【摘要】：農(nóng)村金融作為解決農(nóng)村經(jīng)濟發(fā)展的一個至關重要的環(huán)節(jié),良好金融環(huán)境是農(nóng)村經(jīng)濟發(fā)展的一個重要因素。經(jīng)過多年的改革與發(fā)展,我國當前農(nóng)村基本形成了政策性金融、商業(yè)金融與合作金融合作分工的金融體系,但是商業(yè)金融正在“逃離”農(nóng)村市場,政策性金融對農(nóng)村經(jīng)濟發(fā)展的扶持能力依然較弱,合作金融作為農(nóng)戶獲取金融服務與支持的主要方式也存在了許多問題,阻礙了農(nóng)村經(jīng)濟的發(fā)展。文章從農(nóng)戶視角入手,首先對農(nóng)戶金融合作意愿相關的文獻進行了梳理,并闡述了與之相關的概念及理論基礎。其次以農(nóng)村信用合作社、農(nóng)村基金會以及農(nóng)村資金互助社三個正規(guī)金融組織為例分析了我國農(nóng)村合作金融的發(fā)展狀況,并分析了合作金融的比較優(yōu)勢和價值及意義；然后分析了農(nóng)戶的金融合作意愿的狀況,發(fā)現(xiàn)農(nóng)戶的金融合作意愿不高,進而從金融合作組織、農(nóng)戶個人、政府機構三個方面分析了農(nóng)戶金融合作意愿不高的原因。再者,文章利用計量方法實證分析了影響農(nóng)戶金融合作意愿的因素,發(fā)現(xiàn)農(nóng)戶的性別、文化程度、金融機構的貸款經(jīng)歷、對合作組織的認知以及合作社的活躍程度5個因素對農(nóng)戶金融合作的意愿影響顯著。最后,根據(jù)上文的研究結論提出了六個方面的政策建議：(1)強化信用社等組織金融合作的功能,防止其功能異化;(2)加強政策性金融對農(nóng)村金融合作的支持；(3)制定完善合作金融的法律法規(guī),為金融合作正名；(4)積極開展農(nóng)戶教育培訓,提高農(nóng)戶文化水平；(5)加大金融合作的宣傳工作,提高農(nóng)戶認知水平與金融合作能力;(6)做好合作社等組織監(jiān)管與考核工作,發(fā)揮其金融合作功能。
[Abstract]:Rural finance is a crucial link to solve the problem of rural economic development, and a good financial environment is an important factor in rural economic development. After many years of reform and development, China's current rural areas have basically formed a policy finance, commercial finance and cooperative financial cooperation and division of labor financial system, but commercial finance is "escaping" the rural market, The support ability of policy-oriented finance to rural economic development is still weak, and cooperative finance, as the main way for farmers to obtain financial services and support, also has many problems, which hinders the development of rural economy. Starting from the perspective of farmers, this paper firstly combs the relevant literature on farmers' willingness to cooperate in finance, and expounds the related concepts and theoretical basis. Secondly, taking the rural credit cooperatives, rural foundations and rural mutual funds as an example, the paper analyzes the development of rural cooperative finance in China, and analyzes the comparative advantages, value and significance of cooperative finance. Then it analyzes the situation of farmers' willingness to cooperate in finance, finds that the willingness of financial cooperation is not high, and then analyzes the reasons for the low willingness of financial cooperation of farmers from three aspects: financial cooperation organization, individual farmers and government agencies. Furthermore, the paper empirically analyzes the factors that affect farmers' willingness to cooperate in finance by means of econometric methods, and finds out that farmers' gender, education level and loan experience of financial institutions. The cognition of cooperative organization and the active degree of cooperatives have significant influence on farmers' willingness to cooperate in finance. Finally, according to the research conclusions above, six policy recommendations are put forward: (1) strengthening the function of credit cooperatives and other organizations' financial cooperation, preventing its function alienation, (2) strengthening the support of policy finance to rural financial cooperation; (3) to make laws and regulations to perfect cooperative finance, to correct the name of financial cooperation, (4) to actively carry out peasant household education and training, and to improve farmers' cultural level; (5) strengthen the propaganda of financial cooperation, improve farmers' cognitive level and ability of financial cooperation, (6) do well the supervision and assessment work of cooperatives and other organizations, and give full play to their function of financial cooperation.
【學位授予單位】：湖南農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.35

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