玛纳斯县农民创业信贷需求调查研究
发布时间：2018-11-11 14:27
【摘要】：近年来，农民创业广受关注，不仅解决农民就业，还促进了农村经济发展，对农业的发展也具有一定积极影响，农民创业对解决“三农问题”具有重要意义，它带动农村经济发展，缩小城乡差距，增加农民收入，改善农民生存生活环境，所以国家鼓励农民创业。然而创业不得不面临大量资金的投入，于是农民信贷需求继而成为焦点，农民创业信贷需求资金难满足已成为现实，如何改善金融环境，调整金融机构融合现代农民贷款需求，是本文研究重点。 本文主要从新疆玛纳斯县农民创业的现实状况入手，农民创业为主线，对大量的农民在农村创业的现象，导致信贷需求定义的概念的出现，然后从农民企业家的应用信用的调查，收入支出开始调查，对新疆玛纳斯县农民创业信贷需求进行调查研究，对现有的农民创业模式进行现状和发展空间等多层次的分析，寻找影响农民信贷需求供不应求的因素，从农民自身和金融机构环境等两个方面剖析产生这种不平衡的原因,并从政府、金融机构和农民自身等三个方面对农民创业信贷需求融资难进行归纳和总结。主要采用文献法，通过对CNKI学术期刊检索系统、石河子大学图书馆丰富的图书信息资源，尽可能多地参阅大量国内外相关文献，，丰富论文内容，为支持自己的观点获得有利的理论基础；问卷调查法，本研究以新疆玛纳斯县为样本，对其发放问卷300份，回收后，经过分析整理，对调查结果进行了统计和分析总结，对后面金融支持农民创业研究分析有一定支持作用；统计和定量分析方法，使用的调查数据，统计方法的应用，组织和分析数据，并在此基础上，看到了大量的以前的统计研究方法，从而保证研究的科学性和准确性。 最后，提出了解决农民创业融资难的建议，包括开展农民创业培训班，引导农民关注金融咨询；金融机构加强对内对外管制；国家政府为农民提供优惠创业贷款政策，改善农村创业环境等。最终，从农村长远发展和农民创业角度，对玛纳斯县农民创业信贷需求得出结论，并针对现状做出展望。
[Abstract]:In recent years, farmers' entrepreneurship has attracted a lot of attention. It not only solves the problem of farmers' employment, but also promotes the development of rural economy, and has a positive impact on the development of agriculture. It is of great significance to solve the "three rural problems". It promotes the development of rural economy, reduces the gap between urban and rural areas, increases the income of farmers, and improves the living environment of farmers, so the state encourages farmers to start a business. However, starting a business has to face a large amount of capital investment, so the farmers' credit demand has become the focus. It has become a reality that the farmers' credit demand is difficult to meet. How to improve the financial environment and adjust the financial institutions to integrate the modern farmers' loan needs. It is the focus of this paper. This paper mainly starts with the reality of farmers' entrepreneurship in Manas County, Xinjiang. The main line of farmers' entrepreneurship is the phenomenon of a large number of farmers' undertaking in rural areas, which leads to the emergence of the concept of definition of credit demand. Then, from the investigation of the applied credit of farmers' entrepreneurs, the investigation of income expenditure, the investigation and research on the credit demand of farmers' entrepreneurship in Manas County, Xinjiang, and the analysis of the current situation and development space of the existing mode of farmers' entrepreneurship, To find out the factors that affect the demand of farmers' credit exceeds supply, and analyze the causes of this imbalance from two aspects, such as farmers themselves and the environment of financial institutions, and from the government, Financial institutions and farmers themselves are difficult to sum up and sum up the financing difficulties of farmers' entrepreneurial credit demand. This article mainly adopts the literature method, through the CNKI academic periodical retrieval system, the Shihezi University library abundant book information resources, as many as possible consult the massive domestic and foreign related literature, enriches the thesis content, To gain a favorable theoretical basis to support one's point of view; In this study, 300 questionnaires were sent out to Manas County, Xinjiang. After collected, the survey results were analyzed and summarized. The research and analysis of financial support for farmers' entrepreneurship has some support role; Statistical and quantitative analysis methods, the survey data used, the application of statistical methods, the organization and analysis of data, and on this basis, see a large number of previous statistical research methods, so as to ensure the scientific nature and accuracy of the research. Finally, the paper puts forward some suggestions to solve the difficulties of farmers' venture financing, including developing training courses for farmers' entrepreneurship, guiding farmers to pay attention to financial consultation, strengthening financial institutions' internal and external control; The national government provides preferential loan policy for farmers to improve the rural entrepreneurial environment. Finally, from the perspective of rural long-term development and farmers' entrepreneurship, the paper draws a conclusion on the farmers' credit demand for entrepreneurship in Manas County, and makes a prospect for the present situation.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43
本文编号：2325113
[Abstract]:In recent years, farmers' entrepreneurship has attracted a lot of attention. It not only solves the problem of farmers' employment, but also promotes the development of rural economy, and has a positive impact on the development of agriculture. It is of great significance to solve the "three rural problems". It promotes the development of rural economy, reduces the gap between urban and rural areas, increases the income of farmers, and improves the living environment of farmers, so the state encourages farmers to start a business. However, starting a business has to face a large amount of capital investment, so the farmers' credit demand has become the focus. It has become a reality that the farmers' credit demand is difficult to meet. How to improve the financial environment and adjust the financial institutions to integrate the modern farmers' loan needs. It is the focus of this paper. This paper mainly starts with the reality of farmers' entrepreneurship in Manas County, Xinjiang. The main line of farmers' entrepreneurship is the phenomenon of a large number of farmers' undertaking in rural areas, which leads to the emergence of the concept of definition of credit demand. Then, from the investigation of the applied credit of farmers' entrepreneurs, the investigation of income expenditure, the investigation and research on the credit demand of farmers' entrepreneurship in Manas County, Xinjiang, and the analysis of the current situation and development space of the existing mode of farmers' entrepreneurship, To find out the factors that affect the demand of farmers' credit exceeds supply, and analyze the causes of this imbalance from two aspects, such as farmers themselves and the environment of financial institutions, and from the government, Financial institutions and farmers themselves are difficult to sum up and sum up the financing difficulties of farmers' entrepreneurial credit demand. This article mainly adopts the literature method, through the CNKI academic periodical retrieval system, the Shihezi University library abundant book information resources, as many as possible consult the massive domestic and foreign related literature, enriches the thesis content, To gain a favorable theoretical basis to support one's point of view; In this study, 300 questionnaires were sent out to Manas County, Xinjiang. After collected, the survey results were analyzed and summarized. The research and analysis of financial support for farmers' entrepreneurship has some support role; Statistical and quantitative analysis methods, the survey data used, the application of statistical methods, the organization and analysis of data, and on this basis, see a large number of previous statistical research methods, so as to ensure the scientific nature and accuracy of the research. Finally, the paper puts forward some suggestions to solve the difficulties of farmers' venture financing, including developing training courses for farmers' entrepreneurship, guiding farmers to pay attention to financial consultation, strengthening financial institutions' internal and external control; The national government provides preferential loan policy for farmers to improve the rural entrepreneurial environment. Finally, from the perspective of rural long-term development and farmers' entrepreneurship, the paper draws a conclusion on the farmers' credit demand for entrepreneurship in Manas County, and makes a prospect for the present situation.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43
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