鹤岗市长胜村农户借贷行为研究
发布时间：2019-01-26 11:45
【摘要】：为了研究鹤岗市长胜村农户借贷行为,紧密联系了当前的发展“社会主义新农村”、加快解决好“三农问题”的主题。在查阅农户借贷行为相关文献的基础上,通过对鹤岗市红旗乡长胜村进行了实际走访调查,以随机发放调查问卷的形式,对当地农户进行了借贷行为的综合研究。调查研究总共涉及人口数为1320人,占鹤岗市长胜村总人口数的60%,调查样本充足,研究的结论相对具有代表性。在研究过程中,通过到鹤岗市长胜村农户的家庭中进一步与农户进行沟通交流,指导农户逐项填写问卷项目,被调查农户的配合程度高、问卷项目填写数据的真实率高,调查内容更加全面、真实。通过对鹤岗市长胜村农户借贷行为调查问卷中的各项数据进行逐项汇总,对汇总的各项数据进行归纳后,得出鹤岗市长胜村农户借贷的基本情况,从而总结出鹤岗市长胜村农户借贷行为的现状及问题。再分别从自然因素、社会因素、经济因素三个层面对鹤岗市长胜村农户借贷行为中存在的制约因素进行综合分析,进而提出为了更好地满足长胜村农户借贷需求,合理引导和规范鹤岗市长胜村农户借贷行为有序发展,促进鹤岗市长胜村农村金融健康发展的对策建议。 通过调查,当前学者们尚且没有专一的对鹤岗市长胜村农户借贷行为的学术研究,对鹤岗市长胜村农户借贷行为的制约因素研究在调查研究的范围上具体到村,研究样本选取充足,研究长胜村农户借贷行为的内容分类详细具体,可以反映被调查地区农户的借贷基本现状,在农户借贷行为的研究上具有一定的前沿性,为学者们在以后研究鹤岗市长胜村农户借贷行为的相关方面上提供了研究思路。为鹤岗市农业银行等商业银行、农村信用社等正规金融机构在信贷种类制定、确保贷款的抵押物种类等方面上提供了一定的理论参考和实际借鉴。为鹤岗市政府相关部门在发挥乡村金融服务站作用、提高长胜村农户借贷信用,构建好农村金融体系与农户借贷行为的良性互动关系、更好的满足长胜村农户的借贷需求,促进和规范长胜村农户的借贷行为上提供了相关的对策建议,具有一定的参考性和可行性。
[Abstract]:In order to study the lending behavior of farmers in Changsheng Village, Hegang City, it is closely linked with the current development of "new socialist countryside" and the theme of speeding up the solution of the "three rural issues". On the basis of consulting the relevant documents of farmers' lending behavior, this paper makes a comprehensive study on the lending behavior of local farmers through the actual investigation of Changsheng Village in Hongqi Township, Hegang City, and the form of random questionnaires. The total population involved in the investigation is 1320 people, accounting for 60% of the total population of Changsheng Village in Hegang City. The investigation samples are sufficient, and the conclusion of the study is relatively representative. In the course of the research, through further communication and communication with the peasant households in Changsheng Village, Hegang City, to guide the farmers to fill out the questionnaire item by item, the cooperative degree of the investigated farmers is high, and the true rate of the data filled out in the questionnaire items is high. The investigation is more comprehensive and truthful. By summarizing the data in the questionnaire of the Changsheng Village Farmers' Lending behavior in Hegang City, and summarizing the data, we can get the basic situation of the farmers' borrowing and lending in Changsheng Village, Hegang City. Thus summed up the current situation and problems of farmers'lending behavior in Changsheng Village of Hegang City. Then from three aspects of natural factors, social factors and economic factors, this paper comprehensively analyzes the restrictive factors existing in the lending behavior of Changsheng Village farmers in Hegang City, and then puts forward that in order to better meet the lending needs of farmers in Changsheng Village. To guide and standardize the orderly development of farmers' lending behavior in Changsheng Village, Hegang City, and to promote the healthy development of rural finance in Changsheng Village, Hegang City. Through the investigation, at present scholars have not focused on the academic research on the lending behavior of the farmers in Changsheng Village, Hegang City. The research on the restrictive factors of the lending behavior of the farmers in Changsheng Village of Hegang City is specific to the village in the scope of investigation and research. The research sample selection is sufficient, the content classification of the research Changsheng village peasant household loan behavior is detailed and concrete, can reflect the survey area farmer's loan basic present situation, has certain forerunner in the farmer household loan behavior research. For the scholars in the future research on the credit behavior of Changsheng Village farmers in Hegang City, the relevant aspects of the research ideas. It provides a certain theoretical and practical reference for commercial banks such as Agricultural Bank of Hegang, rural credit cooperatives and other formal financial institutions in the formulation of the types of credit, to ensure the types of mortgage loans and so on. In order to give full play to the role of rural financial service station, improve the credit of farmers in Changsheng Village, construct a good interaction between rural financial system and farmers' borrowing behavior, and better meet the lending needs of farmers in Changsheng Village. In order to promote and standardize the lending behavior of farmers in Changsheng Village, it provides relevant countermeasures and suggestions, which has certain reference and feasibility.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.6;F832.4
本文编号：2415444
[Abstract]:In order to study the lending behavior of farmers in Changsheng Village, Hegang City, it is closely linked with the current development of "new socialist countryside" and the theme of speeding up the solution of the "three rural issues". On the basis of consulting the relevant documents of farmers' lending behavior, this paper makes a comprehensive study on the lending behavior of local farmers through the actual investigation of Changsheng Village in Hongqi Township, Hegang City, and the form of random questionnaires. The total population involved in the investigation is 1320 people, accounting for 60% of the total population of Changsheng Village in Hegang City. The investigation samples are sufficient, and the conclusion of the study is relatively representative. In the course of the research, through further communication and communication with the peasant households in Changsheng Village, Hegang City, to guide the farmers to fill out the questionnaire item by item, the cooperative degree of the investigated farmers is high, and the true rate of the data filled out in the questionnaire items is high. The investigation is more comprehensive and truthful. By summarizing the data in the questionnaire of the Changsheng Village Farmers' Lending behavior in Hegang City, and summarizing the data, we can get the basic situation of the farmers' borrowing and lending in Changsheng Village, Hegang City. Thus summed up the current situation and problems of farmers'lending behavior in Changsheng Village of Hegang City. Then from three aspects of natural factors, social factors and economic factors, this paper comprehensively analyzes the restrictive factors existing in the lending behavior of Changsheng Village farmers in Hegang City, and then puts forward that in order to better meet the lending needs of farmers in Changsheng Village. To guide and standardize the orderly development of farmers' lending behavior in Changsheng Village, Hegang City, and to promote the healthy development of rural finance in Changsheng Village, Hegang City. Through the investigation, at present scholars have not focused on the academic research on the lending behavior of the farmers in Changsheng Village, Hegang City. The research on the restrictive factors of the lending behavior of the farmers in Changsheng Village of Hegang City is specific to the village in the scope of investigation and research. The research sample selection is sufficient, the content classification of the research Changsheng village peasant household loan behavior is detailed and concrete, can reflect the survey area farmer's loan basic present situation, has certain forerunner in the farmer household loan behavior research. For the scholars in the future research on the credit behavior of Changsheng Village farmers in Hegang City, the relevant aspects of the research ideas. It provides a certain theoretical and practical reference for commercial banks such as Agricultural Bank of Hegang, rural credit cooperatives and other formal financial institutions in the formulation of the types of credit, to ensure the types of mortgage loans and so on. In order to give full play to the role of rural financial service station, improve the credit of farmers in Changsheng Village, construct a good interaction between rural financial system and farmers' borrowing behavior, and better meet the lending needs of farmers in Changsheng Village. In order to promote and standardize the lending behavior of farmers in Changsheng Village, it provides relevant countermeasures and suggestions, which has certain reference and feasibility.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.6;F832.4
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