四川省井研县小额信贷现状及发展研究

发布时间：2018-03-08 18:21

本文选题：适度规模经营　切入点：小额信贷　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：“三农”问题是长期影响我国经济增长和社会稳定的一个关键性命题,“三农”问题的关键是解决农民的创收问题。为了帮助农民增收,政府和学者们也在积极地寻求方法,根据我国现在农村的实际情况同时借鉴国外发达地区农业经营的经验,农业适度规模经营被认为是促进农村经济发展的新的方向。农业适度规模经营可以整合土地资源,解决农村土地抛荒的问题：可以形成规模效应,帮助农民增收：可以促进新技术在农业生产中的运用。但是农业规模经营需要资金,资金成为了制约农业规模化经营的一个关键性的因素。自1994年小额信贷在中国进行试点,其发展已有近30年的时间,而主要在农村地区开展小额信贷业务的农村信用社和邮政储蓄银行对农村地区的贫困农民摆脱贫困也做出了一定的贡献,如今在农村地区实行规模经营的新的发展时期,农村信用社和邮政储蓄银行还没有适应新的发展模式,而设计出对农业规模经营更有针对性的小额信贷产品,所以现在的农村小额信贷的现状是只能满足规模经营农户的部分资金需求。本文对四川井研县的规模种养殖户的资金需求情况进行测算并结合井研县农村信用社的小额信贷的开展情况进行分析,第一章,为绪论部分,主要介绍选题背景、选题的目的和意义、国内外小额信贷的研究状况和本文的研究内容与方法、创新与不足。第二章,是小额信贷和规模经营的相关理论的论述,包括农村小额信贷的相关理论,如农村金融发展理论(农业信贷补贴论、农村金融市场论和不完全竞争市场理论)和信息不对称理论及规模经营和适度规模经营的概念及背景和相关理论基础(边际报酬递减和规模经济、交易费用理论)。第三章,对井研县农村信用社开展小额信贷业务的情况和外部条件进行了分析和说明,并结合问卷和两个案例分析,测算农村适度规模经营农户的资金需求情况。第四章,对井研县农村信用社的现状进行了分析,并结合昆仑村镇银行的风险控制方法进行了介绍,指出井研县农村信用社小额贷款产品的不足之处。第五章,分析了农村小额信贷对“三农”的作用并对在规模经营条件下的井研县农村小额信贷的发展提出建议。
[Abstract]:The issue of "agriculture, countryside and farmers" is a key proposition that affects the economic growth and social stability of our country for a long time. The key to the problem of "agriculture, countryside and farmers" is to solve the problem of farmers' income. In order to help farmers increase their income, the government and scholars are actively seeking ways. According to the actual situation of rural areas in our country and the experience of agricultural management in developed regions of foreign countries, the moderate scale management of agriculture is considered to be a new direction to promote the development of rural economy. The moderate scale management of agriculture can integrate land resources. Solving the problem of rural land abandonment: it can form scale effect and help farmers increase their income. It can promote the application of new technology in agricultural production. Capital has become a key factor restricting the large-scale operation of agriculture. Since 1994, micro-credit has been developed in China for nearly 30 years. Rural credit cooperatives and postal savings banks, which mainly engage in micro-credit in rural areas, have also made certain contributions to poverty relief for poor farmers in rural areas. Now, a new development period of large-scale operation in rural areas is under way. Rural credit cooperatives and postal savings banks have not yet adapted to the new development model, but have designed more targeted microcredit products for agricultural scale operations. So the current situation of rural microfinance is only to meet the scale of farmers' capital needs. This paper calculates the fund demand of the large-scale farmers in Jingyan County, Sichuan Province, and analyzes the development of micro-credit in the rural credit cooperatives of Jingyan County. The first chapter is the introduction part, which mainly introduces the background of the selected topics. The purpose and significance of the topic, the research situation of microfinance at home and abroad, the research contents and methods of this paper, the innovation and deficiency. Chapter two is the discussion of the related theories of microfinance and scale management, including the related theories of rural microfinance. For example, the theory of rural financial development (agricultural credit subsidy theory), Rural financial market theory and incomplete competition market theory) and information asymmetry theory and the concept and background of scale operation and moderate scale operation and related theoretical basis (marginal return decline and scale economy, transaction cost theory etc. This paper analyzes and explains the situation and external conditions of rural credit cooperatives in Jingyan County to carry out micro-credit business. Combined with questionnaire and two case studies, the paper calculates the fund demand of rural farmers with moderate scale. Chapter 4th, This paper analyzes the present situation of the rural credit cooperatives in Jingyan County, introduces the risk control methods of Kunlun Village Bank, and points out the deficiency of the micro-credit products of the rural credit cooperatives in Jingyan County. Chapter 5th, This paper analyzes the effect of rural microfinance on "agriculture, countryside and farmers" and puts forward some suggestions on the development of rural microfinance in Jingyan county under the condition of scale operation.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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