本文關(guān)鍵詞： 農(nóng)戶小額信貸 利率 貸款機(jī)構(gòu) 議價(jià)能力 政府行為　出處：《山東農(nóng)業(yè)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：對(duì)小額信貸利率的討論一直伴隨著小額信貸的發(fā)展。2004年,我國(guó)開(kāi)始進(jìn)行利率市場(chǎng)化改革,國(guó)家貸款利率上限逐步放開(kāi)。城鄉(xiāng)商業(yè)銀行、郵儲(chǔ)銀行、農(nóng)村信用社及小額信貸公司的貸款利率的確定雖然仍在政府的管制范圍之內(nèi),但已經(jīng)逐步邁入市場(chǎng)化行列。2010年10月,印度安德拉邦爆發(fā)了嚴(yán)重的小額信貸危機(jī)。這次事件,使一路高歌猛進(jìn)的小額信貸利率市場(chǎng)化再次遭到質(zhì)疑,也由此引發(fā)了小額信貸利率的又一次大討論。本文在此研究背景下,綜合了機(jī)構(gòu)、農(nóng)戶和政府角度,通過(guò)分析三者之間的相互關(guān)系和相互作用,研究確定農(nóng)戶小額信貸利率問(wèn)題。本論文通過(guò)介紹國(guó)內(nèi)外關(guān)于小額信貸利率確定的模型,總結(jié)出了在一定條件下,小額信貸機(jī)構(gòu)的可持續(xù)利率是由機(jī)構(gòu)貸款本金決定的;其次研究了目前小額信貸利率的定價(jià)方式、小額信貸利率定價(jià)類型,分析了農(nóng)戶小額信貸利率水平執(zhí)行情況;通過(guò)研究影響農(nóng)戶貸款選擇方面已有的文獻(xiàn)資料、農(nóng)戶利率敏感度和農(nóng)戶相對(duì)議價(jià)能力等內(nèi)容,探討在目前的中國(guó)農(nóng)村借貸市場(chǎng)上農(nóng)戶的議價(jià)能力,得出了目前的環(huán)境下,農(nóng)戶在借貸市場(chǎng)上幾乎沒(méi)有議價(jià)能力結(jié)論;從政府角度介紹了外國(guó)政府在農(nóng)村金融中的政策和經(jīng)驗(yàn)、中國(guó)政府對(duì)小額信貸利率進(jìn)行管制的做法,并分析了小額信貸利率政府進(jìn)行管制的必要性。本論文最后分析了貸款機(jī)構(gòu)、農(nóng)戶和政府三者之間的關(guān)系和作用,得出結(jié)論并給出了相關(guān)建議,主要包括:政府或國(guó)家政策性銀行成立專項(xiàng)小額信貸資金,允許符合條件的小額信貸機(jī)構(gòu)吸納存款或者通過(guò)會(huì)員入股以及設(shè)立專業(yè)的、針對(duì)小額信貸機(jī)構(gòu)的貸款批發(fā)機(jī)構(gòu)等措施緩解小額信貸機(jī)構(gòu)貸款本金不足的問(wèn)題,使小額信貸機(jī)構(gòu)更健康、穩(wěn)定的發(fā)展,以達(dá)到更好的為農(nóng)戶服務(wù)的目的。
[Abstract]:In 2004, our country began to carry on the interest rate marketization reform, the national loan interest rate limit gradually liberalized. Urban and rural commercial banks, postal savings bank, Although the interest rates of rural credit unions and microfinance companies are still under government control, they have gradually entered the market. On October 2010, a serious microfinance crisis broke out in the Indian state of Andhra Pradesh. This time, The marketization of microfinance interest rate is questioned again, which leads to another big discussion of microfinance interest rate. In this research background, this paper synthesizes the perspectives of institutions, farmers and government. Through the analysis of the relationship and interaction among the three, this paper studies the problem of determining the micro-credit interest rate of farmers. This paper introduces the domestic and foreign models of determining the micro-credit interest rate, and concludes that under certain conditions, The sustainable interest rate of microfinance institution is determined by the principal of the institution loan. Secondly, the pricing mode, the pricing type of the microfinance interest rate and the implementation of the level of the micro-credit interest rate are analyzed. Based on the study of the literature, the sensitivity of farmers' interest rate and the relative bargaining power of farmers, this paper discusses the bargaining power of farmers in the current Chinese rural loan market, and draws the conclusion of the present environment. Farmers have little bargaining power in the lending market. From the government's point of view, this paper introduces the policies and experiences of foreign governments in rural finance, and the Chinese government's practice of controlling microcredit interest rates. Finally, this paper analyzes the relationship and function among loan institutions, farmers and the government, draws a conclusion and gives some relevant suggestions. Mainly including: the government or the state policy banks set up special micro-credit funds, allowing eligible micro-credit institutions to take deposits or enter shares through their members, as well as to set up specialized ones, Some measures, such as the loan wholesale organization of the microfinance institution, can alleviate the problem of insufficient loan principal of the microfinance institution, and make the microfinance institution develop healthily and stably, so as to serve the farmers better.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.43

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