黑龙江省肇东市农户借贷问题研究

发布时间：2018-04-28 12:57

本文选题：农户 + 借贷行为　；参考：《东北农业大学》2013年硕士论文

【摘要】：我国自古以来就是农业大国，目前仍拥有6亿多的农民，农业，农村，农民“三农”问题现已成为我国建设社会主义新农村工作中的重点和难点问题，而“三农”问题的解决则有助于促进农村经济的发展和农户的增产增收。由国外的发展经验可知，经济的发展离不开金融的支持，我国农村经济的发展同样也离不开现代农村金融市场的支持。而目前我国农村金融市场面临着资金短缺的现象，这一现象成为了制约农村经济发展和农户生活水平提高的重要障碍。目前，随着社会主义新农村工作的不断发展，农村经济也在飞速前进，农户对资金的需求已愈趋强烈。然而，农户借贷难的现象却一直存在着。这一现象在一定程度上也折射出我国现阶段农村金融体系中的一些不足之处。本文以黑龙江省肇东市为研究对象，共对其所辖4个村中259户农户进行了走访和问卷调查。通过数据整理，从农户的借款规模、方式、用途、期限、利息和担保方式等多个方面进行了处理和分析。首先，分析了肇东市农户借贷行为的现状，由调查情况发现，目前黑龙江省肇东市农户对资金的需求比较强烈，借款用途多倾向于生活性借贷。同时农户在选择借贷方式时，民间借贷方式仍比较受欢迎，而农村正规金融机构在农户的借贷行为中发挥的作用有限，不能够很好的满足农户的借贷需求。究其原因是信息不对称造成农户对这种借贷方式缺乏了解，并存在一定的排斥心理。其次，提出了黑龙江省肇东市农户借贷行为存在的问题，并对产生这些问题的原因进行了分析。发现其问题主要存在于农户的民间借贷行为以及与农村正规金融机构发生的借贷行为之中，而以上问题的出现不但限制了农户借贷行为的发生，也使得农户借贷难的形势越加严峻，最终使农村金融市场与农村经济的发展也受到一定程度的制约。通过总结分析，其问题产生的原因应涵盖以下几个方面：农户自身因素，农村正规金融机构方面和民间借贷方面，其中农户自身因素主要包括农户年龄、文化程度、年收入等因素；农村正规金融机构方面包括农村正规金融机构批准的贷款用途、网点设置、内部监管等因素；而民间借贷方面包括农户的信用、借贷的利率以及民间资金互助组织等。此外，通过分析日本、美国、印度等国外在农村金融发展以及相关制度建设方面的先进理念，与黑龙江省肇东市现阶段的农村金融情况形成对比分析，找出农村金融工作中存在的不足，通过借鉴相关经验，使其更有利于农户借贷难问题的解决，从而促进农村经济的快速发展。最后，基于以上分析，，提出了针对黑龙江省实际情况的完善肇东市农户借贷行为的若干对策建议。
[Abstract]:Our country has been a large agricultural country since ancient times. At present, there are still more than 600 million farmers, agriculture, rural areas, and farmers "three rural" problems have become the focus and difficulty in building a new socialist countryside in our country. The solution of the problem is helpful to promote the development of rural economy and increase farmers' income. From the development experience of foreign countries, the development of economy can not be separated from the support of finance, and the development of rural economy of our country is also inseparable from the support of modern rural financial market. At present, China's rural financial market is facing the phenomenon of capital shortage, which has become an important obstacle to the development of rural economy and the improvement of farmers' living standards. At present, with the continuous development of the new socialist countryside, the rural economy is advancing at full speed, and the farmers' demand for funds has become more and more intense. However, the phenomenon of farmers borrowing is difficult to exist all the time. To a certain extent, this phenomenon also reflects some deficiencies in the present rural financial system of our country. Taking Zhaodong City, Heilongjiang Province as the research object, 259 peasant households in 4 villages under their jurisdiction were interviewed and investigated by questionnaire. Through data collation, this paper deals with and analyzes the loan scale, mode, use, term, interest and guarantee of farmers. Firstly, this paper analyzes the present situation of farmers' borrowing behavior in Zhaodong City, and finds out that the demand for funds of farmers in Zhaodong City of Heilongjiang Province is strong at present, and the use of loans is more inclined to live loans. At the same time, when farmers choose to borrow, folk lending is still popular, and rural formal financial institutions play a limited role in the lending behavior of farmers, and can not meet the lending needs of farmers. The reason is that the information asymmetry results in farmers' lack of understanding of this kind of lending and the existence of a certain degree of rejection. Secondly, the problems of farmers' borrowing behavior in Zhaodong City, Heilongjiang Province are put forward, and the causes of these problems are analyzed. It is found that the problems mainly exist in the folk lending behavior of farmers and the lending behavior with rural formal financial institutions, and the above problems not only limit the occurrence of farmers' borrowing behavior. It also makes it more and more difficult for farmers to borrow, and finally restricts the development of rural financial market and rural economy to a certain extent. Through summing up and analyzing, the causes of the problems should cover the following aspects: farmers' own factors, rural formal financial institutions and private lending, among which the farmers' own factors mainly include the farmers' age, education level, etc. Annual income and other factors; formal rural financial institutions include loan purposes approved by rural formal financial institutions, network setting, internal supervision and other factors; and private lending includes the credit of farmers. Lending rates and private funds mutual aid organizations and so on. In addition, through the analysis of advanced concepts in rural financial development and related institutional construction in Japan, the United States, India and other foreign countries, a comparative analysis is made with the current rural financial situation in Zhaodong City, Heilongjiang Province. In order to promote the rapid development of rural economy, we can find out the shortcomings of rural financial work and make it more favorable to solve the problem of farmers' borrowing and borrowing by using the relevant experience for reference. Finally, based on the above analysis, the author puts forward some countermeasures and suggestions to perfect the farmers' lending behavior in Zhaodong City in view of the actual situation in Heilongjiang Province.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

【相似文献】