【摘要】：黑龍江是農(nóng)業(yè)大省。農(nóng)業(yè)總?cè)丝谶_(dá)1889.8萬人，占全省49.2%。全省所有的市縣區(qū)都涉農(nóng)，最大城市哈爾濱所轄區(qū)縣的全部農(nóng)業(yè)人口也超過了城市人口。農(nóng)民要進(jìn)城、農(nóng)業(yè)要產(chǎn)業(yè)化、農(nóng)村要城鎮(zhèn)化是不可逆轉(zhuǎn)的歷史潮流，金融支持涉農(nóng)區(qū)域的經(jīng)濟(jì)發(fā)展是其義不容辭的歷史責(zé)任。 從最基層的三農(nóng)（農(nóng)村、農(nóng)業(yè)、農(nóng)民。下同）做起，培育新的城市群離不開金融的支持和金融創(chuàng)新，而中國金融領(lǐng)域的改革與創(chuàng)新相對滯后，金融工具不足，尤其是對三農(nóng)的支持不足，有目共睹。黑龍江省經(jīng)濟(jì)在全國屬于相對落后的省份，金融發(fā)展和金融服務(wù)也低于全國平均水平，其金融組織結(jié)構(gòu)不盡合理，銀行壟斷性高，非銀行金融機(jī)構(gòu)的發(fā)展相對滯后，金融資產(chǎn)的形成過分依賴銀行貸款，，直接融資比重偏小，對三農(nóng)的支持也一直力度不大，因此，為使黑龍江金融發(fā)展與三農(nóng)經(jīng)濟(jì)發(fā)展相匹配，本文運(yùn)用區(qū)域經(jīng)濟(jì)與區(qū)域金融等理論，研究黑龍江在總體城市經(jīng)濟(jì)發(fā)展的背景下涉農(nóng)經(jīng)濟(jì)發(fā)展的金融支持以及相關(guān)方面的問題，并收集黑龍江省各層次城市經(jīng)濟(jì)發(fā)展與金融支持方面的數(shù)據(jù)資料進(jìn)行實(shí)證研究，基于黑龍江省的各層次城鎮(zhèn)經(jīng)濟(jì)發(fā)展現(xiàn)實(shí)基礎(chǔ)上，探索構(gòu)建黑龍江省金融支持促進(jìn)涉農(nóng)區(qū)域經(jīng)濟(jì)發(fā)展的路徑和模式。本文試圖在黑龍江充分借助農(nóng)墾系統(tǒng)經(jīng)營、管理優(yōu)勢，實(shí)施“銀墾合作，攜手共贏”發(fā)展模式的基礎(chǔ)上，破解我國四大國有銀行現(xiàn)階段農(nóng)貸發(fā)展難題。初步探索個(gè)人涉農(nóng)貸款發(fā)展模式，以“益農(nóng)貸”品牌為主體，積極拓展“農(nóng)場種植貸”、“農(nóng)房貸”、“農(nóng)機(jī)貸”，繼續(xù)探索“林農(nóng)貸”、“農(nóng)戶貸”、“收購貸”等農(nóng)業(yè)子產(chǎn)品。以金融支持三農(nóng)社會(huì)最基層的微觀主體---農(nóng)民入手，來促進(jìn)三農(nóng)微型企業(yè)的成長，進(jìn)而推進(jìn)三農(nóng)社會(huì)的城鎮(zhèn)化的進(jìn)程。
[Abstract]:Heilongjiang is a big agricultural province. The total agricultural population reached 18.898 million people, accounting for 49.2% of the province. All cities and counties in the province are concerned with agriculture, and the largest city, Harbin, has a more agricultural population than the urban population. It is an irreversible historical trend for farmers to go into cities, agriculture to industrialization, and urbanization for rural areas. It is their unshirkable historical responsibility to support the economic development of agriculture-related areas. From the most basic level of the three rural areas (rural, agriculture, farmers. To cultivate a new urban agglomeration can not be separated from financial support and financial innovation, but the reform and innovation in the financial field in China lags behind, and the financial instruments are insufficient, especially for agriculture, rural areas and farmers, which is obvious to all. The economy of Heilongjiang Province is relatively backward in the whole country, the financial development and financial services are also lower than the national average level, its financial organization structure is unreasonable, the bank monopoly is high, and the development of non-bank financial institutions is relatively lagging behind. The formation of financial assets is excessively dependent on bank loans, the proportion of direct financing is on the low side, and the support for agriculture, rural areas and farmers has not been strong all the time. Therefore, in order to match the financial development of Heilongjiang with the economic development of agriculture, rural areas and farmers, Based on the theories of regional economy and regional finance, this paper studies the financial support and related problems of agricultural economic development in Heilongjiang under the background of overall urban economic development. And collect all levels of urban economic development and financial support data for empirical research, based on Heilongjiang Province at all levels of urban economic development on the basis of the reality of economic development. To explore the ways and models of financial support to promote the regional economic development in Heilongjiang Province. This paper attempts to solve the problem of agricultural loan development of four state-owned banks in China on the basis of Heilongjiang's development mode of "cooperation of silver reclamation and win-win" based on the advantages of management and management of agricultural reclamation system. Exploring the development mode of individual agricultural loan, taking "benefit agricultural loan" brand as the main body, actively expanding "farm planting loan", "agricultural house loan", "agricultural machinery loan", and continuing to explore "forest agricultural loan" and "peasant household loan". "purchase loan" and other agricultural sub-products. In order to promote the growth of agriculture, rural areas and microenterprises, and promote the process of urbanization of the rural, rural areas and farmers society, we should start with the micro main body of financial support for agriculture, rural areas and farmers, that is, the farmers at the basic level.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F127;F832.7

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