本文關(guān)鍵詞：農(nóng)村消費(fèi)信貸的金融產(chǎn)品供給研究　出處：《中國(guó)海洋大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 消費(fèi)信貸 金融產(chǎn)品 信用體系 抵押擔(dān)保

【摘要】：隨著我國(guó)農(nóng)民收入的逐步提高，農(nóng)民有了更強(qiáng)的消費(fèi)意愿和消費(fèi)能力，實(shí)現(xiàn)這種意愿和能力的重要途徑是通過消費(fèi)信貸。消費(fèi)信貸對(duì)于擴(kuò)大我國(guó)農(nóng)村消費(fèi)市場(chǎng)、建設(shè)社會(huì)主義新農(nóng)村有著重要的意義。但是，我國(guó)農(nóng)村消費(fèi)信貸市場(chǎng)存在嚴(yán)重失靈。農(nóng)民有著強(qiáng)烈的意愿進(jìn)行消費(fèi)信貸，對(duì)消費(fèi)信貸有著很強(qiáng)的需求，而我國(guó)目前農(nóng)村地區(qū)的消費(fèi)信貸供給情況不容樂觀。數(shù)據(jù)顯示，正規(guī)金融機(jī)構(gòu)對(duì)農(nóng)村地區(qū)的消費(fèi)信貸供給缺口超過3萬(wàn)億元。如何增加農(nóng)村消費(fèi)信貸供給就成為亟待解決的問題。 論文主要采用了理論分析與實(shí)證分析相結(jié)合，定性分析與博弈論方法相結(jié)合的分析方法，將理論和實(shí)踐融為一體進(jìn)行討論。本文的研究目的在于通過分析農(nóng)村消費(fèi)信貸難的現(xiàn)狀，找出涉及農(nóng)村消費(fèi)信貸的金融產(chǎn)品供給不能滿足消費(fèi)信貸需求的原因，通過動(dòng)態(tài)博弈模型的分析，指出增加農(nóng)村消費(fèi)信貸的金融產(chǎn)品供給的路徑選擇。 本文首先在相關(guān)基礎(chǔ)理論的研究中，介紹了信貸相關(guān)的理論和金融產(chǎn)品涉及的理論。信貸相關(guān)理論包括消費(fèi)信貸理論，信貸配給理論以及信貸互聯(lián)理論。金融產(chǎn)品涉及的理論有信息不對(duì)稱理論，擔(dān)保貸款理論以及金融創(chuàng)新理論。在接下來(lái)的第二部分分析了我國(guó)農(nóng)村居民的收入增長(zhǎng)情況和農(nóng)村消費(fèi)信貸情況，指出農(nóng)村消費(fèi)信貸需求遠(yuǎn)不能得到滿足，并通過動(dòng)態(tài)博弈模型分析了消費(fèi)信貸金融產(chǎn)品供給不能滿足需求的原因，如農(nóng)村信用環(huán)境不佳，，擔(dān)保模式單一，產(chǎn)品種類缺乏等。第三部分對(duì)增加金融產(chǎn)品供給的路徑進(jìn)行了探討，包括改善農(nóng)村的信用生態(tài)環(huán)境，完善消費(fèi)信貸的擔(dān)保模式，并在此基礎(chǔ)上進(jìn)行產(chǎn)品種類的創(chuàng)新等。在探討了增加金融產(chǎn)品供給的路徑選擇之后，分析了兩個(gè)成功的涉及消費(fèi)信貸的金融產(chǎn)品，分別是山東壽光的農(nóng)地抵押貸款和江蘇泗洪的小額信用貸款，并對(duì)農(nóng)地抵押貸款進(jìn)行了制度經(jīng)濟(jì)學(xué)層面的分析。本文最后做了總結(jié)，并進(jìn)行了展望，隨著我國(guó)農(nóng)村金融生態(tài)環(huán)境的改善和相關(guān)金融產(chǎn)品的種類增加，我國(guó)農(nóng)村消費(fèi)信貸市場(chǎng)和城市消費(fèi)信貸市場(chǎng)最終會(huì)實(shí)現(xiàn)一體化。 最后本文得出的結(jié)論是要滿足我國(guó)農(nóng)村消費(fèi)信貸需求，必須采取一系列措施增加金融產(chǎn)品供給。農(nóng)村消費(fèi)信貸的金融產(chǎn)品供給的路徑是必須打造良好的農(nóng)村金融生態(tài)環(huán)境，構(gòu)建良好的信用體系；要進(jìn)行擔(dān)保模式的創(chuàng)新，在法律允許的范圍內(nèi)讓土地、林地等自由流轉(zhuǎn)；在此基礎(chǔ)上進(jìn)行金融產(chǎn)品種類的創(chuàng)新，滿足農(nóng)戶多元化的消費(fèi)信貸需要；同時(shí)還要改善農(nóng)村消費(fèi)信貸金融產(chǎn)品供給的外部環(huán)境。
[Abstract]:With the gradual increase of peasants' income in our country, the peasants have a stronger willingness of consumption and consumption ability, an important way to achieve this is through the willingness and ability of consumer credit. Consumer credit for the expansion of China's rural consumer market, has an important significance to the construction of new socialist countryside. However, there is a serious market failure in China's rural consumption credit. Farmers have strong willingness of consumer credit, there is a strong demand for consumer credit, while China's current consumer credit supply in rural areas is not optimistic. Data show that the formal financial institutions to the rural areas of consumer credit supply gap of more than 3 trillion yuan. How to increase the supply of rural consumption credit has become a serious to solve the problem.
This paper mainly adopts theoretical analysis and empirical analysis, analysis method of combining qualitative analysis and game theory, integration of theory and practice are discussed. The purpose of this study is through the analysis of current situation of rural consumption credit difficult, to find out the supply of financial products can not be involved in the rural consumer credit meet the demand for consumer credit. Through the analysis of dynamic game model, and points out the way to increase the rural consumer credit supply of financial products.
Based on the relevant theories, introduces the theory of financial products and credit related to the theory. The related theory of credit including consumer credit theory, credit rationing theory and credit theory. Internet financial products involved in the theory of information asymmetry theory, guarantee loan theory and financial innovation theory. The rural residents in China income growth and rural consumer credit situation analysis in the second part, pointed out that the demand of consumer credit in rural areas is far from satisfied, and through the dynamic game model to analyze the consumer credit supply of financial products can not meet the demand of the reasons, such as the rural poor credit environment, guarantee the products lack of single mode, etc. the third part discusses the path to increase the supply of financial products, including the improvement of the ecological environment of the rural credit guarantee mode, perfect consumer credit, and On the basis of the types of products innovation. After the discussion of choice of path to increase the supply of financial products, analysis of the two successful consumer credit relates to financial products, namely Shandong Shouguang and Jiangsu Sihong land mortgage loan micro credit loans, and mortgage loans are analyzed on farmland institutional economics. This paper finally summarized and prospected, along with the increase in the types of financial ecological environment in rural areas and improve the related financial products, China's rural consumer credit market and the city will eventually realize the integration of the consumer credit market.
Finally, the conclusion of this paper is to meet the demand of consumer credit in rural areas of our country, we must adopt a series of measures to increase the supply of financial products. The path of rural consumer credit supply of financial products is to create good rural financial ecological environment, build a good credit system; innovation to guarantee mode, let the land within the limits permitted by law in the free circulation of forest land; on the basis of the innovation of financial products, to meet the diversified needs of farmers consumption credit; and to improve the rural consumer credit supply of financial products in the external environment.

【學(xué)位授予單位】：中國(guó)海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.479

【參考文獻(xiàn)】

相關(guān)期刊論文 前7條

1 任建軍;;信貸配給理論發(fā)展、模型與實(shí)證研究[J];金融論壇;2009年04期

2 彭建平,溫嬌秀;制約我國(guó)農(nóng)村居民消費(fèi)信貸的原因及發(fā)展對(duì)策[J];湖南工程學(xué)院學(xué)報(bào)(社會(huì)科學(xué)版);2004年01期

3 楊志剛,沈來(lái)運(yùn);增強(qiáng)金融創(chuàng)新能力 拓寬農(nóng)信社資金使用渠道[J];黑龍江金融;2005年10期

4 朱信凱;劉剛;;二元金融體制與農(nóng)戶消費(fèi)信貸選擇——對(duì)合會(huì)的解釋與分析[J];經(jīng)濟(jì)研究;2009年02期

5 洪正;;新型農(nóng)村金融機(jī)構(gòu)改革可行嗎?——基于監(jiān)督效率視角的分析[J];經(jīng)濟(jì)研究;2011年02期

6 胡小良;;對(duì)農(nóng)村金融產(chǎn)品創(chuàng)新缺位的調(diào)查與思考[J];金融與經(jīng)濟(jì);2007年04期

7 吳典軍;張曉濤;;農(nóng)戶的信貸約束——基于684戶農(nóng)戶調(diào)查的實(shí)證研究[J];農(nóng)業(yè)技術(shù)經(jīng)濟(jì);2008年04期

本文編號(hào)：1362392