互联网时代农户借贷模式转型研究
发布时间：2018-12-22 08:10
【摘要】：随着农村经济发展的需要,农户需要的资金越来越多,但是农户的自有资金却无法满足这一资金需求,而且大多数农户也无法从相关的金融借贷机构借贷出自己需求的资金数量,这样就导致了广大农户借贷资金供求失衡。若要解决这一失衡,一是要想方设法提高农户的自有资金;二是要改善金融借贷机构与农户之间的借贷模式。本论文主要探讨的是第二个方面,即农户借贷模式的转型研究。在转型过程中,我们不仅要从金融借贷机构入手,也要从农户自身状况及借贷特征入手,对两者同时进行研究,找出彼此的契合点,才能有效的解决农户借贷难的问题。与此同时,互联网逐渐进入人们的视野,与人们的生活越来越紧密。我们要解决农户借贷的难题还必须要紧随时代潮流,与先进的互联网技术结合起来,碰撞出不一样的火花。从去年以来,“互联网+金融”越来越热,传统的金融与互联网相结合,形成金融互联网,互联网与金融相结合,形成互联网金融。无论是金融互联网还是互联网金融,都对人们的借贷行为产生或多或少的影响。本文就是在互联网时代的大背景之下,研究农户借贷模式的转型,以此解决农户借贷难的问题。基于以上研究背景,本文首先从传统金融借贷机构、互联网金融借贷机构、农户自身状况及借贷特征三个方面分析了我国农户借贷模式的现状与存在的问题;接着在分析传统金融借贷机构与互联网金融借贷机构的优劣势的基础上,分析了当前农户借贷模式转型的动因、目标和途径;然后初步拟定了互联网时代农户借贷模式的整体架构,包含传统金融借贷机构、互联网金融借贷机构、其他金融机构(保险、担保公司等)三个子系统,该新模式以传统金融借贷机构为主,以互联网金融借贷机构为补充,以其他金融借贷机构为辅助;最后提出我国互联网时代农户借贷模式转型的相关对策建议。本文探讨的互联网时代农户借贷模式转型并不是将传统金融借贷模式转型为新型的互联网借贷模式,而是将二者结合起来,取长补短,实现双赢。本文存在很多不足之处。在构思文章结构之前,我查阅了大量文献,虽然有关于农户借贷行为、农户借贷福利等方面的研究很多,但是关于农户借贷模式方面的研究现在还没有,更别说互联网时代下的农户借贷模式研究,这给文章的构思带来极大的挑战。另外,加上自己知识的局限性,导致本文存在很多缺陷。
[Abstract]:With the development of rural economy, farmers need more and more funds, but their own funds can not meet this demand. Moreover, most farmers are unable to borrow the amount of funds they need from the relevant financial lending institutions, which leads to the imbalance between the supply and demand of loan funds for the vast number of farmers. If we want to solve this imbalance, we must try our best to raise the farmers' own funds, and the other is to improve the lending pattern between the financial lending institutions and the farmers. This paper mainly discusses the second aspect, that is, the transformation of farmers'loan mode. In the process of transformation, we should not only start from the financial lending institutions, but also from the farmers' own conditions and lending characteristics, study the two at the same time, find out the common points of each other, in order to effectively solve the problem of farmers' borrowing difficulties. At the same time, the Internet gradually enters the people's vision, and people's life more and more closely. If we want to solve the problem of farmers' borrowing, we must follow the trend of the times, combine with advanced Internet technology, and collide with different sparks. Since last year, "Internet finance" has become more and more hot. The combination of traditional finance and the Internet has formed the financial Internet, the Internet and the financial combination, forming the Internet finance. Both financial internet and internet finance have more or less influence on people's lending behavior. Under the background of the Internet era, this paper studies the transformation of farmers' lending mode to solve the problem of farmers' borrowing difficulties. Based on the above research background, this paper first from the traditional financial lending institutions, Internet financial lending institutions, farmers' own conditions and lending characteristics of the three aspects of the analysis of the current situation and existing problems; Then, on the basis of analyzing the advantages and disadvantages of traditional financial lending institutions and Internet financial lending institutions, this paper analyzes the reasons, objectives and approaches of the transformation of farmers' lending mode. Then, the overall framework of peasant household lending model in the Internet era is preliminarily drawn up, which includes three subsystems: traditional financial lending institutions, Internet financial lending institutions, and other financial institutions (insurance, guarantee companies, etc.). The new model is based on traditional financial lending institutions, supplemented by Internet financial lending institutions and supplemented by other financial lending institutions. Finally, the paper puts forward the relevant countermeasures and suggestions on the transformation of peasant household loan mode in the Internet era. The transformation of farmers' loan mode in the Internet era is not to transform the traditional financial lending model into a new type of Internet lending mode, but to combine the two models to make up for each other's weakness and achieve a win-win situation. There are many shortcomings in this paper. Before I conceived the structure of the article, I looked up a lot of literature. Although there are a lot of studies on the behavior of farmers' borrowing and the welfare of farmers' borrowing, but there is no research on the mode of farmers' borrowing. Not to mention the research of farmers' loan mode in the internet age, which brings great challenge to the conception of this article. In addition, with the limitations of their own knowledge, there are many defects in this paper.
【学位授予单位】：西华大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
[Abstract]:With the development of rural economy, farmers need more and more funds, but their own funds can not meet this demand. Moreover, most farmers are unable to borrow the amount of funds they need from the relevant financial lending institutions, which leads to the imbalance between the supply and demand of loan funds for the vast number of farmers. If we want to solve this imbalance, we must try our best to raise the farmers' own funds, and the other is to improve the lending pattern between the financial lending institutions and the farmers. This paper mainly discusses the second aspect, that is, the transformation of farmers'loan mode. In the process of transformation, we should not only start from the financial lending institutions, but also from the farmers' own conditions and lending characteristics, study the two at the same time, find out the common points of each other, in order to effectively solve the problem of farmers' borrowing difficulties. At the same time, the Internet gradually enters the people's vision, and people's life more and more closely. If we want to solve the problem of farmers' borrowing, we must follow the trend of the times, combine with advanced Internet technology, and collide with different sparks. Since last year, "Internet finance" has become more and more hot. The combination of traditional finance and the Internet has formed the financial Internet, the Internet and the financial combination, forming the Internet finance. Both financial internet and internet finance have more or less influence on people's lending behavior. Under the background of the Internet era, this paper studies the transformation of farmers' lending mode to solve the problem of farmers' borrowing difficulties. Based on the above research background, this paper first from the traditional financial lending institutions, Internet financial lending institutions, farmers' own conditions and lending characteristics of the three aspects of the analysis of the current situation and existing problems; Then, on the basis of analyzing the advantages and disadvantages of traditional financial lending institutions and Internet financial lending institutions, this paper analyzes the reasons, objectives and approaches of the transformation of farmers' lending mode. Then, the overall framework of peasant household lending model in the Internet era is preliminarily drawn up, which includes three subsystems: traditional financial lending institutions, Internet financial lending institutions, and other financial institutions (insurance, guarantee companies, etc.). The new model is based on traditional financial lending institutions, supplemented by Internet financial lending institutions and supplemented by other financial lending institutions. Finally, the paper puts forward the relevant countermeasures and suggestions on the transformation of peasant household loan mode in the Internet era. The transformation of farmers' loan mode in the Internet era is not to transform the traditional financial lending model into a new type of Internet lending mode, but to combine the two models to make up for each other's weakness and achieve a win-win situation. There are many shortcomings in this paper. Before I conceived the structure of the article, I looked up a lot of literature. Although there are a lot of studies on the behavior of farmers' borrowing and the welfare of farmers' borrowing, but there is no research on the mode of farmers' borrowing. Not to mention the research of farmers' loan mode in the internet age, which brings great challenge to the conception of this article. In addition, with the limitations of their own knowledge, there are many defects in this paper.
【学位授予单位】：西华大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
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