路阳-普通农户的信贷配给及影响因素研究-终 - 图文

安徽工业大学工商学院 毕业设计（论文）说明书

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摘 要

农村金融改革是我国社会主义新农村建设的重要组成部分，事关我国“三农”发展的大局。农村的发展需要增加资金投入，但目前在我国农村正规金融市场上却存在着严重的“惜贷”现象，农村贷款难已成为制约农村经济发展的“瓶颈”。 本文以为农户提供及时、有效的金融服务为研究目的，以农户信贷为主要研究对象，通过构建信贷配给模型，分析信息不对称条件下、农业的弱质与弱势性条件下我国农村金融存在信贷配给的现状与相关问题的影响因素、发展障碍，并提出针对性的缓解对策。

关键词：普通农户；信贷配给；影响因素

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安徽工业大学工商学院 毕业设计（论文）说明书

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Abstract

The reform of rural finance is an important component of Chinese new socialist countryside construction，the development of \to increase the capital investment, but there is a serious phenomenon of \rural formal financial markets at present,the difficulty in obtaining loans has become the \

The purposes of this article is to provide timely and effective financial services for farmers, farmers credit is the main object of study.By building a credit rationing model under the factors of asymmetric information and the weak conditions of agriculture.We analysis that Chinese rural financial existence of credit rationing status and influencing factors of some related issues,disabilities of development, and coming up with some solutions as well.

Key words：ordinary farmers;credit rationing; influencing factors

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安徽工业大学工商学院 毕业设计（论文）说明书

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目 录

一、绪 论 ............................................................. 1

（一）研究背景及意义 ............................................... 1 （二）文献综述 ..................................................... 1 （三）研究内容与技术路线图 ......................................... 3 （四）创新与不足 ................................................... 4 二、相关概念阐述 ....................................................... 6

（一）农户 ......................................................... 6 （二）信贷配给 ..................................................... 7 三、普通农户信贷现状 ................................................... 9

（一）普通农户存在信贷配给的现象 ................................... 9 （二）普通农户信贷配给目前的表现形式 .............................. 10 四、普通农户信贷配给的影响因素 ........................................ 13

（一）信息不对称条件下的信贷配给 .................................. 13 （二）中国农业弱质性与农村弱势性下的信贷配给 ...................... 17 五、缓解普通农户信贷配给的对策 ........................................ 23

（一）放宽金融机构准入 ............................................ 23 （二）加强抵押担保体系建设 ........................................ 23 （三）完善农业保险组织体系建设 .................................... 24 （四）激励金融机构的“三农”业务 .................................. 24 致 谢 ................................................................ 26 参考文献 .............................................................. 27 附 录 ................................................................ 29

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安徽工业大学工商学院 毕业设计（论文）说明书

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Contents

1Introduction ......................................................................................................................... 1

1.1 The rearch background and significance ................................ 1 1.2 Literature Review .................................................. 1 1.3 The main content of this article and the paper organization .................. 3 1.4 The innovation and weaknesses ....................................... 4 2 Some basic concepts ..................................................... 6

2.1 Farmers .......................................................... 6 2.2 Credit rationing .................................................... 7 3 Credit status of ordinary farmers ........................................... 9

3.1 Credit rationing in ordinary farmers .................................... 9 3.2 Expression of Credit rationing in ordinary farmers ....................... 10 4 Influencing factors of credit rationing in ordinary farmers ...................... 13

4.1 Credit rationing in asymmetric information ............................. 13 4.2 Credit rationing in the weak conditions of agriculture ..................... 17 5 Countermeasures to credit rationing in ordinary farmers ........................ 23

5.1 Relax the access of financial institutions ............................... 23 5.2 Strengthen the construction of farmers' mortgage and guarantee system ....... 23 5.3 Improve the construction of agricultural insurance system ................. 24 5.4 Incentive financial institutions' business of \ .. 24 Acknowledgements ...................................................... 26 References ............................................................. 27 Appendix .............................................................. 29

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