金融联结对农户信贷意愿影响研究

发布时间：2019-06-06 09:37

【摘要】：农户信贷意愿不强是我国农村存在的普遍现象之一,农户信贷意愿不强的根本原因在于农户贷款难。导致农户贷款难的原因主要有三个:一是农业自然风险高;二是信息不对称导致农村信贷市场失灵;三是产权制度不完善,导致农户没有有效抵押品获取贷款。其中,制约农村和农户发展的信息因素和抵押品因素则显得尤为突出。因此,如何对农村信贷交易模式创新,建立可行的机制体系,是解决信息不对称和抵押品这两大制约因素的突破口,是农户在出现贷款需求而又不愿信贷的有效解决方法。基于一些国外经典成功案例,以及这些案例在国内的成功应用经验,我们发现金融联结能够解决上述问题。金融联结是正规金融机构和非正规金融机构通过互惠式合作,以达到扩展农村信贷市场的一种金融服务。该模式中非正规金融机构借助与所在地农户沟通便利的自身优势,通过自身服务,将农户信息统一。并通过与正规金融机构展开合作,捆绑相关联结主体,提升农户信用,达到降低农户交易成本,解决正规金融机构与农户之间的信息不对称。最终达到扩大农村信贷市场业务,增加农户信贷意愿的目的。论文首先,在国内外研究及国内金融联结现状的基础上,对研究核心概念加以界定,再结合现有的理论加以研究。从目前我国农村金融所表现出来的情况及金融联结模式在一些地区的尝试,分析出影响农户信贷意愿的共性问题。从我国正规金融机构与非正规金融机构分别对农户贷款的现状进行研究,分析了两部门应采取联结的原因。从信息不对称等问题出发,分析金融联结的机理,奠定论文的理论基础。而后,论文基于黑龙江省6市18个村镇466份有效调查问卷所得到的调查数据为样本,结合我国农村金融联结发展现状,运用SPSS22.0和AMOS22.0软件构建结构方程模型,探索出个人因素、家庭因素、正规金融机构评价因素和专业合作社评价因素等对参加金融联结意愿影响较大的四个主要因素,并得出研究结论。最后,在上述研究的基础上,提出了加大农业产业化进程、提高农户组织化程度、加大对联结政策倾斜力度等相关政策建议,以期能够使捆绑信用式金融联结模式在我国能够更好的发展。
[Abstract]:The weak credit willingness of farmers is one of the common phenomena in rural areas of our country. The fundamental reason for the weak credit willingness of farmers lies in the difficulty of farmers' loans. There are three main reasons for the difficulty of farmers' loans: one is the high natural risk of agriculture; the other is the information asymmetry leads to the failure of rural credit market; the third is the imperfect property right system, which leads to farmers' lack of effective collateral to obtain loans. Among them, the information factors and collateral factors that restrict the development of rural areas and farmers are particularly prominent. Therefore, how to innovate the rural credit transaction mode and establish a feasible mechanism system is a breakthrough to solve the two constraints of information asymmetry and collateral, and it is an effective solution for farmers to appear loan demand and unwilling to credit. Based on some classical foreign success cases and the successful application experience of these cases in China, we find that financial connectivity can solve the above problems. Financial connection is a kind of financial service in order to expand the rural credit market through mutual benefit cooperation between formal financial institutions and informal financial institutions. In this model, informal financial institutions use their own advantages of convenient communication with local farmers and unify farmers' information through their own services. And through the cooperation with the formal financial institutions, bind the relevant connecting subjects, improve the credit of farmers, reduce the transaction costs of farmers, and solve the information asymmetry between formal financial institutions and farmers. Finally, the purpose of expanding rural credit market business and increasing farmers' credit willingness is achieved. First of all, on the basis of domestic and foreign research and the present situation of domestic financial connection, this paper defines the core concepts of the research, and then studies them in combination with the existing theories. From the current situation of rural finance in China and the attempt of financial connection model in some areas, this paper analyzes the common problems that affect farmers' credit willingness. This paper studies the present situation of farmers' loans from the formal financial institutions and the informal financial institutions in China, and analyzes the reasons why the two departments should be connected. Starting from the problem of information asymmetry, this paper analyzes the mechanism of financial connection and lays the theoretical foundation of this paper. Then, based on the survey data obtained from 466 effective questionnaires in 18 villages and towns in 6 cities of Heilongjiang Province, combined with the present situation of rural financial connection development in China, the structural equation model is constructed by using SPSS22.0 and AMOS22.0 software. This paper explores four main factors that have great influence on the willingness to participate in financial association, such as personal factors, family factors, evaluation factors of formal financial institutions and evaluation factors of professional cooperatives, and draws conclusions. Finally, on the basis of the above research, this paper puts forward some relevant policy suggestions, such as increasing the process of agricultural industrialization, improving the degree of organization of farmers, strengthening the tilt of the connection policy, and so on. In order to make the bundled credit financial connection model can be better developed in our country.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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