农户面临的信贷约束研究

发布时间：2018-01-24 15:22

本文关键词： 农户信贷约束需求供给正规金融　出处：《湖南农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前农村正规的金融机构主要包括农业银行、农业发展银行、农村信用社以及邮政储蓄银行,而在这几个机构中农村信用社覆盖面最广。随着社会的不断进步,即使是相对不发达的农村地区,农户无论是在农业生产,还是生活上都对资金的需求意愿都越来越强。可是,农户融资需求金额小、风险大,无法满足正规金融机构防范风险的要求,由此引起了农户信贷约束问题。有学者通过实证分析,显示我国农户的贷款中,仅有30%左右来自农村正规金融机构,将近70%的贷款则来自非正规的民间金融组织,说明农户从正规金融机构获得贷款受到约束。所以,要促进我国农村经济健康持续发展,应该要不断缓解农户的信贷约束,满足农户日益增长的信贷需求。文章试图通过湖南省农村信用社相关数据,对农户信贷约束进行研究,以期引发对农户信贷约束问题更多的关注,并且寻求缓解农户信贷约束的有效途径。文章共分为五章, 第一章为文章的引言,主要阐述了文章的选题背景及意义,国内外研究现状及其相应评述,交代文章的研究思路和研究方法、文章的结构安排以及创新之处。第二章为文章的理论分析,分析了缓解农户信贷约束的现实依据,界定了农村正规金融和非正规金融、农户、信贷、信贷约束等基本概念,建立一个简单的模型,以便于描述信贷约束的形成,为下文的实证分析提供相应的理论支持。第三章为定量分析,在前述理论分析基础上,利用从湖南省农村信用社获得的数据,对农户信贷约束做出实证分析。第四章为农户信贷约束的影响因素,从农户信贷需求和农户信贷供给两个方面来分析其影响因素。第五章为文章的结论及政策建议,通过对农户信贷约束的实证和规范分析,有针对性的提出缓解农户信贷约束的相关政策建议。
[Abstract]:At present, the rural formal financial institutions mainly include the Agricultural Bank, Agricultural Development Bank, Rural Credit Cooperatives and Postal savings Bank, but in these institutions the coverage of rural credit cooperatives is the most extensive. With the continuous progress of society. Even in the relatively underdeveloped rural areas, farmers are more and more willing to demand funds in both agricultural production and daily life. However, the amount of farmers' financing needs is small and the risk is high. Unable to meet the requirements of the formal financial institutions to guard against risks, this caused the problem of farmers' credit constraints. Some scholars through empirical analysis, show that our country's farmers in the loans. Only about 30% from rural formal financial institutions, nearly 70% of loans from informal private financial organizations, indicating that farmers from formal financial institutions to obtain loans are constrained. In order to promote the healthy and sustainable development of rural economy in China, we should constantly ease the credit constraints of farmers and meet the increasing credit needs of farmers. This paper attempts to use the relevant data of Hunan Rural Credit Cooperatives. In order to arouse more attention to the problem of farmers' credit constraints and to seek effective ways to alleviate them, the paper is divided into five chapters. The first chapter is the introduction of the article, mainly describes the background and significance of the topic, domestic and foreign research status and its corresponding comments, the article's research ideas and research methods. The structure and innovation of the article. The second chapter is the theoretical analysis of the article, analysis of the real basis for easing the farmers' credit constraints, define the rural formal and informal finance, farmers, credit, credit constraints and other basic concepts. A simple model is established to describe the formation of credit constraints and provide theoretical support for the empirical analysis below. The third chapter is quantitative analysis, on the basis of theoretical analysis, using the data obtained from Hunan Rural Credit Cooperatives to make an empirical analysis of farmers' credit constraints. Chapter 4th is about the influencing factors of farmers' credit constraints, which are analyzed from the two aspects of farmers' credit demand and farmers' credit supply. Chapter 5th is the conclusion of the article and policy recommendations, through the empirical and normative analysis of farmers' credit constraints, targeted to ease the farmers' credit constraints related policy recommendations.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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