【作者】 黄薇；

【导师】 郑炎成；

【作者基本信息】 华中农业大学 ， 农业经济管理， 2008， 硕士

【摘要】 改革开放以来,随着市场经济的发展和农户经营的多元化,农民对借贷资本的需求日益强烈。在正规金融无法满足农户资金需求的情况下,民间借贷成为农户不可或缺的融资渠道。本文通过对武汉市先建村民间借贷行为的实证研究,分析农户民间借贷行为特征、民间借入资金规模的影响因素及利率水平,指出民间借贷健康发展的合理性和发展中存在的弊端,并分析民间借贷广泛发生发展的原因,最后对民间借贷发展提出政策建议。希望通过本文的研究,能够管窥我国农村地区,尤其是经济中等发展水平地区农村的民间借贷发展问题。本文分为六部分:第一部分,引言,阐述研究背景及意义,进行国内外研究现状回顾。本章首先对已有文献中的相关研究,如民间借贷的形式、特征、功能、进行回顾概括,接着给出本文研究内容,方法及技术路线。第二部分,对民间借贷的概念予以界定,并提出本文的理论依据。国内目前对民间金融概念的界定有很多种,但尚无统一定义。为方便研究,本文将民间借贷分为广义和狭义,并将本文研究的范围限定在狭义的民间借贷,并给出文章的理论依据。第三部分,分析武汉市先建村农户民间借贷发展现状及特点。首先介绍被调查村庄洪山乡先建村的村落状况和调查农户基本状况。在此基础上分析了该村农户民间借贷的基本状况;最后,运用调查中的数据和案例分析了该村农户民间借贷的9个基本特征,从而全面得出先建村农户民间借贷的基本状况。第四部分,分析武汉市先建村农户民间借贷的利率。本章指出已有理论普遍认为民间借贷的利率高于正规金融;接着通过实地调查发现,先建村的民间借贷多是无息形式,并未出现明显的高利贷倾向;最后给出先建村农户民间借贷中普遍存在的无息借贷的经济学解释。第五部分,武汉市先建村农户民间借贷的成因及利弊影响分析。在市场经济繁荣发展的过程中,作为传统融资形式的民间借贷,在武汉先建村仍占有较大的市场份额。它的存在,对社会经济的发展起到显著的积极作用,但同时也给金融市场和社会发展带来负面影响。本部分对其积极和消极作用分别进行阐述。第六部分,给出本文结论和先建村农户民间借贷健康发展的政策建议。更多还原

【Abstract】 Since reform and opening-up in china ,With the development of market-oriented economy and multiple operation in rural area, rural household’s demand for capital has become more and more strong. The rural folk informal credit has become the main financial channel for the rural households to get loan because of the formal finance supply’s shortage. This paper is about a informal credit empirical study in Xianjian village, which tries to disclose the behavior of the agricultural households in informal credit market, the factors influencing the amount of credit per household and the interest lever of Wuhan rural households, then analyze the reason of informal credit’s widely occurrence in Xianjian village. Finally ,we get the conclusions and give our policy suggestions. Through this research ,author hopes that this paper can observe the problems in rural household’s informal credit in China.The paper is divided into six parts totally:In the first section, introduction, the research background and significance of rural household’s informal credit are described briefly, The types, characteristics, and functions of rural household’s informal credit are given firstly ;then, we give the contents, methods and technical route of this paper.In the second section, points out the accurate definition of rural household informal credit and raise a theoretical hypothesis. There are many different definitions of Informal Credit in China at present, but up to now, there were still controversy in it. For study convenience, this paper divided informal credit into generalized informal credit and narrow-sense informal credit .The research scope of this paper is limited on the narrow-sense one, which is private borrowing and credit in monetary form.In the third section, analyze the rural household’s informal credit development situation and characteristics in Xianjian village, Wuhan city. At first, this chapter introduce the village status and household’s basic situation of Xianjian village. On this basis, we study the basic situation of rural households’ informal credit in Xianjian village. At last, through data and case study, we get the 9 basic characteristics of rural household’s informal credit in Xianjian village.In the fourth section, analyze the interest rate of rural household’s informal credit in Xianjian village. It is pointed out that theory generally holds interest rate of informal credit is much higher than formal . Through field survey, we discover that most of rural household’s informal credit in Xianjian village doesn’t need any interest on money. Finally ,we give our economic explanation of this phenomenon.In the fifth section, analyze the cause, advantages and disadvantages of rural household’s informal credit in Xianjian village. In the process of market economy’s prosperity and development, as a traditional financing form, informal credit still occupied large market share. Its existence makes significant positive effect to the development of social and economy, but meanwhile, makes negative influence in financial market and social development. This part described the positive and negative influence respectively.In the sixth section, conclusion of this paper and policy suggestions on how to develop rural household’s informal credit in Xianjian village are given.更多还原