本文選題：小額信貸 + 農戶��； 參考：《四川農業(yè)大學》2013年碩士論文

【摘要】：從2004年至2013年,我國連續(xù)十年將“一號”文件的落腳點,鎖定在“三農”領域,改變農村落后的面貌,建設社會主義新農村,是我國政府的首要任務。在我國,農村金融機構的可持續(xù)發(fā)展,正式解決“三農”問題的根源所在。農村小額信貸作為我國一種長期有效的扶貧手段,不僅可以緩解農村金融市場的貨幣供求矛盾,還可以優(yōu)化農村金融體系結構,加快農村經濟發(fā)展。但是,由于小額信貸在我國尚處于起步階段,小額信貸機構的發(fā)展直接照搬國外模式居多,經濟、文化等差異使得小額信貸發(fā)展過程中出現(xiàn)諸多問題,影響并制約著我國農村經濟的健康發(fā)展。 本文從河南省洛陽市孟津縣農村的實際情況出發(fā),針對農村農戶多元化發(fā)展農業(yè)經濟,從而產生了對小額信貸的需求為主線,以該地區(qū)農戶小額信貸需求的問題描述為出發(fā)點,剖析影響因素的成因,并對小額信貸需求的影響因素進行排序。采用文獻研究法、問卷調查法和統(tǒng)計分析法等方法,對影響農戶小額信貸需求的影響因素進行重點分析。 本文研究的主要結論是孟津縣農戶小額信貸存在可獲得性小、農戶小額信貸需求的滿足程度低、資金供應不合理、信貸產品設計不合理等問題,提出影響孟津縣農戶小額信貸的因素主要有農戶小額信貸可獲得性、借貸金額、貸款利率、貸款周期、資金需求的緊急程度和農戶的文化程度等,并對這些因素的影響程度進行了分析與比較,指出了影響孟津縣農戶小額信貸需求的主要因素是可獲得程度、借貸金額、貸款利率、貸款周期等。 基于以上結論,提出引導小額信貸機構發(fā)展和滿足現(xiàn)有農戶自身信貸需求可行性建議；并以開發(fā)區(qū)域特色產品、建立合理貸款制度、加強機構內控機制建設、政府基金擔保、提升農戶文化水平、調整農村經濟機構、建立小額信貸激勵機制等方面提出對策,以期更好地促進孟津縣的新農村建設,農戶增收,以及農業(yè)經濟的持續(xù)、健康發(fā)展。
[Abstract]:From 2004 to 2013, it is the primary task of our government to fix the "No.1" document in the field of "agriculture, countryside and farmers", to change the backward appearance of the countryside and to build a new socialist countryside. In our country, the sustainable development of rural financial institutions is the root of solving the problem of agriculture, countryside and farmers. As a long-term effective means of poverty alleviation, rural microfinance can not only alleviate the contradiction of money supply and demand in rural financial market, but also optimize the structure of rural financial system and accelerate the development of rural economy. However, as microfinance is still in its infancy in China, the development of microfinance institutions is mainly based on foreign models, and the differences in economy and culture have caused many problems in the process of microfinance development. It affects and restricts the healthy development of our country's rural economy. Based on the actual situation of rural areas in Mengjin County of Luoyang City, Henan Province, this paper aims at the diversified development of agricultural economy of rural farmers, thus generating the demand for micro-credit as the main line, and taking the problem description of the demand for micro-credit of farmers in this area as the starting point. This paper analyzes the causes of influencing factors, and sorts the influencing factors of microfinance demand. By using the methods of literature research, questionnaire survey and statistical analysis, this paper mainly analyzes the influencing factors of farmers' demand for microfinance. The main conclusion of this paper is that there are some problems, such as small availability of micro-credit, low demand of micro-credit, unreasonable supply of funds, unreasonable design of credit products, etc. It is proposed that the main factors influencing the micro-credit of farmers in Mengjin County are the availability of micro-credit, the amount of loans, the interest rate of loans, the loan cycle, the degree of urgency of capital demand and the education level of farmers, etc. The influence degree of these factors is analyzed and compared, and it is pointed out that the main factors affecting the demand for micro-credit of farmers in Mengjin County are the degree of availability, loan amount, loan interest rate, loan cycle and so on. Based on the above conclusions, the paper puts forward some feasible suggestions to guide microfinance institutions to develop and meet the credit needs of existing farmers, and to develop regional characteristic products, establish a reasonable loan system, strengthen the construction of internal control mechanism of institutions, and guarantee government funds. In order to promote the construction of new countryside in Mengjin County, increase the income of farmers, and develop the agricultural economy continuously and healthily, this paper puts forward some countermeasures in the aspects of raising the peasant household's education level, adjusting the rural economic organization, establishing the micro-credit incentive mechanism and so on.
【學位授予單位】：四川農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.43

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本文編號：1907241