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1、XXXX畢業(yè)論文（設(shè)計(jì)）論文題目農(nóng)戶融資的困境與對(duì)策經(jīng)濟(jì)與貿(mào)易學(xué)院姓名學(xué)號(hào)院系_______________專(zhuān)業(yè)指導(dǎo)教師職稱(chēng)副教授中國(guó)·合肥二零壹肆年伍月摘要改革開(kāi)放后，我國(guó)經(jīng)濟(jì)迅猛發(fā)展，城鄉(xiāng)居民生活水平均有所提高。但是，也出現(xiàn)城鄉(xiāng)“二元結(jié)構(gòu)”的狀況。這種格局在某種程度上也導(dǎo)致了我國(guó)農(nóng)戶融資一直處在進(jìn)退維谷的境地，農(nóng)戶的融資需要以及農(nóng)村金融機(jī)構(gòu)服務(wù)尚不完善兩者沖突較為明顯。缺少有效抵押品，擔(dān)保難；額度?。汇y行網(wǎng)點(diǎn)少；信息不對(duì)稱(chēng)等“老大難”問(wèn)題，農(nóng)戶需求與金融供給很難順暢對(duì)接。而農(nóng)戶融資作為農(nóng)村金融的一部分，其
2、發(fā)展在我國(guó)農(nóng)村地區(qū)的發(fā)展乃至整個(gè)國(guó)家的發(fā)展中都扮演著不可替代的作用。本文主要是針對(duì)我國(guó)農(nóng)戶融資眾多問(wèn)題中的幾個(gè)問(wèn)題進(jìn)行了分析，首先分析了信息不對(duì)稱(chēng)帶來(lái)的“逆向選擇”和道德風(fēng)險(xiǎn)問(wèn)題；第二，對(duì)農(nóng)戶融資的擔(dān)保機(jī)制中存在的問(wèn)題進(jìn)行了分析，包括農(nóng)戶融資抵押物以及擔(dān)保形式中存在的問(wèn)題；第三，分析了融資渠道難題，分別從正規(guī)金融渠道和非正規(guī)金融渠道兩個(gè)層面進(jìn)行剖新。針對(duì)以上問(wèn)題，本文提出了相應(yīng)的解決對(duì)策以及有效意見(jiàn)。關(guān)鍵詞：農(nóng)戶融資；信息不對(duì)稱(chēng)；擔(dān)保機(jī)制；融資渠道；建議IIAbstractAfterthereformando
3、peningup,arapideconomicdevelopmenttakesplaceinChina,whichbringstheimprovementoflivingstandardsinbothurbanandruralareas.However,italsobringsa"dualstructure"inChina.Thispattern,tosomedegrees,causesthedilemmaoffarmerfinancing.Theconflictbetweenfarmers’needsoff
4、inancingandruralfinancialinstitutions’servingproblemisobvious.Theproblemincludeslackofeffectivecollateral,difficultsinguarantees;smallamountoffinancing,fewbankbranches,asymmetricinformationproblems.Theseproblemsmakesthefinancingservesystemcannotsatisfythene
5、edsoffarmers.Andaspartofruralfinance,farmer’sfinancialdevelopmentplaysanimportantandirreplaceableroleinthedevelopmentofwholeruralareaseventhewholenation.Thisthesismainlymakeananalysisonseveralproblemsamongtheproblemsoffarmersfinancingproblems.First,itanalyz
6、estheinformationasymmetry,whichcauses"adverseselection"andthemoralhazardproblem;Second,itanalyzestheproblemsofguaranteemechanism;includingfinancingcollateralissuesthatexistintheformofguarantees;third,theanalysisofthefinancingproblemswillbepresentedfromthefo
7、rmalfinancialchannelsandnon-formalfinancialchannels.Tosolvetheaboveproblems,thispaperputsforwardthecorrespondingcountermeasuresandeffectiveadvice.Keywords:farmerfinancing;asymmetricinformation;guaranteemechanisms;financing;suggestionsII目錄摘要IAbstractII目錄III引
8、言11.選題背景12.選題的意義13.概念界定11．農(nóng)戶借貸的現(xiàn)狀及問(wèn)題31.1農(nóng)戶融資的現(xiàn)狀31.1.1農(nóng)戶融資的目的31.1.2農(nóng)戶的融資環(huán)境及情況52.2農(nóng)戶融資面臨的問(wèn)題62.2.1信息不對(duì)稱(chēng)62.2.2擔(dān)保機(jī)制不健全102.2.3融資渠道中存在的問(wèn)題113對(duì)策133.1構(gòu)建信息對(duì)稱(chēng)的農(nóng)村金融體系133.1.1建立農(nóng)戶信用系統(tǒng)133.1.2構(gòu)建守信用的融資氛圍133.2完善、創(chuàng)新?lián)C(jī)制13
