基于农户需求角度的杨凌小额信贷问题研究

发布时间：2018-07-27 21:16

【摘要】：我国是一个农业大国，如何解决三农问题、促进三农发展一直是我国比较重视的问题。小额信贷作为一个支农的金融形式，能有效的给予农民所需的资金需求，促进三农发展。杨凌地处我国西部，由于生产力、劳动力素质和农村金融市场发展较东部地区落后，所以在解决杨凌农村地区的小额信贷需求问题时，，应该实事求是的考虑杨凌地区的实际。了解杨凌地区农民真实的小额信贷意愿，以农民的需求为核心，分析影响杨凌地区农民小额信贷的因素，为杨凌地区农村金融发展和杨凌农村经济的发展提供参考意见和依据。本文在界定小额信贷的内涵，并且在国外、国内小额信贷的发展理论和国外小额信贷成功案例的基础上，归纳了小额信贷的成功经验并对杨凌地区小额信贷的发展以启示。通过对杨凌农村经济的简要介绍，指出杨凌农村地区经济发展中存在的问题。通过对杨凌辖区内搜集的实际调研资料的处理分析，借助多元线性回归模型分析出小额信贷对杨凌地区农民收入有促进作用。本论文以杨凌地区农户角度出发，对杨凌地区农村小额信贷进行分析研究，理论联系实际，定性与定量方法、宏观与微观视角相结合。基于农户需求视角寻找影响杨凌地区农民对小额信贷需求的因素，根据所得因素提出影响杨凌地区农户小额信贷意愿的因素假设，同时提出因素假设的影响方向。进一步的通过二元logistic回归分析与因素假设和假设方向做出对比。通过分析结果，合理的解释因素结果。通过实际数据分析，得到以下结论：杨凌地区受调查农户的收入、土地面积、受教育程度、是否当过村干部、家庭负担、购买生产资料意愿和金融政策宣传7个因素对杨凌地区农民对小额信贷需求有着显著影响。其中受教育程度、家庭负担、是否当过村干部、购买生产资料意愿和金融政策宣传对杨凌地区受调查农户小额信贷意愿存在正向显著；收入和土地面积对杨凌地区受调查农户小额信贷意愿存在负向显著。最后，在分析影响杨凌地区受调查农户小额信贷的因素后，本论文为促进杨凌小额信贷发展提出符合杨凌实际的建议。
[Abstract]:China is a big agricultural country, how to solve the problem of agriculture, rural areas and farmers, and how to promote the development of agriculture, rural areas and farmers has always been paid more attention to in our country. As a financial form of supporting agriculture, microfinance can effectively give farmers the need for funds and promote the development of agriculture, rural areas and farmers. Yang Ling is located in the west of our country, because of the backward development of productivity, labor force quality and rural financial market, so we should consider the reality of Yang Ling area realistically when solving the problem of microfinance demand in Yang Ling rural area. To understand the true microfinance will of farmers in Yang Ling area, take farmers' demand as the core, analyze the factors that affect the micro-credit of farmers in Yang Ling area, and provide the reference and basis for the development of rural finance and Yang Ling rural economy in Yang Ling area. On the basis of defining the connotation of micro-credit, and on the basis of the development theory of micro-credit in foreign countries and the successful cases of micro-credit abroad, this paper sums up the successful experience of micro-credit and enlightens the development of micro-credit in Yang Ling area. This paper briefly introduces the rural economy of Yang Ling and points out the problems existing in the economic development of the rural areas of Yang Ling. Through the processing and analysis of the actual investigation data collected in the Yang Ling area, this paper analyzes the effect of micro-credit on the farmers' income in Yang Ling area by means of the multiple linear regression model. From the perspective of farmers in Yang Ling area, this paper analyzes and studies rural micro-credit in Yang Ling area, combining theory with practice, qualitative and quantitative methods, macro and micro perspectives. Based on the perspective of farmers' demand, the factors influencing farmers' demand for microfinance in Yang Ling area are explored. According to the income factors, the assumption of factors affecting the willingness of farmers to microfinance in Yang Ling area is put forward, and the direction of influencing factors hypothesis is put forward at the same time. Further, the binary logistic regression analysis was compared with the factor hypothesis and the hypothetical direction. Through the analysis of the results, reasonable explanation of the results of factors. Through the analysis of the actual data, the following conclusions are obtained: income, land area, education level of the farmers surveyed in Yang Ling area, whether or not they have been village cadres, and the burden on families, The willingness to purchase the means of production and the propaganda of financial policy have a significant influence on the demand of microfinance for farmers in Yang Ling area. Among them, the education level, the family burden, the village cadres, the willingness to buy the means of production and the financial policy propaganda have positive significance to the microfinance willingness of the investigated farmers in the Yang Ling area. Income and land area have a negative effect on the microfinance willingness of the investigated farmers in Yang Ling area. Finally, after analyzing the factors that affect the micro-credit of farmers investigated in Yang Ling area, this paper puts forward some practical suggestions to promote the development of micro-credit in Yang Ling.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

【参考文献】