【摘要】：隨著農(nóng)村經(jīng)濟(jì)發(fā)展的需要,農(nóng)戶需要的資金越來(lái)越多,但是農(nóng)戶的自有資金卻無(wú)法滿足這一資金需求,而且大多數(shù)農(nóng)戶也無(wú)法從相關(guān)的金融借貸機(jī)構(gòu)借貸出自己需求的資金數(shù)量,這樣就導(dǎo)致了廣大農(nóng)戶借貸資金供求失衡。若要解決這一失衡,一是要想方設(shè)法提高農(nóng)戶的自有資金;二是要改善金融借貸機(jī)構(gòu)與農(nóng)戶之間的借貸模式。本論文主要探討的是第二個(gè)方面,即農(nóng)戶借貸模式的轉(zhuǎn)型研究。在轉(zhuǎn)型過(guò)程中,我們不僅要從金融借貸機(jī)構(gòu)入手,也要從農(nóng)戶自身狀況及借貸特征入手,對(duì)兩者同時(shí)進(jìn)行研究,找出彼此的契合點(diǎn),才能有效的解決農(nóng)戶借貸難的問(wèn)題。與此同時(shí),互聯(lián)網(wǎng)逐漸進(jìn)入人們的視野,與人們的生活越來(lái)越緊密。我們要解決農(nóng)戶借貸的難題還必須要緊隨時(shí)代潮流,與先進(jìn)的互聯(lián)網(wǎng)技術(shù)結(jié)合起來(lái),碰撞出不一樣的火花。從去年以來(lái),“互聯(lián)網(wǎng)+金融”越來(lái)越熱,傳統(tǒng)的金融與互聯(lián)網(wǎng)相結(jié)合,形成金融互聯(lián)網(wǎng),互聯(lián)網(wǎng)與金融相結(jié)合,形成互聯(lián)網(wǎng)金融。無(wú)論是金融互聯(lián)網(wǎng)還是互聯(lián)網(wǎng)金融,都對(duì)人們的借貸行為產(chǎn)生或多或少的影響。本文就是在互聯(lián)網(wǎng)時(shí)代的大背景之下,研究農(nóng)戶借貸模式的轉(zhuǎn)型,以此解決農(nóng)戶借貸難的問(wèn)題�；谝陨涎芯勘尘�,本文首先從傳統(tǒng)金融借貸機(jī)構(gòu)、互聯(lián)網(wǎng)金融借貸機(jī)構(gòu)、農(nóng)戶自身狀況及借貸特征三個(gè)方面分析了我國(guó)農(nóng)戶借貸模式的現(xiàn)狀與存在的問(wèn)題;接著在分析傳統(tǒng)金融借貸機(jī)構(gòu)與互聯(lián)網(wǎng)金融借貸機(jī)構(gòu)的優(yōu)劣勢(shì)的基礎(chǔ)上,分析了當(dāng)前農(nóng)戶借貸模式轉(zhuǎn)型的動(dòng)因、目標(biāo)和途徑;然后初步擬定了互聯(lián)網(wǎng)時(shí)代農(nóng)戶借貸模式的整體架構(gòu),包含傳統(tǒng)金融借貸機(jī)構(gòu)、互聯(lián)網(wǎng)金融借貸機(jī)構(gòu)、其他金融機(jī)構(gòu)(保險(xiǎn)、擔(dān)保公司等)三個(gè)子系統(tǒng),該新模式以傳統(tǒng)金融借貸機(jī)構(gòu)為主,以互聯(lián)網(wǎng)金融借貸機(jī)構(gòu)為補(bǔ)充,以其他金融借貸機(jī)構(gòu)為輔助;最后提出我國(guó)互聯(lián)網(wǎng)時(shí)代農(nóng)戶借貸模式轉(zhuǎn)型的相關(guān)對(duì)策建議。本文探討的互聯(lián)網(wǎng)時(shí)代農(nóng)戶借貸模式轉(zhuǎn)型并不是將傳統(tǒng)金融借貸模式轉(zhuǎn)型為新型的互聯(lián)網(wǎng)借貸模式,而是將二者結(jié)合起來(lái),取長(zhǎng)補(bǔ)短,實(shí)現(xiàn)雙贏。本文存在很多不足之處。在構(gòu)思文章結(jié)構(gòu)之前,我查閱了大量文獻(xiàn),雖然有關(guān)于農(nóng)戶借貸行為、農(nóng)戶借貸福利等方面的研究很多,但是關(guān)于農(nóng)戶借貸模式方面的研究現(xiàn)在還沒(méi)有,更別說(shuō)互聯(lián)網(wǎng)時(shí)代下的農(nóng)戶借貸模式研究,這給文章的構(gòu)思帶來(lái)極大的挑戰(zhàn)。另外,加上自己知識(shí)的局限性,導(dǎo)致本文存在很多缺陷。
[Abstract]:With the development of rural economy, farmers need more and more funds, but their own funds can not meet this demand. Moreover, most farmers are unable to borrow the amount of funds they need from the relevant financial lending institutions, which leads to the imbalance between the supply and demand of loan funds for the vast number of farmers. If we want to solve this imbalance, we must try our best to raise the farmers' own funds, and the other is to improve the lending pattern between the financial lending institutions and the farmers. This paper mainly discusses the second aspect, that is, the transformation of farmers'loan mode. In the process of transformation, we should not only start from the financial lending institutions, but also from the farmers' own conditions and lending characteristics, study the two at the same time, find out the common points of each other, in order to effectively solve the problem of farmers' borrowing difficulties. At the same time, the Internet gradually enters the people's vision, and people's life more and more closely. If we want to solve the problem of farmers' borrowing, we must follow the trend of the times, combine with advanced Internet technology, and collide with different sparks. Since last year, "Internet finance" has become more and more hot. The combination of traditional finance and the Internet has formed the financial Internet, the Internet and the financial combination, forming the Internet finance. Both financial internet and internet finance have more or less influence on people's lending behavior. Under the background of the Internet era, this paper studies the transformation of farmers' lending mode to solve the problem of farmers' borrowing difficulties. Based on the above research background, this paper first from the traditional financial lending institutions, Internet financial lending institutions, farmers' own conditions and lending characteristics of the three aspects of the analysis of the current situation and existing problems; Then, on the basis of analyzing the advantages and disadvantages of traditional financial lending institutions and Internet financial lending institutions, this paper analyzes the reasons, objectives and approaches of the transformation of farmers' lending mode. Then, the overall framework of peasant household lending model in the Internet era is preliminarily drawn up, which includes three subsystems: traditional financial lending institutions, Internet financial lending institutions, and other financial institutions (insurance, guarantee companies, etc.). The new model is based on traditional financial lending institutions, supplemented by Internet financial lending institutions and supplemented by other financial lending institutions. Finally, the paper puts forward the relevant countermeasures and suggestions on the transformation of peasant household loan mode in the Internet era. The transformation of farmers' loan mode in the Internet era is not to transform the traditional financial lending model into a new type of Internet lending mode, but to combine the two models to make up for each other's weakness and achieve a win-win situation. There are many shortcomings in this paper. Before I conceived the structure of the article, I looked up a lot of literature. Although there are a lot of studies on the behavior of farmers' borrowing and the welfare of farmers' borrowing, but there is no research on the mode of farmers' borrowing. Not to mention the research of farmers' loan mode in the internet age, which brings great challenge to the conception of this article. In addition, with the limitations of their own knowledge, there are many defects in this paper.
【學(xué)位授予單位】：西華大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 聶建平;;商洛市商南縣城關(guān)鎮(zhèn)農(nóng)戶借貸行為分析[J];農(nóng)村經(jīng)濟(jì)與科技;2016年20期

2 盧亞娟;張菁晶;章建偉;;農(nóng)戶借貸行為的影響因素——基于江蘇省調(diào)查數(shù)據(jù)的實(shí)證分析[J];南方金融;2016年10期

3 陳曉聲;吳曉忠;張志超;;普惠金融視角下農(nóng)戶借貸行為分析與福利效果測(cè)算[J];中國(guó)流通經(jīng)濟(jì);2016年03期

4 陳宗義;;基于零膨脹模型的農(nóng)戶借貸行為影響因素分析——以山東省8119家農(nóng)戶數(shù)據(jù)為例[J];國(guó)土資源科技管理;2016年01期

5 崔艷娟;孫剛;;農(nóng)戶借貸的影響因素及其福利效應(yīng)分析[J];金融理論與實(shí)踐;2015年06期

6 張峰;肖文東;;發(fā)達(dá)國(guó)家農(nóng)業(yè)產(chǎn)業(yè)化融資體系建設(shè)對(duì)我國(guó)的啟示[J];國(guó)際金融;2015年05期

7 李雪濤;龔德華;;扶持借貸行為對(duì)農(nóng)民收入和福利水平的影響——基于湖北省農(nóng)戶的調(diào)查數(shù)據(jù)[J];湖北農(nóng)業(yè)科學(xué);2015年05期

8 曹陽(yáng);胡新宇;;構(gòu)建新型農(nóng)村金融體系的探討[J];科技創(chuàng)業(yè)月刊;2015年04期

9 劉鑫;;我國(guó)互聯(lián)網(wǎng)金融的發(fā)展情況及模式淺析[J];當(dāng)代經(jīng)濟(jì);2014年24期

10 曹t，

本文編號(hào)：2389539