基于IRR计算方法的农户生产经营贷款策略研究——以峨边县为例  

Research on Farmer’s Production and Operation Loan Strategy Based on IRR Calculation Method——Through Taking Ebian County as an Example

作　　者：成兴 饶峻妮 Cheng Xing;Rao Junni(School of Economics and Management,Southwest Forestry University,Kunming 650000,China)

机构地区：[1]西南林业大学经济管理学院,昆明650000

出　　处：《黑龙江科学》2024年第5期43-46,共4页Heilongjiang Science

摘　　要：以乐山市峨边县农村金融机构农户生产经营贷款投资数据为基础,以贷款从事农业生产的农户为调研对象,运用净现值分析法(NPV)与内部收益率计算法(IRR)对农户生产经营情况展开分析,了解农户生产支出与运营利润情况。得出峨边县农户在生产经营投资中面临农户文化水平普遍不高、农村金融机构缺乏贷前调查与贷后管理、政府对农户生产经营贷款投资的指导与补贴缺位、农户生产经营贷利率过高等问题的结论,可为农户生产经营贷款的提前规划提供参考,以防范生产经营贷款投资风险,有效维护与完善农村金融市场,提振农户的生产经营贷款投资信心,激发农村市场的巨大潜力。Based on the investment data of farmers’production and operation loans from rural financial institutions in Ebian County,Leshan City,the study takes farmers with loans engaged in agricultural production as the research objects,analyzes the production and operation conditions of farmers with net present value analysis(NPV)and internal rate of return calculation(IRR),and comprehends the production expenditure and operating profits of farmers.There are some problems in the production and management of farmers in Ebian County:farmer’s education level is low,rural financial institutions lack pre-loan investigation and post-loan management,the government’s guidance and subsidies to farmers’production and operation loan investment are absent,and the interest rate of farmers’production and operation loan is too high,etc.The study can provide reference for the planning of production and management loaning of farmers,prevent investment risk,effectively maintain and perfect rural finance market,promote farmers’investment confidence,and stimulate the great potential of rural markets.

关 键 词：IRR NPV 农户生产经营贷 

分 类 号：F832.43[经济管理—金融学]