辽宁省宽甸县农户资金借贷需求调查报告

发布时间：2017-12-31 16:35

本文关键词：辽宁省宽甸县农户资金借贷需求调查报告　出处：《辽宁大学》2015年硕士论文　论文类型：学位论文

【摘要】：中国是一个农业大国,农村金融是近几年来金融热点问题。农户不但是我国农业生产经营活动主体,还是农村中资金信贷市场最主要的需求方。伴随市场经济体制在农村地区的建立与完善、农户家庭多元化生产经营方式的发展以及农村地区第一、第二、第三产业结构调整的加快,农村货币市场和资本市场中的信贷需求总量逐渐变多,需求范围日益拓宽,进而及时有效的信贷供应变的更加迫切。然而,由于农村地区金融市场制度和功能方面的不足,农户的信贷需求未能得到有效的满足,农户融资困难的问题还相当严重,已成为农民收益的增多与农村地区全方位发展的严重桎梏。农户通过各种渠道借贷资金以满足自身生产、生活的需求,农户的借贷需求能否得到满足,会给农户的生产投资规模与消费水平带来巨大的影响。宽甸县的正规金融机构在信贷投放方面已经取得了很大的进展,造福了一方百姓。当然,目前这种状况还是远远不够的,还需要继续努力,以满足随着农村经济不断发展的农户持续增长的信贷需求,并进一步推动宽甸满族自治县内的农村经济、金融的发展。当下农商银行的可以提供的金融服务能力大体上代表农村地区的金融服务水平。想要提高农村正规金融机构的的服务水平,急需理清农户借贷需求的影响因素。有鉴于此,本文以调查报告的形式对宽甸满族自治县境内的农户对农村信用社的信贷需求进行调研。通过向县内各个镇的不同类型的农户(纯种植业、养殖业、个体工商户等)发放调查问卷,分析他们的借贷需求。具体分析需求因素如下:生产性需求(如种子、化肥),经营性需求(经营成本)、子女的教育经费、住房、日常生活开支等。通过归纳整理农户当前资金信贷需求状态,分析他们信贷意愿以及原因。不同的动机引发不同的借贷行为,总体上可以归纳成三类,为了满足日常生活需要,为了满足投机获利动机,为了预防未来不确定性的风险。最后,找出农户农村信用社信贷需求中存在的不足之处,并在发现的问题的基础上给出支持未来农户信贷需求可持续发展的相关建议。
[Abstract]:Chinese is a large agricultural country, rural finance is the financial hot issues in recent years. But the farmer is not our main agricultural production and business activities, or rural credit funds in most major market demand. With the establishment and perfection of market economy system in the rural areas, the development of peasant family and rural diversification of production and management in the first, second, third speed up the adjustment of industrial structure, the total demand of rural credit in the money market and the capital market gradually, demand is increasingly expanding, and timely and effective supply of credit becomes more urgent. However, due to lack of financial market system in rural areas and functional aspects of the household credit demand has not been effectively meet the farmers financing difficulties are still quite serious, has become the income of the farmers increased serious shackles and all-round development in rural areas. Farmers through Various channels of lending funds to meet their production, living needs, household borrowing needs can be met, will bring the huge influence to the farmers' production scale of investment and consumption levels. The formal financial institutions in Kuandian County in the credit has made great progress, for the benefit of the people side. Of course, the present situation it is not enough, but also need to continue efforts to meet with the credit demand of rural economic development of farmers continued to grow, and to further promote the Kuandian Manchu Autonomous County in the rural economic and financial development. The level of financial services the current rural commercial bank can provide financial services in rural areas represent the ability to improve the rural. The formal financial institutions service level, needs to be sorted out factors influencing the borrowing needs of the farmers. In view of this, this paper in the form of wide investigation report The territory of Dian Manchu Autonomous County Rural credit demand of rural credit cooperatives to carry out research. Through to the county town of different types of farmers (pure planting, aquaculture, individual industrial and commercial households) questionnaires, analysis of their borrowing needs. Detailed analysis of demand factors such as: the demand of production (such as seeds. Business needs (chemical fertilizer), operating costs), children's education funds, housing, daily living expenses. Through summing up the current state of farmers demand for credit funds, credit analysis of their intention and reason. Different motives lead to different borrowing behavior, generally can be divided into three categories, in order to meet the needs of daily life, in order to in order to meet the speculative profit motive, risk prevention of future uncertainty. Finally, find out the deficiencies of rural credit agency credit needs of farmers, and based on the problems found on this support Suggestions on the sustainable development of farmers' credit demand in the future.

【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.43

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