孟津县农户小额信贷需求的影响因素研究

发布时间：2018-05-18 21:16

本文选题：小额信贷 + 农户　；参考：《四川农业大学》2013年硕士论文

【摘要】：从2004年至2013年,我国连续十年将“一号”文件的落脚点,锁定在“三农”领域,改变农村落后的面貌,建设社会主义新农村,是我国政府的首要任务。在我国,农村金融机构的可持续发展,正式解决“三农”问题的根源所在。农村小额信贷作为我国一种长期有效的扶贫手段,不仅可以缓解农村金融市场的货币供求矛盾,还可以优化农村金融体系结构,加快农村经济发展。但是,由于小额信贷在我国尚处于起步阶段,小额信贷机构的发展直接照搬国外模式居多,经济、文化等差异使得小额信贷发展过程中出现诸多问题,影响并制约着我国农村经济的健康发展。本文从河南省洛阳市孟津县农村的实际情况出发,针对农村农户多元化发展农业经济,从而产生了对小额信贷的需求为主线,以该地区农户小额信贷需求的问题描述为出发点,剖析影响因素的成因,并对小额信贷需求的影响因素进行排序。采用文献研究法、问卷调查法和统计分析法等方法,对影响农户小额信贷需求的影响因素进行重点分析。本文研究的主要结论是孟津县农户小额信贷存在可获得性小、农户小额信贷需求的满足程度低、资金供应不合理、信贷产品设计不合理等问题,提出影响孟津县农户小额信贷的因素主要有农户小额信贷可获得性、借贷金额、贷款利率、贷款周期、资金需求的紧急程度和农户的文化程度等,并对这些因素的影响程度进行了分析与比较,指出了影响孟津县农户小额信贷需求的主要因素是可获得程度、借贷金额、贷款利率、贷款周期等。基于以上结论,提出引导小额信贷机构发展和满足现有农户自身信贷需求可行性建议；并以开发区域特色产品、建立合理贷款制度、加强机构内控机制建设、政府基金担保、提升农户文化水平、调整农村经济机构、建立小额信贷激励机制等方面提出对策,以期更好地促进孟津县的新农村建设,农户增收,以及农业经济的持续、健康发展。
[Abstract]:From 2004 to 2013, it is the primary task of our government to fix the "No.1" document in the field of "agriculture, countryside and farmers", to change the backward appearance of the countryside and to build a new socialist countryside. In our country, the sustainable development of rural financial institutions is the root of solving the problem of agriculture, countryside and farmers. As a long-term effective means of poverty alleviation, rural microfinance can not only alleviate the contradiction of money supply and demand in rural financial market, but also optimize the structure of rural financial system and accelerate the development of rural economy. However, as microfinance is still in its infancy in China, the development of microfinance institutions is mainly based on foreign models, and the differences in economy and culture have caused many problems in the process of microfinance development. It affects and restricts the healthy development of our country's rural economy. Based on the actual situation of rural areas in Mengjin County of Luoyang City, Henan Province, this paper aims at the diversified development of agricultural economy of rural farmers, thus generating the demand for micro-credit as the main line, and taking the problem description of the demand for micro-credit of farmers in this area as the starting point. This paper analyzes the causes of influencing factors, and sorts the influencing factors of microfinance demand. By using the methods of literature research, questionnaire survey and statistical analysis, this paper mainly analyzes the influencing factors of farmers' demand for microfinance. The main conclusion of this paper is that there are some problems, such as small availability of micro-credit, low demand of micro-credit, unreasonable supply of funds, unreasonable design of credit products, etc. It is proposed that the main factors influencing the micro-credit of farmers in Mengjin County are the availability of micro-credit, the amount of loans, the interest rate of loans, the loan cycle, the degree of urgency of capital demand and the education level of farmers, etc. The influence degree of these factors is analyzed and compared, and it is pointed out that the main factors affecting the demand for micro-credit of farmers in Mengjin County are the degree of availability, loan amount, loan interest rate, loan cycle and so on. Based on the above conclusions, the paper puts forward some feasible suggestions to guide microfinance institutions to develop and meet the credit needs of existing farmers, and to develop regional characteristic products, establish a reasonable loan system, strengthen the construction of internal control mechanism of institutions, and guarantee government funds. In order to promote the construction of new countryside in Mengjin County, increase the income of farmers, and develop the agricultural economy continuously and healthily, this paper puts forward some countermeasures in the aspects of raising the peasant household's education level, adjusting the rural economic organization, establishing the micro-credit incentive mechanism and so on.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

【参考文献】