本文關(guān)鍵詞：廣西農(nóng)戶借貸行為實(shí)證分析　出處：《華南理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)戶借貸需求 正規(guī)與非正規(guī)金融 金融抑制 金融改革

【摘要】：我國(guó)農(nóng)村金融的改革不是以農(nóng)村金融需求為主導(dǎo)的發(fā)展模式，而是形成了金融機(jī)構(gòu)各利益群體之爭(zhēng)的格局。改革成效不大，農(nóng)村金融需求抑制嚴(yán)重，農(nóng)村正規(guī)金融供需缺口大，農(nóng)戶借貸需求是通過(guò)民間借貸渠道獲得滿足。非正規(guī)金融具有強(qiáng)調(diào)地緣、血緣等社會(huì)關(guān)系的特點(diǎn)，較于正規(guī)金融具有信息對(duì)稱、低風(fēng)險(xiǎn)及借貸手續(xù)簡(jiǎn)便成本低等優(yōu)點(diǎn)，能有效地配置資金，協(xié)調(diào)有大量閑置資金的農(nóng)戶與資金緊缺農(nóng)戶之間的資金配置關(guān)系，解決部分農(nóng)戶融資難、資本配置錯(cuò)位的矛盾，并滿足農(nóng)戶的借貸資金需求，對(duì)農(nóng)村經(jīng)濟(jì)發(fā)展有不小貢獻(xiàn)。但其存在內(nèi)部管理不規(guī)范，缺乏監(jiān)管與法律保障等問(wèn)題，易引發(fā)經(jīng)濟(jì)糾紛甚至爆發(fā)金融風(fēng)險(xiǎn)。本文認(rèn)為，農(nóng)村社區(qū)延續(xù)時(shí)間長(zhǎng)，居住家庭相對(duì)穩(wěn)定，村民間的熟悉程度、信息對(duì)稱遠(yuǎn)高于正規(guī)金融機(jī)構(gòu)對(duì)村民的了解，民間借貸是影響農(nóng)戶借貸需求的重要因素之一。 現(xiàn)階段，隨著農(nóng)村居民收入與生活水平的提高，農(nóng)村居民除了日常的消費(fèi)支出需求外，在經(jīng)商投資、買房建房等支出上具有很強(qiáng)的資金需求。在資金需求較大而正規(guī)金融有效供給有限的情況下，，很長(zhǎng)一段時(shí)間，農(nóng)村居民借貸需求的滿足往往是依賴于親戚朋友的民間渠道，存在較大的民間借貸需求。毫無(wú)疑問(wèn)，構(gòu)建正規(guī)金融與非正規(guī)金融的合作機(jī)制，是有效滿足農(nóng)村居民借貸需求的重要保障，而了解影響農(nóng)戶借貸行為及其金融需求的影響因素則顯得尤為必要。 推進(jìn)農(nóng)村金融改革，建立現(xiàn)代農(nóng)村金融制度離不開對(duì)農(nóng)村金融需求主體 農(nóng)戶的借貸需求及其影響因素的研究。本文基于對(duì)廣西515個(gè)農(nóng)戶的實(shí)地調(diào)查數(shù)據(jù)，用Logistics模型分析了影響農(nóng)戶借貸需求的因素，并通過(guò)比較分析研究了正規(guī)金融與非正規(guī)金融的異同及形成差異的原因。結(jié)果表明，農(nóng)戶的自身特征、經(jīng)濟(jì)特征對(duì)農(nóng)戶借貸需求及其借貸渠道的選擇行為有著不同的影響，并存在一定的金融抑制現(xiàn)象。本文在對(duì)農(nóng)戶借貸行為分析的基礎(chǔ)上，提出滿足農(nóng)戶金融需求的金融服務(wù)創(chuàng)新及深化廣西農(nóng)村金融改革的政策建議，促進(jìn)農(nóng)村非正規(guī)金融與正規(guī)金融二者和諧發(fā)展。
[Abstract]:The reform of rural finance in our country is not based on the rural financial demand as the dominant development mode , but it has formed the competitive pattern of the interests of the financial institutions . The reform is not big , the rural financial demand is restrained seriously , the rural formal financial supply and demand gap is big , the farmer ' s credit demand is not small contribution to the rural economic development . At the present stage , with the increase of rural residents ' income and living standard , the rural residents have strong financial needs in terms of their daily consumption expenditure . In the case of limited fund demand and limited formal finance supply , the satisfaction of the rural residents ' lending needs is often dependent on the folk channels of relatives and friends , and there is a large demand for private borrowing . There is no doubt that the establishment of the cooperation mechanism between formal financial and informal finance is an important guarantee for effectively meeting the demand of rural residents ' lending and borrowing , and it is especially necessary to understand the influencing factors that affect the lending behavior of rural households and their financial needs .

鎺ㄨ繘鍐滄潙閲戣瀺鏀歸潻,寤虹珛鐜頒唬鍐滄潙閲戣瀺鍒跺害紱諱笉寮

本文編號(hào)：1359246