本文關鍵詞：陜西省農(nóng)戶借貸行為比較研究　出處：《西北農(nóng)林科技大學》2012年博士論文　論文類型：學位論文

  更多相關文章： 農(nóng)戶 農(nóng)村金融 借貸行為 比較研究

【摘要】：隨著我國改革開放和經(jīng)濟的快速發(fā)展，“三農(nóng)”問題的日益嚴峻性和解決“三農(nóng)”發(fā)展問題的緊迫性不斷成為社會各界的普遍共識。農(nóng)村金融體系的建設和完善受經(jīng)濟社會發(fā)展水平的影響和制約外，還與“三農(nóng)”發(fā)展及其金融需求的特點密切相關。作為農(nóng)業(yè)和農(nóng)村經(jīng)濟發(fā)展中最基本單位的農(nóng)戶，既是農(nóng)村金融供給體系中的重要參與主體，也是對現(xiàn)有農(nóng)村金融制度完善與否的判斷者，還是發(fā)展農(nóng)村經(jīng)濟的貢獻者和受益者。因此，從農(nóng)戶需求的視角研究農(nóng)戶的金融需求、融資選擇的特點和差異性問題，對以農(nóng)戶需求為導向，調整和完善現(xiàn)有農(nóng)村金融市場體系，推進農(nóng)村金融創(chuàng)新，進而探索符合農(nóng)戶借貸需求特征的金融產(chǎn)品，對提高農(nóng)戶資金需求滿足程度，促進農(nóng)村經(jīng)濟社會全面發(fā)展具有重要意義。 位于我國西部地區(qū)的陜西省，其經(jīng)濟發(fā)展相對落后，且正處于傳統(tǒng)農(nóng)業(yè)向現(xiàn)代農(nóng)業(yè)轉型的過渡時期，，隨著勞動力、土地等生產(chǎn)要素的流動，農(nóng)戶專業(yè)化、兼業(yè)化和非農(nóng)化現(xiàn)象日漸明顯。因此把握好過渡時期農(nóng)戶借貸行為的特點和差異性，不僅能豐富和完善農(nóng)戶借貸問題的研究，而且為如何從農(nóng)戶需求層面探求欠發(fā)達地區(qū)農(nóng)戶分化過程中農(nóng)村金融供給存在的主要問題和面臨的發(fā)展機遇與挑戰(zhàn)提供一定的理論支持。 基于以上研究背景和現(xiàn)階段我國農(nóng)村發(fā)展的實際需要，本文以陜西省農(nóng)戶借貸行為的比較為研究對象，在深入農(nóng)戶調查的基礎上，通過運用多種統(tǒng)計分析方法比較分析陜西省農(nóng)戶借貸行為的差異性。本文首先對研究區(qū)域及樣本農(nóng)戶特征進行了分析，并在此基礎上分析了不同特征農(nóng)戶借貸需求行為、融資選擇以及農(nóng)戶對正規(guī)金融市場和非正規(guī)金融市場的選擇等的特點及差異性，并針對農(nóng)戶金融需求的分化現(xiàn)象，提出了整合各種涉農(nóng)金融服務信息，對農(nóng)戶借貸需求進行分類管理以及以農(nóng)戶借貸需求為導向，推動農(nóng)村金融創(chuàng)新，開發(fā)滿足農(nóng)戶需求的金融產(chǎn)品，優(yōu)化農(nóng)戶借貸行為推進農(nóng)戶經(jīng)濟社會發(fā)展的政策建議。 鑒于此，論文的主要研究內容如下： 第一章，導論。本章主要闡述選題的背景、意義、國內外研究現(xiàn)狀、論文的研究思路、采用的主要方法、數(shù)據(jù)來源以及論文研究可能的創(chuàng)新之處。 第二章，農(nóng)戶借貸行為相關理論基礎。結合農(nóng)戶行為、農(nóng)戶借貸等理論，分析了農(nóng)戶借貸行為差異的決定要素及現(xiàn)階段農(nóng)村金融供給的構成。 第三章，研究區(qū)域介紹及樣本特征分析。對研究區(qū)域及樣本農(nóng)戶的戶主特征、家庭特征、生產(chǎn)經(jīng)營特征、收支狀況及農(nóng)村金融供給市場特征等問題進行了分析，發(fā)現(xiàn)陜西省農(nóng)戶整體收入水平比較低，農(nóng)戶分化現(xiàn)象較為明顯。運用隨機前沿生產(chǎn)函數(shù)估計了陜西省農(nóng)戶生產(chǎn)技術效率以及不同特征變量對農(nóng)戶生產(chǎn)技術效率的影響。結果顯示，陜西省農(nóng)戶平均生產(chǎn)技術效率為68.1%，生產(chǎn)技術效率與戶主特征、勞動力和資金的投入方向（農(nóng)業(yè)領域和非農(nóng)業(yè)領域）以及農(nóng)戶所在地農(nóng)村金融市場環(huán)境等因素均顯著相關，且農(nóng)村金融市場便利程度的改善可有效提高農(nóng)戶的生產(chǎn)技術效率。 第四章，陜西省農(nóng)戶借貸需求行為比較實證分析。對農(nóng)戶的借貸需求行為的比較進行了實證分析，其中涉及農(nóng)戶是否有借貸需求、需求類型及需求額度。發(fā)現(xiàn)69.5%的農(nóng)戶存在金融需求，戶主特征、家庭特征、生產(chǎn)經(jīng)營特征、收支狀況以及農(nóng)村金融供給市場等五大類10個因素對農(nóng)戶的金融需求有顯著影響。農(nóng)戶的借貸需求類型中，生活消費型借貸在所有借貸需求中所占比例最高，達55.3%，其次是生產(chǎn)投資型借貸。戶主特征（年齡、性別、外出務工經(jīng)歷）、農(nóng)戶收入情況（收入水平、主要收入來源）、農(nóng)村金融市場環(huán)境特征等三大類七個因素對農(nóng)戶借貸需求類型的選擇有顯著影響。農(nóng)戶需求額度的比較中，農(nóng)戶的借貸額度以小額借貸為主，其中借貸需求額度在1萬元（含）以下的農(nóng)戶占有借貸需求農(nóng)戶總數(shù)的61.4%。戶主的受教育水平、農(nóng)戶收入水平和所在地到最近正規(guī)金融機構所需時間對農(nóng)戶借貸需求額度的選擇影響顯著。 第五章，陜西省農(nóng)戶融資選擇行為比較實證分析。對農(nóng)戶的融資選擇行為的比較進行了實證分析，其中包括農(nóng)戶對所期望的獲取資金的來源及對金融供給主體的認知。結果發(fā)現(xiàn)，農(nóng)戶主觀期望中仍以親朋好友間“互助性”的無息借貸為主，所占比例達受訪農(nóng)戶總數(shù)的八成以上。在有息借貸的選擇中，則愿意優(yōu)先選擇中國農(nóng)業(yè)銀行、農(nóng)村信用合作社等正規(guī)金融機構，農(nóng)戶對非正規(guī)農(nóng)村金融機構的選擇和參與均較少。農(nóng)戶對私人借貸在貸款的公平性、貸款期限、利率、手續(xù)、資金需求滿足程度等方面的滿意度高于其他借貸供給主體，而對正規(guī)金融機構在政策宣傳、服務態(tài)度等方面滿意度較高，對中國農(nóng)業(yè)銀行貸款政策、貸款期限方面的滿意度較高，農(nóng)戶對其他商業(yè)銀行的貸款額度、工作人員服務等方面滿意度較高。 第六章，正規(guī)農(nóng)村金融市場中農(nóng)戶融資路徑的比較實證分析。對農(nóng)戶在正規(guī)金融市場上的融資行為的比較進行了實證分析。農(nóng)戶對參與正規(guī)金融市場借貸有著很強的積極性，但從正規(guī)金融機構獲得貸款的比例較低、抵押品的缺失情況較為普遍。在現(xiàn)有利率下，不同特征的農(nóng)戶中，戶主特征（性別、外出務工經(jīng)歷）、家庭特征（勞動力平均年齡）、主要收入來源、農(nóng)村金融市場環(huán)境特征等對農(nóng)戶是否愿意從銀行借貸的選擇差異顯著。在從正規(guī)金融機構貸款中，對不同借貸用途的貸款，農(nóng)戶能接受的最高利率差異顯著。 第七章，非正規(guī)金融市場中農(nóng)戶融資路徑比較實證分析。對農(nóng)戶在非正規(guī)金融市場上的融資行為的比較進行了實證分析。從高利貸和私人放貸人那里有息借款的農(nóng)戶所占比例很低。農(nóng)戶選擇非正規(guī)金融借貸的原因主要是急用（快捷）、手續(xù)簡便、期限靈活、利率合適等。而選擇非正規(guī)借貸組織則是基于手續(xù)的方便快捷和貸款的可獲得性。農(nóng)戶向親朋好友借貸具有頻率高、額度小、可獲得性高、費用低的特點。農(nóng)戶從不同私人借貸供給處獲得借款的交易成本差異較大。 第八章，優(yōu)化農(nóng)戶借貸行為的政策建議。針對研究中發(fā)現(xiàn)的農(nóng)戶借貸行為的特點、差異性以及存在的問題，提出了構建農(nóng)村金融服務信息平臺，對農(nóng)戶借貸需求進行分類管理以及以農(nóng)戶借貸需求為導向推進農(nóng)村金融創(chuàng)新，優(yōu)化農(nóng)戶借貸行為的政策建議。 第九章，結束語。對論文的研究背景、主要研究發(fā)現(xiàn)、研究中存在的不足以及今后的研究展望進行了論述。
[Abstract]:With the rapid development of China's reform and opening up, the urgency of the problem is becoming increasingly serious and solve the "three rural" development issues continue to become the consensus of the community. The construction of the rural financial system and improve the influence of the level of economic and social development and constraints, but also the characteristics and development of "three agriculture" and the financial the demand is closely related. As the most basic unit of agricultural and rural economic development of farmers, is an important subject in the financial system in rural areas, but also on the existing rural financial system is perfect or not the judge, but also is the development of rural economic contribution and beneficiaries. Therefore, from the perspective of farmers financial demand the characteristics of the problem and the difference of the demand, the choice of financing, to farmers demand-oriented, adjust and perfect the existing rural financial market system, promote rural financial innovation, so as to probe It is of great significance to improve the satisfaction of farmers' demand for funds and promote the overall development of rural economy and society.
Located in the western region of China's Shaanxi Province, the economic development is relatively backward, and is in a transitional period, the transformation of traditional agriculture to modern agriculture with labor, land and other production factors flow, specialization of farmers and non-agricultural industry, and the phenomenon is becoming more and more obvious. So a good grasp of the characteristics and differences of borrowing behavior during the transition period of farmers of study can not only enrich and improve the rural credit problems, and provide theoretical support for the development of opportunities and challenges from the farmers' demand level to explore the main problems in the rural financial supply of farmers differentiation in developed region and face.
The actual needs of the rural development of our country above research background and stage based on the borrowing behavior of rural households in Shaanxi province is as the research object, on the basis of household survey, the difference by using various statistical analysis methods, comparative analysis of Shaanxi province rural household borrowing behavior. This paper begins with the analysis of the study area and sample farmers the characteristics, based on the analysis of the borrowing needs of the farmers behavior of different characteristics, characteristics and differences of financing options and farmers on the formal and informal financial market selection, and according to the financial needs of farmers differentiation phenomenon, put forward the integration of various agriculture related financial services information, the borrowing needs of the farmers and classified management the farmers borrowing demand, promote rural financial innovation, the development of financial products to meet the needs of farmers, promote agricultural optimization of rural household borrowing behavior Policy proposals for the economic and social development of households.
In view of this, the main contents of this paper are as follows:
The first chapter is introduction. This chapter mainly expounds the background and significance of the topic selection, the research status at home and abroad, the research ideas, main methods, data sources and possible innovations of the paper.
The second chapter is about the theoretical basis of farmers' borrowing and lending behavior. Based on Farmers' behavior and farmers' borrowing theory, this paper analyzes the determinants of farmers' lending behavior differences and the composition of rural financial supply at the present stage.
The third chapter, analysis of regional and sample characteristics. The family characteristics of the study area and household characteristics, sample farmers, production characteristics, balance of payments and the supply of rural financial market characteristics are analyzed, found that the overall level of income of farmers in Shaanxi province is relatively low, the rural household differentiation phenomenon is more obvious. Using stochastic frontier production function estimation the impact of technical efficiency of farmers' production in Shaanxi province and different characteristics of technical efficiency of farmers' production. The results showed that farmers in Shaanxi province average technical efficiency is 68.1%, the production technical efficiency and the head of household characteristics, the direction of investment of labour and capital (agriculture and non agriculture and farmers) located in rural financial market environment and other factors significant correlation, and the rural financial convenience improvement can effectively improve the production efficiency of farmers.
The fourth chapter, analysis of Shaanxi Province farmers borrowing demand behavior. Empirical comparison of loan demand on the behavior of farmers through the empirical analysis, which relates to whether farmers borrowing needs, the demand amount of demand. And found that there are types of financial demand, 69.5% of the head of household characteristics, family characteristics, production characteristics, has a significant impact on the financial demand households' balance of payments and the supply of rural financial market and other five major categories of 10 factors. The borrowing needs of farmers in consumer lending in all loan demand in the highest proportion, up to 55.3% times, which is the production of investment lending. (age, gender, household characteristics of migrant workers, farmers income) (the level of income, the main source of income), rural financial market features such as the three major categories of seven factors have significant influence on the type of the borrowing needs of the farmers. The farmers demand amount of comparison In the household borrowing amount to small loans, the loan demand in the amount of 10 thousand yuan (including) the following farmer occupies total household demand for borrowing 61.4%. household education level, income level and location to the nearest time required for formal financial institutions borrowing demand amount of positive influence.
The fifth chapter, Shaanxi Province farmers' financing choice behavior an empirical analysis. Comparison of farmers' financing behavior were analyzed, including the source of funds for farmers to obtain the desired and the cognition of the subject of financial supply. The results showed that farmers' subjective expectation is based on "mutual friends" without interest lending, the proportion of the total number of households surveyed more than 80%. In the choice of interest lending, are willing to give priority to the Agricultural Bank Chinese, rural credit cooperatives and other formal financial institutions, and participation of farmers on the non formal financial institutions in rural areas are less. The choice of farmers on private lending in the fairness of the loan the term, interest rates, procedures, funds to meet the needs of the degree of satisfaction is higher than other loan supply main body, and the formal financial institutions on policy advocacy, service attitude and high satisfaction It has a higher degree of satisfaction with the Agricultural Bank of China's loan policy and loan maturity. Farmers have higher satisfaction with other commercial banks' loan quota and staff services.
The sixth chapter, an empirical analysis and comparison of farmers' financing path of formal rural financial market. Compared to the financing behavior of rural households in the formal financial market by empirical analysis. The farmers have a strong enthusiasm for participation in the formal financial market borrowing, but from the formal financial institutions to obtain loans is relatively low, lack of collateral is more common. In the existing rates, different characteristics of households, household characteristics (gender, migrant workers experience), family characteristics (the average age of labor), the main source of income, the rural financial market environment characteristics on Farmers' willingness to borrow from banks selecting significant differences. In loans from formal financial institutions, for different loan applications and loans, the highest interest rate difference between farmers can accept significantly.
The seventh chapter, analysis of farmers' financing path empirical comparison of informal financial market. In comparison to the financing behavior of rural households in the informal financial market on the empirical analysis of the private lending and usury. From the people there interest farmers low proportion. Farmers choose non formal financial reasons borrowing is mainly urgently (Kuai Jie), the procedure is simple, flexible term, interest rates and the choice of appropriate. The informal lending organization is convenient procedures for Kuai Jie and the availability of loans to farmers to relatives and friends. Based on borrowing has the advantages of high frequency, small amount, high availability, low cost. Farmers from different private lending supply for differences the loan transaction cost greatly.
The eighth chapter, the optimization of household borrowing policy suggestions. According to the characteristics of the behavior of farmers borrowing found in the study of the differences and problems, put forward the construction of information platform for rural financial services, the borrowing needs of the farmers classified management and farmers borrowing demand of rural financial innovation, optimize the farmers borrowing policy recommendations.
The ninth chapter, the end of the study, the research background of the paper, the main research findings, the shortcomings of the research and future research prospects are discussed.

【學位授予單位】：西北農(nóng)林科技大學
【學位級別】：博士
【學位授予年份】：2012
【分類號】：F832.479

【參考文獻】

相關期刊論文 前10條

1 王麗萍;李平;霍學喜;;論非農(nóng)化進程的農(nóng)戶借貸行為[J];重慶大學學報(社會科學版);2006年04期

2 李延敏;;不同類型農(nóng)戶借貸行為特征[J];財經(jīng)科學;2008年07期

3 王麗萍;李平;霍學喜;;西部地區(qū)農(nóng)戶借貸行為分析——基于陜西248家農(nóng)戶的調查與思考[J];電子科技大學學報(社科版);2007年01期

4 蔣乃華,封進;農(nóng)村城市化進程中的農(nóng)民意愿考察——對江蘇的實證分析[J];管理世界;2002年02期

5 汪婉莉;楊林娟;;甘肅省農(nóng)戶借貸行為的實證研究[J];甘肅農(nóng)業(yè)大學學報;2008年03期

6 楊林娟;張軍;汪婉莉;柴洪;;甘肅省農(nóng)戶資金借貸實證分析[J];華東經(jīng)濟管理;2008年10期

7 李延敏;宋增芬;;當前農(nóng)戶借貸需求特征變化之分析[J];海南金融;2010年04期

8 黎紅梅;許潔;;湖南農(nóng)戶借貸行為的調查與剖析——以臨澧縣為例[J];湖湘論壇;2008年03期

9 陸建康;呂美曄;周曙東;;糧食綜合生產(chǎn)能力支持與保護政策實施對農(nóng)戶的影響研究——以江蘇省為例[J];江蘇社會科學;2006年03期

10 宮建強;張兵;;農(nóng)戶借貸對其收入影響的實證分析——基于江蘇農(nóng)戶調查的經(jīng)驗數(shù)據(jù)[J];江蘇社會科學;2008年03期

相關博士學位論文 前6條

1 李延敏;中國農(nóng)戶借貸行為研究[D];西北農(nóng)林科技大學;2005年

2 劉克春;農(nóng)戶農(nóng)地流轉決策行為研究[D];浙江大學;2006年

3 劉西川;貧困地區(qū)農(nóng)戶的信貸需求與信貸約束[D];浙江大學;2007年

4 黃曉紅;農(nóng)戶借貸中的聲譽作用機制研究[D];浙江大學;2009年

5 王學忠;新型農(nóng)村金融機構市場準入法律制度研究[D];安徽大學;2010年

6 孫巖;中國農(nóng)村非正規(guī)金融演進研究[D];遼寧大學;2010年

相關碩士學位論文 前4條

1 張穎;農(nóng)戶借貸行為與農(nóng)村金融支持研究[D];上海交通大學;2007年

2 劉慶豐;貧困農(nóng)戶的借貸行為研究[D];貴州大學;2007年

3 李盼盼;山東省外出務工農(nóng)戶借貸行為研究[D];中國海洋大學;2008年

4 黃薇;武漢市先建村農(nóng)戶民間借貸研究[D];華中農(nóng)業(yè)大學;2008年

本文編號：1356934