發(fā)布時間：2018-06-18 00:33

  本文選題：信息不對稱 + 信貸系統(tǒng)平臺��； 參考：《安徽農業(yè)大學》2012年碩士論文

【摘要】：“三農”問題貫穿我國經濟發(fā)展的始終,其基礎戰(zhàn)略性地位不言而喻。對該問題的重視,既是我國經濟長久穩(wěn)定發(fā)展的保障,更是夯實以內需拉動經濟增長的新模式的基礎。農民經濟收入增速慢是“三農”問題的核心,農村地區(qū)缺乏必要的金融支撐則是制約農村經濟發(fā)展及農民收入提高的主要因素。涉農小額信貸問題具體表現(xiàn)為農戶貸款難,涉農信貸資金外流嚴重等情況。于是,就產生了研究涉農小額信貸問題的成因及解決對策這—社會主義新農村建設過程中亟待解決的一個重要問題。 涉農小額信貸一直是我國農村金融的重要組成部分,隨著國家支農扶農政策力度的加強,近年來農戶貸款難這一現(xiàn)象有所好轉,但問題仍然存在。對于這個問題,國內外專家學者大多從金融抑制和金融深化的角度展開分析和探討,而本文認為農村涉農信貸市場中的信息不對稱現(xiàn)象是造成農戶貸款難問題的主因,金融機構和農戶作為農村金融市場中信貸資金的供需雙方,對彼此都存在著信息不對稱。一方面,農戶不能及時迅速地了解金融機構最新的涉農貸款業(yè)務,另一方面金融機構對農戶的還款能力等方面的信息缺乏必要的了解。在信息不對稱的逆向選擇效應和道德風險效應的作用下,很容易造成金融機構涉農貸款發(fā)放難、回收率低以及農戶貸款難等制約農村經濟發(fā)展和農戶貸款難等問題的產生。因此,本文選擇從信息經濟學角度入手,通過構建農戶信貸市場模型,分析涉農信貸市場中因信息不對稱產生的逆向選擇效應和道德風險效應,并在此基礎上分析農戶貸款難的具體成因以及具有針對性的對策建議。 本文認為對我國涉農小額信貸問題的研究,可以從信息不對稱理論的視角去展開,本文主要從以下五個部分展開研究思路： 第一部分,總體介紹本文的選題背景、研究內容及方法,同時綜述國內外學者對該問題的研究成果。 第二部分,對涉農小額信貸進行簡要概述,并分別對我國涉農信貸市場供需雙方進行需求預測,并借助現(xiàn)有的統(tǒng)計資料和調研數(shù)據(jù),剖析農戶貸款難問題的現(xiàn)狀及成因。 第三部分,基于信息不對稱理論建立我國涉農信貸市場模型,借由它詳細剖析涉農信貸市場中的逆向選擇和道德風險。 第四部分,針對農戶貸款難問題的現(xiàn)狀及成因提出解決對策：構建涉農信貸信息系統(tǒng)平臺和推廣小額信貸公司。 第五部分,結合我國現(xiàn)階段的具體國情提出一些與本文所提的兩種對策相適的政策建議,以期更好的解決農戶貸款難問題。 總之,本文認為從信息不對稱角度對我國涉農小額信貸問題展開研究分析并提出相應的對策建議,不僅具有較強的理論創(chuàng)新意義,而且對我國當前的農村金融改革以及社會主義新農村建設而言具有現(xiàn)實指導意義。
[Abstract]:The issue of agriculture, rural areas and farmers runs through the economic development of our country, and its basic strategic position is self-evident. Paying attention to this problem is not only the guarantee of the long-term and stable development of China's economy, but also the foundation of the new model of domestic demand driving economic growth. The slow growth rate of farmers' economic income is the core of the "three rural areas" problem, and the lack of necessary financial support in rural areas is the main factor that restricts the development of rural economy and the increase of farmers' income. The problems of agriculture-related microcredit are difficult for farmers and serious outflow of funds for agricultural credit. As a result, the research on the causes and countermeasures of the agricultural microfinance problem is an important problem to be solved in the process of the construction of the new socialist countryside. Agricultural microfinance has always been an important part of rural finance in China. With the strengthening of the national policy of supporting agriculture and agriculture, the phenomenon of farmers' loan difficulties has improved in recent years, but the problem still exists. Most experts and scholars at home and abroad analyze and discuss this problem from the angle of financial suppression and financial deepening, and this paper holds that the information asymmetry phenomenon in the rural agriculture-related credit market is the main cause of the problem of farmers' loan difficulties. As the supply and demand of credit funds in rural financial market, financial institutions and farmers have asymmetric information to each other. On the one hand, farmers can not understand the latest loan business of financial institutions in time, on the other hand, the financial institutions lack the necessary understanding of the farmers' repayment ability and other aspects of information. Under the influence of adverse selection effect and moral hazard effect of asymmetric information, it is easy to bring about the problems such as the difficulty of agricultural loan issuance by financial institutions, the low recovery rate and the difficulty of farmer's loan, etc., which restrict the development of rural economy and the difficulty of farmer's loan. Therefore, from the angle of information economics, this paper analyzes the adverse selection effect and moral hazard effect caused by asymmetric information in agricultural credit market through the construction of farmer credit market model. On this basis, the paper analyzes the specific causes of farmers' loan difficulties and relevant countermeasures. This paper holds that the research on the problem of agricultural microfinance in China can be carried out from the perspective of information asymmetry theory. This paper mainly starts from the following five parts: the first part, the overall introduction of the background of this paper, The research contents and methods are summarized, and the research results of domestic and foreign scholars on this issue are summarized. In the second part, the author gives a brief overview of agricultural microfinance, forecasts the demand of both supply and demand of agricultural credit market in China, and analyzes the present situation and causes of farmers' loan difficulties with the help of existing statistical data and investigation data. In the third part, the agricultural credit market model of our country is established based on the information asymmetry theory, by which the reverse selection and moral hazard in the agricultural credit market are analyzed in detail. In the fourth part, the author puts forward the countermeasures to solve the problem of farmers' loan difficulty: constructing the platform of agricultural credit information system and popularizing the micro-credit company. The fifth part, combined with the specific situation of our country at present, puts forward some policy suggestions suitable to the two countermeasures put forward in this paper, in order to better solve the problem of farmers' loan. In a word, this paper holds that the research and analysis of the problem of agricultural microfinance in China from the angle of information asymmetry, and the corresponding countermeasures and suggestions, are not only of great theoretical significance, but also of great significance. Moreover, it has practical guiding significance for the current rural financial reform and the construction of new socialist countryside.
【學位授予單位】：安徽農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.43

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本文編號：2033157