampling survey. From the perspective of empirical analysis, the satisfaction degree of farmers' loans after the issuance of agricultural loans in Luobei county rural formal financial institutions was investigated. The survey was conducted in the form of questionnaire in the form of Luobei County farmers. For the survey, the households of Luobei County, each of the farms, villages and towns, take the form of the online WeChat survey and the actual survey of farmers, and use the method of data analysis and actual survey to investigate the local farmers' credit related issues. The full text is divided into five parts: the first part: introduction, with black dragon The agricultural development environment of Luobei County in jiangprovince is the starting point, investigation of the development status of local rural financial institutions, analysis of the background conditions of farmers' loans, and taking the behavior of local farmers' loans as the breakthrough point to summarize the relevant background, purpose and significance, clarify the research ideas and methods of the paper. The second part is to analyze the loan of farmers in Luobei County The current situation, mainly including the local financial institutions on the agricultural loan policy, the current situation and characteristics of farmers' loan demand, provides a large background for the study of the problem of farmers' loans in Luobei county. The third part: the questionnaire survey on the specific situation of farmers' loans in parts of Luobei County The specific object of the questionnaire survey includes: pure planting farmers, pure breeding farm households, planting, breeding farmers and individual industrial and commercial households, and other problems in the questionnaire, such as the loan channels, the scale of agricultural loans, the cost of loan, the use of loans and so on. Analysis, statistics, sum up the current real funds of farmers. The degree of credit demand and the actual satisfaction of rural financial institutions, analyze the related problems encountered in farmers' agricultural loans. The fourth part: make full use of the method of SWOT matrix analysis, explore the advantages and disadvantages of farmers' loans in Luobei County, explore the external opportunities and external threats, draw a brief list of matrix. The fifth part: according to the local actual situation and read a large number of references in the process of investigation, some suggestions and countermeasures are put forward for the sustainable development of the local farmers' credit demand in Luobei County, to solve the problem of the mismatch between the supply and demand of farmers' loans in Luobei County, and to support and promote the better and faster development of the rural economy in the province.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

【参考文献】