基于农户需求影响因素的含山县小额信贷问题研究

发布时间：2018-07-03 13:21

本文选题：小额信贷 + 农户　；参考：《安徽农业大学》2014年硕士论文

【摘要】：我国是一个农业大国,“三农”问题始终是进行改革、建设和发展的根本之所在。然而,农业生产率低直接导致了农户收入水平低,进一步导致了农户对资本的拥有能力,导致了农业生产经营资金的投入有限,不利于农村经济发展,阻碍农业生产水平提高,难以农户提高收入水平。为了进行生产投资,贷款成为农户首要选择,通过有效的贷款来促成农户的农业生产。小额信贷作为一种有效的扶贫手段,不仅可以缓解农村金融市场上资金借贷困难问题,优化农村金融机构体制,还可以促进农村经济发展。虽然农业现代化的进程正在逐步加快,但家庭农业仍是我国农业中占统治地位的经济主体,激发农户的生产积极性,为农民发家致富提供了可持续发展的有效保证。20世纪末,完整意义上的小额信贷才在我国出现。相较于国际上其他国家而言,我国小额信贷起步较晚,发展缓慢,照搬孟加拉国的乡村银行模式。虽有众多的专家学者对小额信贷“本土化”进行了研究,但大多数关注的是宏观环境,以绩效分析和可持续发展理论阐述为主,对于具体地区的实证分析较少,且缺乏有力的调查数据分析来支持理论。凯恩斯货币需求理论、非对称信息理论、不完全竞争理论都是西方经济学中应用较为广泛的理论,有着丰富的实证研究,深受研究者们的欢迎。本文以上述西方经济学理论为出发点,将其应用到含山县农户小额信贷需求影响因素的分析当中,在参考其他相关研究调查问卷的基础上,结合含山县当地农户生产经营的特点,设计了本研究的调查问卷。通过在含山县各个镇、乡发放,并通过计量软件spss、eviews软件对数据进行整理、回归。首先,本文先概括含山县经济发展现状,了解该地区小额信贷的相关主体,以及含山县当地农户小额信贷的供给现状,包括有正规金融机构和非正规金融组织的。其次,本文用西方经济学理论凯恩斯货币需求理论、信息不对称理论、不完全竞争理论分析了含山县农户小额信贷需求,得出农户对于小额信贷的需求主要用于满足交易性动机和谨慎性动机；信息的非对性造成资金的供需双方难以完成借贷；正规金融机构和非正规组织在农户小额信贷提供上的不完全,边缘农户难以获得信贷服务。最终根据以上3个理论设计了本文的调查问卷,具体见附件。再次,通过对于调查问卷的回归分析,得出以下结论：第一、户主性别与含山县农户小额信贷需求影响不显著。第二、户主年龄、农户家庭收入、人均耕地面积与含山县农户小额信贷需求负相关。第三、家庭人口数、户主受教育水平与含山县农户小额信贷需求正相关。最后,从农户自身角度、政府角度以及金融机构三个方面,来提出满足现有农户自身小额信贷需求和引导小额信贷机构发展的建议,其中农户应提升自身文化素质,提高自身金融素质,增强对于资金的使用效率；政府应完善保障体系,加强信用建设,健全金融监管；运用7P理论对金融机构提出合理建议,为促进含山县农户小额信贷发展,加快含山县经济发展速度提供了新的思路。
[Abstract]:China is a big agricultural country. The "three rural" problem is always the fundamental place for reform, construction and development. However, the low agricultural productivity leads to the low income level of farmers, which leads to the ability of the farmers to have the capital, which leads to the limited investment in the agricultural production and management funds, which is not conducive to the development of the rural economy and hinders the farmers. It is difficult for farmers to improve their income level. In order to make investment in production, loans become the primary choice of farmers, and through effective loans to promote agricultural production. As an effective means of poverty alleviation, micro credit can not only alleviate the problems of financing difficulties in rural financial markets, and optimize the body of rural financial institutions. It can also promote the development of the rural economy. Although the process of agricultural modernization is accelerating gradually, the family agriculture is still the dominant economic subject in our agriculture. It can stimulate the enthusiasm of the farmers and provide the farmers with the effective guarantee of sustainable development. The end of the.20 century is the complete meaning of microcredit in me. Compared with other countries in the world, microcredit in China started late, developed slowly and copied the rural bank model of Bangladesh. Although many experts and scholars have studied the "localization" of microfinance, most of them are concerned with the macro environment, which are mainly based on the theory of performance analysis and sustainable development, and There are few empirical analyses in specific areas, and lack of strong investigation data analysis to support the theory. Keynes's monetary demand theory, asymmetric information theory, and incomplete competition theory are widely used in western economics. There are abundant empirical studies, which are well received by researchers. This paper describes the western economics theory above. On the basis of the analysis of the influencing factors of the farmers' demand for microfinance in the county of Hanshan County, on the basis of the other relevant research questionnaire, the paper designs the questionnaire of this study on the basis of the characteristics of the production and management of the local farmers in the county of the county of the county, and through the distribution of the towns and villages in the county of the county of the county, and through the measurement software SPSS, Eviews First, this article generalizes the present situation of the economic development of the county, and understands the relevant subjects of the microcredit in this area, as well as the supply status of the local farmers' microfinance in the county, including the regular financial institutions and the informal financial organizations. Secondly, this paper uses the Keynes monetary demand theory of western economics theory. On the basis of information asymmetry theory and incomplete competition theory, the demand of farmers' microfinance in the county of Hanshan county is analyzed. It is concluded that farmers' demand for micro credit is mainly used to meet the transaction motivation and prudent motivation; the non right information of the information is difficult to complete the loan between the supply and demand sides of the funds; the regular financial institutions and the informal organizations are small in the farmers. It is difficult for marginal farmers to obtain credit services. Finally, according to the above 3 theories, the questionnaire is designed, and the appendix is specifically designed. Thirdly, through the regression analysis of the questionnaire, the following conclusions are made: first, the gender of the household and the small credit demand of farmers in the County of the county are not significant. Second, the year of the household. Age, household income and per capita cultivated land area have a negative correlation with the demand for microfinance of farmers in the county. Third, the number of family population, the education level of household owners is positively related to the demand for microfinance of farmers in the county of the county. Finally, from the angle of farmers themselves, the government angle and the financial institutions three aspects, to meet the needs of the existing farmers' own microfinance. It is suggested that the farmers should improve their own cultural quality, improve their own financial quality and enhance the efficiency of the use of funds. The government should improve the security system, strengthen the credit construction and improve the financial supervision, and put forward reasonable suggestions to the financial institutions by using the 7P theory, in order to promote the microfinance of the farmers in the county. Development has provided a new way of thinking for speeding up the economic development of Hanshan county.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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