陕南生态移民借贷行为的影响因素研究

发布时间：2018-05-26 19:25

本文选题：生态移民 + 借贷行为　；参考：《西北农林科技大学》2015年硕士论文

【摘要】：陕南地区是自然灾害高发区,生态环境脆弱,经济发展水平低,当地居民生活条件差。为做好陕南地区抢险救灾、防灾减灾工作,尽快恢复受灾地区正常的生产生活秩序,切实保护人民群众生命财产安全,努力改善当地群众生产生活条件,提高人民群众生活质量,统筹受灾移民、生态移民、扶贫移民和工程移民搬迁安置,陕西省政府在2010年制定《陕南地区移民搬迁安置总体规划(2011—2020年)》,从长远发展出发,消除贫困,修复生态,保障建设,促进经济社会的可持续发展,确保陕南循环发展战略目标顺利实现。但在具体实施中,仍然存在诸多问题与困境,其中最主要的就是脱贫主观意愿与贫困现实情况的困境,大部分生态移民搬迁户在搬迁后面临收入方式不变以及住房建设、自身消费等支出增加导致入不敷出的现象,产生借贷需求,发生借贷行为。但在现实中,我国农村金融市场存在严重的信贷约束现象,大多数搬迁户的借贷需求无法得到有效满足。因此,本文依托国家自然科学基金课题项目《反贫困视角下生态移民政策的农户响应及经济效应研究——以陕南地区为例》,通过对陕南部分地区的生态移民搬迁情况进行实地调研,利用安康市和商洛市19个乡(镇)的调查数据,从生态移民借贷需求角度入手,使用Logistic回归模型分析影响生态移民借贷行为的因素,并据此提出政策建议,有效保障生态移民搬迁项目的顺利实施。本文主要结构框架如下:第一章是导论部分,介绍了本文的选题背景、研究目的与意义、国内外关于生态移民与农村金融理论的研究成果以及本文所用的研究思路、方法以及技术路线。第二章为基础理论部分,从生态移民和农村金融两个层面介绍了国内外学术界的主流理论。其中生态移民相关理论包括生态移民概念及类型、可持续发展理论、人口迁移理论、生态经济理论以及贫困理论;农村金融相关理论包括农业补贴信贷论、农村金融市场论、不完全竞争市场理论以及农户借贷行为的动机及次序理论。第三章介绍了陕南地区基本情况以及生态移民的借贷行为特征,利用描述性统计分析了生态移民的借贷途径、借贷用途、借贷金额、借贷期限以及不选择正规金融借贷的原因。第四章为实证分析部分,首先说明了模型设定与变量选取的标准,并提出理论假设;其次利用单因素分析得出各个因素对借贷行为的影响;最后利用Logistic回归模型的二项逻辑回归方法分析了影响生态移民借贷行为的因素。第五章为结论部分,包括结论和政策建议两部分。本文通过分析得出影响搬迁户借贷行为的因素包括是否生态移民、户主年龄、户主健康状况、家庭成员最高文化程度、是否村干部、家庭年收入水平、移民前后消费支出差额、居住地区聚集户数以及原有住房居住环境,建议政府应完善农村金融市场体系,并推出移民保障性政策来提高生态移民的生活水平。
[Abstract]:Southern Shaanxi is a region with high natural disasters, fragile ecological environment, low level of economic development and poor living conditions of local residents. In order to do a good job in emergency relief, disaster prevention and mitigation in southern Shaanxi, restore normal production and living order in the affected areas as soon as possible, earnestly protect the safety of people's lives and property, and strive to improve the production and living conditions of the local people, To improve the quality of life of the people, to coordinate the relocation and resettlement of the affected migrants, ecological migrants, poverty alleviation migrants and engineering migrants, the Shaanxi Provincial Government formulated the "Comprehensive Plan for relocation and Resettlement of migrants in Southern Shaanxi for 2011-2020" in 2010, with a view to long-term development. To eliminate poverty, restore ecology, guarantee construction, promote the sustainable development of economy and society, and ensure the successful realization of the strategic goal of circular development in southern Shaanxi. However, in the concrete implementation, there are still many problems and difficulties, the most important of which is the plight of the subjective will to get rid of poverty and the reality of poverty. Most ecological migrants are faced with the same income and housing construction after the relocation. The increase of self-consumption and other expenditure leads to the phenomenon that the income is beyond the means of living, resulting in the borrowing demand and the borrowing behavior. However, in reality, there are serious credit constraints in the rural financial market of our country, and most of the loan needs of relocated households cannot be effectively met. Therefore, Based on the research of peasant household response and economic effect of ecological migration policy from the perspective of anti-poverty of the National Natural Science Foundation of China, this paper makes a field investigation on the relocation of ecological migrants in some parts of southern Shaanxi Province, taking the southern Shaanxi region as an example. Based on the survey data of 19 townships (towns) in Ankang and Shangluo, this paper analyzes the factors affecting the lending behavior of ecological migrants by using Logistic regression model, and puts forward some policy suggestions. Effectively ensure the smooth implementation of the ecological relocation project. The main structure of this paper is as follows: the first chapter is the introduction part, which introduces the background, purpose and significance of this paper, the domestic and foreign research results on ecological migration and rural finance theory, and the research ideas used in this paper. Methods and technical route. The second chapter is the basic theory which introduces the mainstream theories of domestic and foreign academic circles from two aspects of ecological migration and rural finance. The related theories of ecological migration include the concept and type of ecological migration, sustainable development theory, population migration theory, ecological economy theory and poverty theory; the related theories of rural finance include agricultural subsidy credit theory, rural financial market theory. The theory of imperfect competition market and the motivation and order theory of farmers' borrowing behavior. The third chapter introduces the basic situation of the southern Shaanxi region and the characteristics of the ecological immigrants' borrowing behavior, and analyzes the reasons for the ecological migrants' lending channels, loan purposes, loan amount, loan term and the reasons for not choosing formal financial lending by descriptive statistics. The fourth chapter is the empirical analysis part, which first explains the criteria of model setting and variable selection, and puts forward the theoretical hypothesis; secondly, the influence of each factor on the lending behavior is obtained by single-factor analysis. Finally, the factors influencing the ecological migrants' borrowing behavior are analyzed by using the binomial logic regression method of Logistic regression model. The fifth chapter is the conclusion, including the conclusions and policy recommendations. Through the analysis of the factors that influence the behavior of the relocated households, including whether the ecological migration, the age of the head of household, the health status of the head of household, the highest education level of the family members, whether the village cadres, the level of annual income of the family, the difference of consumption expenditure before and after emigration. It is suggested that the government should perfect the rural financial market system and put forward the immigration guarantee policy to improve the living standard of ecological migrants.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D632.4

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