logistic普惠金融视角下农户金融需求实证研究
毕业论文关键词：金融需求；普惠金融 ；农户
An Empirical Study on the Financial Needs of Farmers from the Perspective of Inclusive Finance----A Case Study of Yongsheng County, Yunnan Province
Abstract:Inclusive Finance has been developing in our country for a long time. In the development of rural areas, the financial needs of farmers are not satisfied. In this paper, through the interpretation of some representative literatures, taking the four villages and towns of Yongsheng County in Yunnan Province as an example,this paper investigates the financial demand of farmers, and analyzes the financial demand in rural areas from the accessibility of financial services,product quality and other dimensions. Then,through the quantitative analysis of the logistic model, the influence factors of the financing demand of farmers are studied. At the end of this paper, on the basis of the conclusion of the study, the paper puts forward some policy suggestions and methods to solve the plight of Inclusive financial development. Hoping to further enrich the relevant literature of Inclusive Finance, to provide empirical basis for China Inclusive financial research and policy development .
Key words：financial demand; Inclusive finance ;farmer
目录
摘要 1
关键词 1
Abstract 1
Key words1
一、引言 1
二、文献综述 2
（一）国外相关文献综述 2
（二）国内相关文献综述 3
三、我国农户金融需求发展现状分析 3
（一）普惠金融发展历史 3
（二）我国农户金融需求发展现状 4
四、云南省永胜县农户金融需求基本情况 4
五、云南省永胜县农户融资需求实证分析 6
（一）理论基础 7
（二）研究设计 7
1.数据来源 7
2.研究假设 7
3.变量定义 7
4.模型构建 9
5.回归分析 10
优尔、结论与建议、对策 10
（一）结论 10
（二）建议与对策 10
参考文献 11
致谢 11
附录 12
普惠金融视角下农户金融需求实证研究--以云南省永胜县为例
一、引言
当前我国农户仍面临金融需求得不到满足的挑战，农户所能获得的金融产品类型单一，金融机构种类少，服务种类上也大多局限于简单的“存贷汇”等业务，投资理财业务鲜见，金融创新工具少，信贷服务对象基本仅限于有担保人和抵押品的农户。发展多元化的农业生产经营主体，产生了不同的农户金融服务需求，从过去的存款贷款需求转化为多种多样的金融服务需求如金融咨询、投资理财业务、信用卡等。金融服务和产品不足，没有形成一个与现代农业发展相匹配的充满活力和竞争性的农村金融组织体系。
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