哈尔滨市农户小额信贷供需问题研究

发布时间：2018-07-02 11:27

本文选题：农户小额信贷 + 信贷供给　；参考：《东北农业大学》2017年硕士论文

【摘要】：本文将哈尔滨市作为研究对象,研究了该区域的农户小额信贷的供需现状,发现哈市存在农户小额信贷供需不匹配的状况,在对哈尔滨市一些农户进行实地调研资料分析后发现,目前黑龙江省哈尔滨市农户的小额信贷融资途径主要是银行贷款和民间借贷,只有一部分可以得到金融机构贷款,说明银行贷款的难度不小,每年在获得银行贷款时都很费力。因此,为了缓解哈尔滨市的农户小额信贷供需困境,实现农户的增收脱贫,在运用农村金融理论与农业信贷补贴理论相结合的基础上,通过定性与定量相结合的的分析方法,全面分析哈尔滨市农户小额信贷供需存在的问题以及成因,发现产生当前供需困境状况原因有外在的,即整个融资的大环境导致的;也有主观内在的,即农户及农业的弱质性决定其自身存在的一些缺陷。一方面哈尔滨市的一些农户受到整个金融体制、政策环境、担保制度等一系列客观因素制约;另一方面由于哈尔滨市农户自身观念落后、缺乏金融知识、缺少担保抵押物、信用风险高等主观因素。接下来本文将运用层次分析法对这些影响因素进行分析,分析后得到的结论是农户自身以及金融机构甚至整个外部环境都或多或少的存在问题。根据这些成因之间的权重关系,提出了相关的建议,即改善哈尔滨市农户小额信贷供需非均衡的现状,从而帮助哈市农户尽早实现小康生活。根据对黑龙江省哈尔滨市农户小额信贷的影响因素进行层次分析之后,本文将从供需双方以及外部环境入手,从改善农户自身状况和金融机构的小额信贷产品创新等方面提出相关建议,旨在能更好的为哈尔滨市农户解决小额信贷问题,提升农户小额信贷的获得率,从而对农户收入的提高给予一定的帮助,同时希望可以为黑龙江省其他地方的农户小额信贷的完善提供参考。
[Abstract]:In this paper, Harbin is taken as the research object, the present situation of supply and demand of peasant household microfinance in this area is studied, and it is found that there is mismatch between supply and demand of rural household microfinance in Harbin. Through the field investigation and analysis of some farmers in Harbin City, we find that at present, the main channels of microfinance financing for farmers in Harbin City, Heilongjiang Province, are mainly bank loans and private loans, and only a part of them can obtain loans from financial institutions. Show that the bank loan is not small, every year in the acquisition of bank loans are very difficult. Therefore, in order to alleviate the plight of supply and demand of micro-credit for farmers in Harbin, and realize the increase of farmers' income and get rid of poverty, on the basis of the combination of rural finance theory and agricultural credit subsidy theory, through the qualitative and quantitative analysis method, Through the comprehensive analysis of the problems and causes of the supply and demand of micro-credit in Harbin, it is found that there are external reasons for the current difficult situation of supply and demand, that is, the overall financing environment, but also subjective intrinsic, That is, the weakness of farmers and agriculture determines their own defects. On the one hand, some farmers in Harbin are restricted by a series of objective factors, such as the whole financial system, policy environment, guarantee system, etc. On the other hand, due to the backward concept of farmers in Harbin, they lack financial knowledge and collateral. High credit risk and other subjective factors. Then this paper will use the analytic hierarchy process to analyze these influencing factors, the conclusion is that farmers themselves, financial institutions and even the whole external environment are more or less existing problems. According to the weight relationship between these causes, this paper puts forward some relevant suggestions, that is, to improve the imbalance between supply and demand of micro-credit for farmers in Harbin, so as to help the farmers in Harbin to realize a well-off life as soon as possible. Based on the analysis of the influencing factors of farmers' micro-credit in Harbin, Heilongjiang Province, this paper will start with the supply and demand sides and the external environment. From the aspects of improving the farmers' own condition and the innovation of microfinance products of financial institutions, the paper puts forward some relevant suggestions in order to better solve the problem of micro-credit for farmers in Harbin, and to improve the access rate of micro-credit to farmers. Therefore, it can help farmers to improve their income, and hope to provide reference for the improvement of farmers' micro-credit in other places of Heilongjiang Province.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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