凉城县农户借贷行为研究

发布时间：2018-07-20 15:54

【摘要】：随着我国各领域改革的不断深化,对"三农"问题改革的迫切性不断成为社会各界的普遍共识。解决"三农"问题首先要解决农村资金问题,农村金融供给机构进一步优化和更新信贷类金融产品对"三农"问题的处理具有重要意义,农户是农村金融组织提供服务的直接体验者,以农户借贷行为为视角,探究农户借贷行为的影响因素,为农村金融供给组织的进一步自我革新和城镇各级政府政策制定提供理论参考。在上述研究背景介绍的基础上,本文选取凉城县的农户借贷行为作为研究对象,通过对凉城县进行实地走访调研,发放调查问卷。对有效调查问卷进行分析整理和数据处理,对凉城县借贷行为进行统计描述。借助stata软件和probit模型对农户借贷需求和是否获得正规金融机构贷款的相关影响因素进行计量分析。提出了凉城县农信社要加强自身建设,提高服务"三农"能力,当地政府要引导农村建立互助金融组织,指引民间借贷健康发展的政策建议。
[Abstract]:With the deepening of the reform in various fields, the urgency of the reform of agriculture, rural areas and farmers has become a common understanding of all walks of life. To solve the problem of "agriculture, countryside and farmers", it is necessary to solve the problem of rural funds first, and it is of great significance for rural financial supply institutions to further optimize and update the credit financial products to deal with the problem of "agriculture, countryside and farmers". Farmers are the direct experience of providing services to rural financial organizations. From the perspective of farmers' lending behavior, this paper probes into the influencing factors of farmers' lending behavior. It provides a theoretical reference for the further self-innovation of rural financial supply organizations and the formulation of government policies at all levels in cities and towns. On the basis of the above research background, this paper selects the farmers' borrowing behavior in Liangcheng County as the research object, through the field visit investigation to Liangcheng County, distributes the questionnaire. The effective questionnaire analysis and data processing, Liangcheng County lending behavior statistical description. With the help of stata software and probit model, this paper makes an econometric analysis on the influencing factors of farmers' loan demand and whether they get loans from formal financial institutions. This paper puts forward some policy suggestions that Liangcheng Rural Credit Cooperative should strengthen its own construction and improve its ability to serve the "three rural areas", and that the local government should guide the rural areas to establish mutual financial organizations and guide the healthy development of folk loans and loans.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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