發(fā)布時間：2018-03-23 10:54

  本文選題：農(nóng)村金融　切入點：農(nóng)戶　出處：《安徽財經(jīng)大學》2017年碩士論文

【摘要】：隨著各項改革措施的推動,我國金融行業(yè)發(fā)展速度較快,金融領域結(jié)構(gòu)性改革也獲得了非凡成績。但農(nóng)村金融市場發(fā)展尚不完善,存在供給與需求不對等現(xiàn)象,諸多市場矛盾的存在導致居民的借貸需求不能夠完全得到滿足�，F(xiàn)有農(nóng)村金融體系里,突出現(xiàn)象是正規(guī)金融機構(gòu)與非正規(guī)金融機構(gòu)同時存在,而農(nóng)戶借貸最主要的滿足途徑是民間金融市場;因為相比于正規(guī)金融機構(gòu),非正規(guī)借貸方式更加強調(diào)社會關系這一因素,且借貸風險比較小。因此大多農(nóng)戶的借貸需求無法從正規(guī)金融機構(gòu)得到滿足,民間借貸市場卻發(fā)展的如火如荼,導致民間金融市場暴露出許多隱患,不僅對發(fā)展和完善我國農(nóng)村金融市場產(chǎn)生了影響,也阻礙了我國農(nóng)業(yè)供給側(cè)改革進程。隨著新型現(xiàn)代農(nóng)村建設以及城鎮(zhèn)化步伐的推進,農(nóng)村金融市場農(nóng)民借貸需求主體地位漸漸穩(wěn)固。研究農(nóng)戶借貸行為影響因素不僅對于緩解農(nóng)戶借貸需求得不到滿足現(xiàn)象有利,一定程度上可以促進農(nóng)村金融機構(gòu)的轉(zhuǎn)型升級和城鎮(zhèn)化的快速發(fā)展。農(nóng)村金融市場上農(nóng)戶的資金融通活動尤為重要,其行為特征受到各類因素的影響。其中包括外部環(huán)境因素和個體自身因素的作用,外界影響主要包括金融市場的發(fā)達程度、經(jīng)濟發(fā)展水平、金融政策等方面;金融市場發(fā)展越迅速,農(nóng)戶借貸的便利程度也會隨著政策的放開而增加,農(nóng)戶的借貸行為必然因此增多;另外,經(jīng)濟發(fā)展程度較高的地區(qū),經(jīng)濟結(jié)構(gòu)相對復雜,農(nóng)戶文化水平以及素養(yǎng)相比偏遠地區(qū)高,農(nóng)戶從事工作多樣化,投資與消費支出也呈現(xiàn)出逐步上升趨勢,因此其資金借貸活動也比較多。個體影響因素主要是從農(nóng)戶自身角度出發(fā),一般情況下,借貸行為會受到農(nóng)戶年齡、性別、家庭收入、消費支出結(jié)構(gòu)、耕地面積以及社會關系的影響,擁有不同特征的農(nóng)戶的借貸行為是有差異的,具體哪些因素才是影響我國農(nóng)村居民借貸行為的主要因素要根據(jù)該地區(qū)居民生產(chǎn)生活特征有針對性的進行分析。本文首先簡單闡述了農(nóng)業(yè)供給側(cè)改革現(xiàn)狀以及農(nóng)村借貸市場供給與需求,發(fā)現(xiàn)市場中存在供需矛盾,導致居民借貸需求不能滿足,并結(jié)合國家目前實施的農(nóng)業(yè)供給側(cè)結(jié)構(gòu)性改革措施分析其對農(nóng)村借貸市場的影響。進一步對皖北農(nóng)村地區(qū)家庭以問卷調(diào)查的方式,探究農(nóng)村居民借貸活動影響因素;以是否存在借貸行為當作因變量,以年齡、性別、婚姻狀況、受教育程度、耕地面積等10個因素設置成自變量,將整理所得數(shù)據(jù)運用二元選擇模型回歸分析,對農(nóng)戶借貸活動作用相對顯著的變量作出剖析。最后歸納本文給出結(jié)論,結(jié)合農(nóng)戶借貸行為存在的突出問題給出三個層次的建議,其中包括國家政策層面、金融機構(gòu)層面以及農(nóng)戶自身層面。
[Abstract]:With the promotion of various reform measures, China's financial industry is developing faster, and the structural reform of the financial sector has also made remarkable achievements. However, the development of the rural financial market is not perfect, and there is a phenomenon of unequal supply and demand. Because of the existence of many market contradictions, the residents' demand for loans and loans cannot be completely satisfied. In the existing rural financial system, the prominent phenomenon is that formal financial institutions and informal financial institutions exist at the same time. The most important way to satisfy farmers' borrowing is the private financial market. Compared with the formal financial institutions, informal lending methods place more emphasis on social relations. And the risk of borrowing is relatively small. Therefore, most farmers' lending needs cannot be satisfied by formal financial institutions, but the private lending market is developing in full swing, resulting in the exposure of many hidden dangers in the private financial market. It not only affects the development and perfection of rural financial market, but also hinders the process of agricultural supply-side reform. The principal position of farmers' loan demand in rural financial market is becoming more and more stable. It is beneficial to study the influencing factors of farmers' borrowing behavior to alleviate the phenomenon that farmers' loan demand is not satisfied. To a certain extent, it can promote the transformation and upgrading of rural financial institutions and the rapid development of urbanization. The behavioral characteristics are influenced by various factors, including external environmental factors and individual factors, which mainly include the developed degree of financial market, the level of economic development, the financial policy and so on. The faster the financial market develops, the more convenient it will be for farmers to borrow and borrow, which will inevitably increase as a result of the opening up of policies. In addition, in areas with higher economic development, the economic structure is relatively complex. Farmers' education level and literacy are higher than those in remote areas, farmers' work is diversified, and their investment and consumption expenditures are also showing a gradual upward trend. Therefore, its capital lending activities are also more. The individual influencing factors are mainly from the perspective of the farmers themselves. Generally speaking, the lending behavior will be affected by the farmers' age, gender, household income, consumption expenditure structure, The influence of cultivated land area and social relations, the farmers with different characteristics of the lending behavior is different, What factors are the main factors that affect the behavior of rural residents in our country should be analyzed according to the characteristics of production and life in this area. Firstly, this paper briefly expounds the current situation of agricultural supply-side reform and agriculture. Village loan market supply and demand, It was found that there was a contradiction between supply and demand in the market, which led to the inability of residents to meet their borrowing needs. Combining with the agricultural supply-side structural reform measures currently implemented by our country, this paper analyzes its influence on the rural loan market, and further investigates the influencing factors of the rural residents' lending activities by questionnaire to the families in rural areas of northern Anhui Province. With the existence of lending behavior as dependent variables, with age, sex, marital status, education, cultivated land and other 10 factors as independent variables, the collected data were analyzed by binary selection model regression analysis. Finally, this paper summarizes the conclusion and gives three levels of suggestions, including the national policy level, combined with the outstanding problems existing in the farmers' lending behavior. Financial institutions and farmers themselves.
【學位授予單位】：安徽財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.43

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