| 摘要 | 第12-14页 |
| Abstract | 第14-15页 |
| 1 Introduction | 第17-33页 |
| 1.1 Background and Significance of the Research | 第17-21页 |
| 1.1.1 Background of the Research | 第17-20页 |
| 1.1.2 Purpose of the Research | 第20页 |
| 1.1.3 Significance of Research | 第20-21页 |
| 1.2 Summarization of Domestic and Foreign Research | 第21-30页 |
| 1.2.1 Summarization of Foreign Research | 第21-25页 |
| 1.2.2 Summarization of Domestic Research | 第25-28页 |
| 1.2.3 Review of Documents | 第28-30页 |
| 1.3 Contents and Methods of the Researc | 第30-33页 |
| 1.3.1 Content of the Research | 第30页 |
| 1.3.2 Methods of the Research | 第30-32页 |
| 1.3.3 Technical Route of the Research | 第32-33页 |
| 2 Related Concepts and Theoretical Basis | 第33-46页 |
| 2.1 Related Concepts and Theoretical Basis | 第33-35页 |
| 2.1.1 Microfinance | 第33页 |
| 2.1.2 Microcredit | 第33页 |
| 2.1.3 Agricultural Finance | 第33-34页 |
| 2.1.4 Measurement of Economic Efficiency | 第34页 |
| 2.1.5 Financial Institutions | 第34-35页 |
| 2.1.6 Five Cs of Credit | 第35页 |
| 2.1.7 Credit Risk | 第35页 |
| 2.1.8 Credit Risk Management | 第35页 |
| 2.2 Theoretical Basis | 第35-46页 |
| 2.2.1 Microcredit Theory | 第35-36页 |
| 2.2.2 Theory of Fair Interest rate on Microcredit | 第36-37页 |
| 2.2.3 Credit Risk Management Theory | 第37-39页 |
| 2.2.4 Theory of Production | 第39-42页 |
| 2.2.5 Theory of Agriculture Productivity | 第42-44页 |
| 2.2.6 Input-Output Benefit Analysis | 第44-46页 |
| 3 Analysis on Current Situation of Agriculture Development in Southern Punjab | 第46-57页 |
| 3.1 Current Situation of Agriculture Development in Southern Punjab Province | 第46-53页 |
| 3.1.1 Cultivated Farm Area in Southern Punjab | 第46-47页 |
| 3.1.2 Cropping Pattern of Southern Punjab | 第47-48页 |
| 3.1.3 Area under Major Crops in Southern Punjab | 第48-49页 |
| 3.1.4 Production of Important Crops in Southern Punjab | 第49-53页 |
| 3.2 Major Challenges of Agriculture in Southern Punjab | 第53-57页 |
| 3.2.1 Environmental Challenges | 第53-54页 |
| 3.2.2 Irrigation water Management Challenges | 第54页 |
| 3.2.3 Agronomic Challenges | 第54-55页 |
| 3.2.4 Technological Challenges | 第55页 |
| 3.2.5 Socio Economic Challenges for Farming Community | 第55-57页 |
| 4 Current Situation of Microcredit Supply for Agriculture in Southern Punjab Province | 第57-69页 |
| 4.1 Sources of Microcredit Supply for Agriculture in Southern Punjab | 第57-59页 |
| 4.1.1 Informal Sources of Microcredit | 第59页 |
| 4.1.2 Formal Source of Microcredit Providers | 第59页 |
| 4.2 Microcredit Lending Institutions and Methodology in Southern Punjab | 第59-61页 |
| 4.2.1 Micro-Finance Banks(MFB): | 第59-60页 |
| 4.2.2 Micro-Finance Institutions (MFI): | 第60-61页 |
| 4.2.3 Rural Support Programs (RSPs): | 第61页 |
| 4.3 Microcredit Lending Methodology | 第61-62页 |
| 4.4 Types of Microcredit Loans for Agriculture in Southern Punjab | 第62-63页 |
| 4.5 Government Policies for Microcredit Supply in Pakistan | 第63-65页 |
| 4.5.1 Special Financial Relief Package for Agriculture | 第63-64页 |
| 4.5.2 Setting up of Pakistan Micro-Finance Investment Company Limited (PMICL) | 第64页 |
| 4.5.3 Credit Guarantee Scheme for Small and Marginalized Farmers | 第64页 |
| 4.5.4 Prime Minister Interest Free Loan Scheme | 第64-65页 |
| 4.5.5 Establishing Non-Banking Microcredit Institutions | 第65页 |
| 4.6 Effects of Agricultural Microcredit Policies in Punjab | 第65-66页 |
| 4.7 Major Challenges of Microcredit Development in Southern Punjab | 第66-68页 |
| 4.7.1 Under-Developed Financial Inclusion Strategy | 第66页 |
| 4.7.2 Need for the Efficient Credit Scoring Basis | 第66-67页 |
| 4.7.3 Lack of Institutional Governance for Non-Bank Micro-Finance Providers | 第67页 |
| 4.7.4 Inadequate Branchless Banking | 第67页 |
| 4.7.5 Insufficient Funding Profile of Microcredit Institution | 第67-68页 |
| 4.7.6 Lack of Deposit Mobilization | 第68页 |
| 4.8 Brief Summary | 第68-69页 |
| 5 Analysis of Factors Influencing Demand of Agricultural Microcredit in SouthernPunjab | 第69-91页 |
| 5.1 Analysis Framework | 第69-70页 |
| 5.2 Data Source and Model Selection | 第70-77页 |
| 5.2.1 Study Area and Data Source | 第70-73页 |
| 5.2.2 Model Selection | 第73-77页 |
| 5.3 Analysis Framework | 第77-89页 |
| 5.3.1 Personal Characteristics of Respondents | 第78-83页 |
| 5.3.2 Probit Model Results to Evaluate Demand Factors of Microcredit | 第83-86页 |
| 5.3.3 Results of Logit Model to Evaluate the Microcredit Constraint Factors | 第86-89页 |
| 5.4 Brief Summary | 第89-91页 |
| 6 Benefit Analysis of Agricultural Microcredit in Southern Punjab | 第91-110页 |
| 6.1 Performance Analysis of Microcredit in Pakistan | 第91-98页 |
| 6.1.1 Scope and Outreach | 第91-92页 |
| 6.1.2 Sectoral Distribution of Microcredit | 第92-93页 |
| 6.1.3 Distribution of Microcredit in Agriculture Sector | 第93页 |
| 6.1.4 Gender Distribution | 第93-94页 |
| 6.1.5 Portfolio Distribution by Lending Methodology | 第94-95页 |
| 6.1.6 Assets Growth of Micro-Finance Provider (MFPs) | 第95-96页 |
| 6.1.7 Distribution of Microcredit Market Share among Micro-Finance Providers | 第96-97页 |
| 6.1.8 Perception of Small Farmers' Towards Microcredit Transaction Costs and InterestRate | 第97-98页 |
| 6.2 Data Source and Model Selection | 第98-101页 |
| 6.2.1 Analysis Framework | 第98-99页 |
| 6.2.2 Model Selection | 第99-101页 |
| 6.3 Results of Analysis | 第101-108页 |
| 6.3.1 Comparative Analysis of Microcredit Benefits | 第101-103页 |
| 6.3.2 Benefit Analysis of Microcredit on Agriculture Production | 第103-105页 |
| 6.3.3 Other Welfare Effects of Microcredit on Small-Farmers | 第105-108页 |
| 6.4 Brief Summary | 第108-110页 |
| 7 Analysis of Factors Affecting the Benefits of Agricultural Microcredit | 第110-123页 |
| 7.1 Analysis Framework | 第110-112页 |
| 7.2 Data Source and Model Selection | 第112-114页 |
| 7.2.1 Data Source | 第112页 |
| 7.2.2 Model Selection | 第112-114页 |
| 7.2.3 Definition and Selection of Variables | 第114页 |
| 7.3 Analysis of Results | 第114-119页 |
| 7.3.1 Impact of Social Factors | 第114-115页 |
| 7.3.2 Impact of Economic Factor | 第115-116页 |
| 7.3.3 Impact of Agriculture Production Technologies | 第116-117页 |
| 7.3.4 Impact of Environmental Factors | 第117页 |
| 7.3.5 Impact of Physical Factors | 第117-118页 |
| 7.3.6 Impact of Institutional Factor | 第118-119页 |
| 7.4 Model Results Regarding the Factors influencing Microcredit Benefits | 第119-121页 |
| 7.5 Brief Summary | 第121-123页 |
| 8 Improvement Strategies for Microcredit Benefits in Agriculture Sector of Punjab | 第123-133页 |
| 8.1 General Idea and Issues Affecting the Provision of Microfinance in Agriculture | 第123-124页 |
| 8.2 Strategies to Magnify the Expansion of Microfinance in Agriculture Sector | 第124-128页 |
| 8.2.1 Strategies to Improve Accessibility of Microcredit | 第125-126页 |
| 8.2.2 Strategies to Improve the Self-sufficiency of Micro-Finance Institutions | 第126-127页 |
| 8.2.3 Strategies to Improve Self-Sustainability of Micro-Finance Institutions | 第127-128页 |
| 8.3 Strategies to Develop a Conducive Environment for Microcredit and Agriculture | 第128-131页 |
| 8.3.1 Economic Structural Reforms | 第129页 |
| 8.3.2 Reforms for Agriculture Extensions and Production Technologies | 第129页 |
| 8.3.3 Protection of Banking Theorem | 第129-130页 |
| 8.3.4 Agriculture Marketing Reforms | 第130页 |
| 8.3.5 Financial Intermediation Reforms | 第130页 |
| 8.3.6 Long-Term Strategy for Rural Financial Sector Development | 第130-131页 |
| 8.3.7 Establishing Rural Farmers Association | 第131页 |
| 8.4 Role of Government and International Donors | 第131-132页 |
| 8.4.1 Role of Government | 第131页 |
| 8.4.2 Role of International Donor Agencies and NGOs | 第131页 |
| 8.4.3 Revival of Farmer Cooperatives | 第131-132页 |
| 8.5 Brief Summary | 第132-133页 |
| 9 Conclusion | 第133-141页 |
| 9.1 Conclusion | 第133-139页 |
| 9.2 Suggestions for Future Research | 第139页 |
| 9.3 Innovative Points and Insufficient of the Research | 第139-141页 |
| 9.3.1 Innovative Points of the Research | 第139-140页 |
| 9.3.2 Insufficient of the Research | 第140-141页 |
| Acknowledgement | 第141-142页 |
| References | 第142-153页 |
| Appendix | 第153-159页 |
| Papers Published in the period of Ph.D.Education | 第159页 |
