河南原阳县农户融资困境及对策研究

发布时间：2018-01-18 00:36

本文关键词：河南原阳县农户融资困境及对策研究　出处：《西南民族大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国农户的经济发展水平比较低，生产经营主要还是分散经营，农民的生产生活没有得到完全的资金支持，造成了农村经济发展缓慢和农户收入增加困难的现状。另外就是农生业产的特点是风险高、收益低、季节性强、周期长，农村正规金融机构为了避免风险，减少信息寻求成本和降低管理难度，就会减少或者不提供资金给农户，这些都严重的阻碍了农村经济的发展，使农民贫困的现状没有得到根本的改变。本文通过对农户融资的困境表现进行分析，以此尝试找到化解农户融资难的办法，这对提高农民的收入，加快农村经济的发展，缩小贫富差距、统筹城乡经济发展具有重要的意义。本文以农户这一微观的经济主体为出发点，，系统化的阐述了金融发展理论，农村金融理论、信息不对称理论、交易成本理论等理论。之后通过实证检验来分析农户的融资情况对农民收入增加，减少贫困的作用，试图体现出农民能顺利融得资金的重要性。选取对河南省原阳县的调查资料，对农户融资的意愿、目的、渠道、风险、效应进行分析。之后分析农户向正规金融融资困境的表现，和向民间金融机构融资困境的表现。本文主要是分析农户自身禀赋状况对农户融资影响，采用多元的Logit计量模型，分析农户融资的影响因素，探讨当前农村金融体系对农户融资造成的影响。从农户自身的原因和面临的金融原因两个方面，针对性地提出解决农户融资难的可行性建议，希望能为提高农民收入，改善农村居民的生活水平，推进农村经济建设做出一定的贡献。
[Abstract]:The level of economic development of farmers in China is relatively low, the production and management is mainly decentralized management, farmers' production and life has not been fully supported by funds. In addition, the characteristics of agricultural production are high risk, low income, seasonal strong, long cycle, rural formal financial institutions in order to avoid risks. Reducing the cost of information seeking and reducing the difficulty of management will reduce or not provide funds to farmers, which seriously hinder the development of rural economy. The present situation of farmers' poverty has not been fundamentally changed. Through the analysis of the plight of farmers' financing performance, this paper tries to find ways to resolve the farmers' financing difficulties, which will improve farmers' income. It is of great significance to accelerate the development of rural economy, narrow the gap between rich and poor, and coordinate the development of urban and rural economy. This paper, starting from the micro economic subject of farmers, systematically expounds the theories of financial development, rural finance and information asymmetry. Then through the empirical test to analyze the impact of farmers' financing situation on the increase of farmers' income and reduce poverty. This paper tries to reflect the importance of the farmers to be able to finance smoothly. Select the investigation data of Yuanyang County, Henan Province, the willingness, purpose, channel, risk of farmers' financing. After the analysis of farmers to the formal financial difficulties and the performance of private financial institutions financing predicament. This paper mainly analyzes the impact of farmers' own endowment on farmers' financing. By using the multivariate Logit econometric model, this paper analyzes the influencing factors of farmers' financing, and probes into the impact of the current rural financial system on the farmers' financing from two aspects: the farmers' own reasons and the financial reasons they face. This paper puts forward some feasible suggestions to solve the problem of farmers' financing, hoping to contribute to raising farmers' income, improving the living standard of rural residents and promoting the construction of rural economy.
【学位授予单位】：西南民族大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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