本文選題：農(nóng)戶　切入點：農(nóng)村信用社　出處：《云南師范大學(xué)》2013年碩士論文

【摘要】：全面建設(shè)小康社會，實現(xiàn)共同富裕是黨的“十六大”報告提出的奮斗目標，黨的“十八大”報告進一步明確提出了兩個“一百年”的奮斗目標，即在中國共產(chǎn)黨成立100年時全面建成小康社會，在新中國成立100年時建成富強、民主、文明、和諧的社會主義現(xiàn)代化國家。實現(xiàn)國家富強、民族振興、人民幸福的“中國夢”，最艱巨、最繁重的任務(wù)在農(nóng)村，最根本的立足點在于農(nóng)民，最根本的途徑在于增加農(nóng)民收入，發(fā)展“三農(nóng)”經(jīng)濟。金融作為經(jīng)濟的重要組成部分，金融的發(fā)展速度、規(guī)模和運行效率決定了經(jīng)濟的發(fā)展速度、規(guī)模和運行效率。農(nóng)村信用社作為農(nóng)村經(jīng)濟的重要組成部分，在支持農(nóng)村經(jīng)濟的發(fā)展中發(fā)揮著重要的重要的作用。然而，當(dāng)前農(nóng)村金融的現(xiàn)實狀況是廣大農(nóng)戶由于資金需求金額小和缺乏信貸抵押品，難以獲得信用社的貸款，農(nóng)村信用社供需總量失衡、結(jié)構(gòu)錯位。 本文基于建設(shè)社會主義新農(nóng)村的基本視角，為了促進深化農(nóng)村金融體制改革、規(guī)范發(fā)展適合農(nóng)村特點的金融組織和改善農(nóng)村金融服務(wù)的目標，基于農(nóng)戶信貸需求特征對云南農(nóng)村信用社服務(wù)體系構(gòu)建進行研究，探索建立適應(yīng)社會主義市場經(jīng)濟條件下的農(nóng)村金融服務(wù)，并運用規(guī)范研究，理論與實踐相結(jié)合的研究方法，系統(tǒng)分析了云南農(nóng)戶信貸資金需求的現(xiàn)狀與特征，揭示了云南農(nóng)村信用社供給瓶頸，尋求從根本上解決這些瓶頸的途徑。本文在結(jié)構(gòu)安排上包括六個章節(jié)： 第一章，緒論，主要介紹研究的問題及背景、目標及思路、內(nèi)容及結(jié)構(gòu)、方法及資料；第二章，理論借鑒與概念框架，主要歸納金融組織理論和農(nóng)村金融發(fā)展理論的基本內(nèi)容，介紹農(nóng)村信用社相關(guān)概念和目標；第三章，國內(nèi)外金融服務(wù)對云南農(nóng)村信用社服務(wù)體系構(gòu)建啟示；第四章，云南農(nóng)戶信貸需求分析，主要從理論和實證兩方面分析了農(nóng)戶信貸需求的產(chǎn)生及其特征；第五章，云南農(nóng)村信用社供給現(xiàn)狀與瓶頸分析，主要運用統(tǒng)計分析方法分析了當(dāng)前云南農(nóng)村信用社的現(xiàn)狀、問題及原因；第六章，研究結(jié)論及其展望，，對前文的分析和論述做出簡要的總結(jié)，并針對如何構(gòu)建云南農(nóng)村信用社服務(wù)體系提出切實可行的政策建議。
[Abstract]:Building a well-off society in an all-round way and realizing common prosperity are the goals set forth in the report of the 16th National Congress of the Communist Party of China. The report of the 18th National Congress of the Communist Party of China has further clearly set forth two objectives for the struggle of "one hundred years". That is, to build a well-off society in an all-round way when the Communist Party of China was founded for 100 years, and to build a prosperous, strong, democratic, civilized and harmonious socialist modern country at the time of the founding of New China, so as to realize the prosperity and strength of the country and the rejuvenation of the nation. The most arduous and arduous task of the people's happy "Chinese Dream" lies in the countryside. The most fundamental foothold lies in the peasants, and the most fundamental way is to increase the peasants' income and develop the "three rural areas" economy. Finance is an important part of the economy. The speed, scale and efficiency of financial development determine the speed, scale and efficiency of economic development. Rural credit cooperatives as an important part of rural economy, It plays an important role in supporting the development of rural economy. However, the reality of rural finance at present is that it is difficult for farmers to obtain loans from credit cooperatives due to their small capital demand and lack of credit collateral. Rural credit cooperatives supply and demand imbalance, structural dislocation. Based on the basic perspective of building a new socialist countryside, this paper aims at promoting the deepening of the reform of the rural financial system, standardizing the development of financial organizations suitable for the characteristics of the rural areas, and improving the rural financial services. Based on the characteristics of farmers' credit demand, this paper studies the construction of service system of Yunnan Rural Credit Cooperatives, explores the establishment of rural financial services under the conditions of socialist market economy, and applies normative research, theoretical and practical research methods. This paper systematically analyzes the present situation and characteristics of the demand for credit funds of rural households in Yunnan, reveals the supply bottlenecks of Yunnan rural credit cooperatives, and seeks to find a way to solve these bottlenecks fundamentally. The first chapter, introduction, mainly introduces the research problems and background, objectives and ideas, content and structure, methods and materials; the second chapter, theoretical reference and conceptual framework, It mainly summarizes the basic contents of financial organization theory and rural financial development theory, introduces the related concepts and objectives of rural credit cooperatives; chapter three, the inspiration of domestic and foreign financial services to the construction of service system of Yunnan rural credit cooperatives; chapter four, The analysis of the credit demand of rural households in Yunnan, mainly from the theoretical and empirical analysis of the emergence and characteristics of farmers' credit demand. Chapter five, the supply of rural credit cooperatives in Yunnan Province and bottleneck analysis, This paper mainly analyzes the current situation, problems and reasons of Yunnan Rural Credit Cooperatives by means of statistical analysis. Chapter VI, the research conclusions and prospects, makes a brief summary of the previous analysis and discussion. And put forward practical policy suggestions on how to construct the service system of Yunnan Rural Credit Cooperative.
【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.43

【參考文獻】

相關(guān)期刊論文 前10條

1 謝家智,蒲林昌;政府誘導(dǎo)型農(nóng)業(yè)保險發(fā)展模式研究[J];保險研究;2003年11期

2 郭興平;;基于電子化金融服務(wù)創(chuàng)新的普惠型農(nóng)村金融體系重構(gòu)研究[J];財貿(mào)經(jīng)濟;2010年03期

3 冉光和,王定祥,熊德平;金融產(chǎn)業(yè)可持續(xù)發(fā)展理論的內(nèi)涵[J];管理世界;2004年04期

4 黃祖輝;劉西川;程恩江;;中國農(nóng)戶的信貸需求:生產(chǎn)性抑或消費性——方法比較與實證分析[J];管理世界;2007年03期

5 李華明;龔鈺涵;;健全與完善我國農(nóng)村金融基礎(chǔ)服務(wù)體系[J];湖南涉外經(jīng)濟學(xué)院學(xué)報;2008年01期

6 倪建輝;;農(nóng)信社金融服務(wù)與社會主義新農(nóng)村建設(shè)[J];江�？v橫;2006年06期

7 溫濤,冉光和,王煜宇;金融產(chǎn)業(yè)可持續(xù)發(fā)展運行機制研究[J];金融理論與實踐;2004年01期

8 胡金焱,張樂;非正規(guī)金融與小額信貸:一個理論述評[J];金融研究;2004年07期

9 張杰;農(nóng)戶、國家與中國農(nóng)貸制度:一個長期視角[J];金融研究;2005年02期

10 陳滌非;張海蔚;孫小光;;江蘇省農(nóng)村金融保障體系建設(shè)中存在的主要問題及政策建議[J];金融縱橫;2009年02期

本文編號：1662593