發(fā)布時(shí)間：2018-05-24 15:59

  本文選題：涉農(nóng)信貸主體 + 涉農(nóng)金融機(jī)構(gòu)　； 參考：《電子科技大學(xué)》2013年博士論文

【摘要】：我國擁有廣闊的農(nóng)耕面積和巨大的農(nóng)產(chǎn)品市場，“三農(nóng)”問題一直以來都受到社會各界的廣泛關(guān)注。解決“三農(nóng)”問題的關(guān)鍵在于進(jìn)一步解放農(nóng)業(yè)生產(chǎn)力，促使農(nóng)村經(jīng)濟(jì)又快又好的發(fā)展。長期以來，由于涉農(nóng)經(jīng)濟(jì)組織內(nèi)部結(jié)構(gòu)松散、農(nóng)戶信用狀況具有較大的不穩(wěn)定性和易突變的特征，農(nóng)村融資難問題成為困擾我國農(nóng)業(yè)經(jīng)濟(jì)發(fā)展的重大瓶頸問題。本文通過厘清以農(nóng)戶為基礎(chǔ)的涉農(nóng)經(jīng)濟(jì)組織的內(nèi)在信用行為動(dòng)因，進(jìn)而構(gòu)建針對涉農(nóng)信貸主體的信用風(fēng)險(xiǎn)評估方法，，最終達(dá)到緩解我國農(nóng)村“融資難”的目的。本文的研究不但有助于金融機(jī)構(gòu)提高涉農(nóng)信貸的質(zhì)量和管理水平，也能在一定的程度上優(yōu)化我國農(nóng)業(yè)經(jīng)濟(jì)的產(chǎn)業(yè)結(jié)構(gòu)，對解決“三農(nóng)”問題起到積極的推動(dòng)作用。 本文首先以涉農(nóng)經(jīng)濟(jì)組織和農(nóng)戶作為典型的涉農(nóng)信貸主體，從政治經(jīng)濟(jì)學(xué)的視角，統(tǒng)計(jì)性地探討了“涉農(nóng)信貸主體”和“涉農(nóng)金融機(jī)構(gòu)”之間的歷史演變過程和相互關(guān)系的發(fā)展現(xiàn)狀。通過實(shí)地調(diào)研，在農(nóng)戶層面分析了目前我國涉農(nóng)貸款的主要用途和來源途徑。在厘清我國農(nóng)村“融資難”問題的歷史成因和現(xiàn)實(shí)狀況以后，本文分別從“涉農(nóng)信貸主體”和“涉農(nóng)金融機(jī)構(gòu)”兩個(gè)層面探討了我國“涉農(nóng)信貸主體”的信用行為以及涉農(nóng)信貸風(fēng)險(xiǎn)的評估問題。 在涉農(nóng)金融機(jī)構(gòu)層面，本文著重分析了涉農(nóng)金融機(jī)構(gòu)在涉農(nóng)信貸時(shí)所面臨的市場狀況，在信貸配給的外生條件下分析了涉農(nóng)信貸的市場特征，并尋找到基于信用風(fēng)險(xiǎn)突變的涉農(nóng)信貸市場特征因素。 在“涉農(nóng)信貸主體”層面，本文以涉農(nóng)經(jīng)濟(jì)組織和農(nóng)戶為主要研究對象。根據(jù)涉農(nóng)經(jīng)濟(jì)組織的組織特征，本文將涉農(nóng)經(jīng)濟(jì)組織劃分為“協(xié)作型涉農(nóng)經(jīng)濟(jì)組織”和“企業(yè)型涉農(nóng)經(jīng)濟(jì)組織”。由于“協(xié)作型涉農(nóng)經(jīng)濟(jì)組織”主要由農(nóng)戶自發(fā)組成，結(jié)構(gòu)較為松散，該類涉農(nóng)經(jīng)濟(jì)組織的信用風(fēng)險(xiǎn)根源直接依賴于組織內(nèi)部農(nóng)戶之間的松散結(jié)構(gòu)和相互行為。因此，本文利用博弈論的相關(guān)理論刻畫了該類涉農(nóng)經(jīng)濟(jì)組織內(nèi)部農(nóng)戶之間的信用行為，并在一類典型的結(jié)構(gòu)“聯(lián)保機(jī)制”下，探討了該類涉農(nóng)經(jīng)濟(jì)組織的信用風(fēng)險(xiǎn)如何依賴于組織內(nèi)部農(nóng)戶之間信用行為的相互作用。進(jìn)一步，對該類涉農(nóng)經(jīng)濟(jì)組織內(nèi)部農(nóng)戶的信用行為對組織規(guī)模的影響進(jìn)行了系統(tǒng)仿真。對“企業(yè)類涉農(nóng)經(jīng)濟(jì)組織”而言，無論該類涉農(nóng)經(jīng)濟(jì)組織內(nèi)部結(jié)構(gòu)和行為如何，該類涉農(nóng)經(jīng)濟(jì)組織總會通過某一系列指標(biāo)反映其信用風(fēng)險(xiǎn)，在這種意義上，這類涉農(nóng)經(jīng)濟(jì)組織的信用風(fēng)險(xiǎn)評估方法與一般企業(yè)的信用風(fēng)險(xiǎn)評估方法有相似之處。本文結(jié)合該類涉農(nóng)經(jīng)濟(jì)組織的特征，創(chuàng)新性地引入集對理論對傳統(tǒng)的信用風(fēng)險(xiǎn)評估方法進(jìn)行有機(jī)整合和“取長補(bǔ)短”，使之在評價(jià)該類涉農(nóng)經(jīng)濟(jì)組織信用風(fēng)險(xiǎn)時(shí)更具適應(yīng)性，并由此構(gòu)建了一類涉農(nóng)經(jīng)濟(jì)組織的信用風(fēng)險(xiǎn)評估方法。進(jìn)一步，為了刻畫作為涉農(nóng)經(jīng)濟(jì)組織基本單元的個(gè)體農(nóng)戶的信用風(fēng)險(xiǎn)變化特征，本文采用突變評價(jià)法對個(gè)體農(nóng)戶的信用風(fēng)險(xiǎn)進(jìn)行了實(shí)證評估。 最后，基于上述分析結(jié)果，本文從涉農(nóng)信貸市場建設(shè)、農(nóng)村信用體系建設(shè)、政策支持等三個(gè)方面，就農(nóng)戶需求和市場實(shí)現(xiàn)提出了相關(guān)建議，相信這些建議不但能對破解我國農(nóng)村“融資難”問題起到積極的作用，而且有助于促進(jìn)我國農(nóng)村經(jīng)濟(jì)的健康、快速發(fā)展。
[Abstract]:China has a broad agricultural area and a huge market for agricultural products. The problem of "three rural" has been widely concerned by all walks of life. The key to solving the "three rural" problem lies in the further emancipation of agricultural productivity and the rapid and good development of the rural economy. For a long time, because of the loose internal structure of the agricultural economic organizations, agriculture has been loose. The situation of household credit is characterized by greater instability and mutagenesis, and the difficulty of financing in rural areas has become a major bottleneck for the development of agricultural economy in China. By clarifying the internal credit behavior of the agricultural economic organizations based on farmers, this paper constructs a credit risk assessment method aimed at the subject of agricultural credit. This study not only helps the financial institutions to improve the quality and management level of agricultural credit, but also optimizes the industrial structure of agricultural economy in China to a certain extent, and plays an active role in solving the problem of "three rural".
This paper first takes agricultural economic organizations and farmers as the typical subject of agricultural credit related to agriculture. From the perspective of political economics, this paper makes a statistical analysis of the historical evolution process and the development status of the relationship between "the main body of agriculture related credit" and "agriculture related financial institutions". After clarifying the historical causes and actual conditions of the problem of "financing difficulty" in rural areas of China, this paper discusses the credit behavior of "the main body of agriculture related credit" and the assessment of the risk of agricultural credit from two aspects of "the main body of agriculture related credit" and "agriculture related financial institutions".
At the level of agricultural financial institutions, this paper analyzes the market situation of the agricultural financial institutions in the case of agricultural credit, analyzes the market characteristics of the agricultural credit in the external conditions of the credit rationing, and finds out the characteristics of the credit risk market based on the credit risk mutation.
In the aspect of "the subject of agricultural credit", this article takes agriculture related economic organizations and farmers as the main research object. According to the organizational characteristics of the agricultural economic organizations, this article divides the agricultural economic organizations into "cooperative agriculture related economic organizations" and "enterprise type agriculture related economic organizations". The credit risk roots of the agricultural economic organizations of this kind depend directly on the loose structure and mutual behavior between the farmers in the organization. Therefore, this paper uses the theory of game theory to describe the credit line between farmers in the agricultural economic organization of the class, and under a typical structure of "joint insurance mechanism". This paper discusses how the credit risk of this kind of agricultural economic organization depends on the interaction of credit behavior among the farmers within the organization. Further, the influence of the credit behavior of the farmers in this kind of agricultural economic organization on the organization scale is systematically simulated. In this sense, the credit risk assessment method of this kind of agricultural economic organization is similar to that of the general enterprise, in this sense, the credit risk assessment method of this kind of agricultural economic organization is similar to the general enterprise's credit risk assessment method. The theory of the traditional credit risk assessment methods of the organic integration and "make up for short", so as to evaluate the credit risk of this kind of agricultural economic organizations more adaptable, and thus build a class of agricultural economic organizations of credit risk assessment methods. Further, in order to portray the individual farmers as the basic unit of the agricultural economic organization of farmers. In this paper, we use the catastrophe evaluation method to assess the credit risk of individual farmers.
Finally, based on the above analysis, this paper puts forward some suggestions on Farmers' demand and market realization from three aspects, such as the construction of the agricultural credit market, the construction of the rural credit system and the policy support. It is believed that these suggestions can not only play a positive role in solving the problem of "financing difficulties" in rural China, but also help to promote the rural economy in our country. Health, rapid development.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2013
【分類號】：F832.43

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本文編號：1929678