1、浙江大學碩士學位論文農戶資金借貸特征及其影響因素分析——基于永康市5個村莊的調查姓名：方文豪申請學位級別：碩士專業(yè)：農業(yè)經(jīng)濟管理指導教師：郭紅東20051201浙江大學碩士學位論文農戶資金借貸特征及其影響因素分析ABSTRACT’Astheadvanceofthereformandopening印aswellasthedevelopmentofruraleconomymoreandmorepeasanthouseholdsgradual

2、lytransmittononagriculturalareasThepaceofrestructuringagricultureaccelerates，andthedemandsforfinancialservicesgrowdaybydayinruralareasThereformofruralfinancialsystemhasbeenstartedsince1996inourcountryandmanyruralfinancia

3、lpolicieshavebeenadjusted，amongwhichthecommercializationofruralbankandtheregulationofRCFsespeciallymaketheRCCsbecometheonlyformalfinancialorganizationinruralfinancialmarketButthefinancialservicesprovidedbyRCCsareverylimi

4、tedduetoaseriesofproblemssuchasgovernmentinterference，regulation，historicalburdens，andSOonThusthefinancialdemandsofthepeasanthouseholdsCan’tbefullysatisfiedTherehavebeenalotofresearchesonruralfinancedonebynationalscholar

5、s，whichlayemphasisontheexistingproblemsandsolutionsinruralfinancefrommacrolevelThemethodoftheresearchesismainlynormativeanalysisOnthecontrarypositivestudiesfrommicrolevel，especiallyfromtheaspectsofthehouseholds’creditdem

6、andaremuchfewermadmostresearchesarebasedontheinvestigationoftraditionalfarmingareasInthispaperweinvestigated151peasanthouseholdsfromfivevillagesinYongkangCityZhejiangProvince，andstudiedthefeaturesofpeasanthouseholds’borr

7、owandthefactorsaffectingpeasanthouseholds’borrowingbehaviorsthroughstatisticalandeconometricanalysis，andthenputforwardsomesuggestionsbasedontheconclusionsTherearefivechaptersinthispaper：Chapter1mainlyintroducesthereasons

8、forselectingruralcreditastheobjectofthestudydefinessomereleyantconceptsandtheobjectstudied，andgivesoutthepurpose，therouteandthemethodofthisresearchChapter2givesasummaryandcommentontheliteraturesonthetheoryofruralcreditma

9、rketandpeasanthouseholds’borrowingbehaviorsThemaincontentisasfollows：thefeaturesofruralcreditmarketindevelopingcountries，threeleadingtheoriesonruralcreditmarket，differentpolicysuggestionsbasedondifferenttheories，research