發(fā)布時(shí)間：2018-12-06 22:02

【摘要】：要提高農(nóng)民收入、解決“三農(nóng)”問題，建設(shè)社會(huì)主義新農(nóng)村，解決農(nóng)村金融供給不足的問題，中國的農(nóng)村金融急需提供新的供給主體并在組織上和制度上進(jìn)行創(chuàng)新。經(jīng)過多年的醞釀和調(diào)研，2006年國家開始調(diào)整和放寬農(nóng)村地區(qū)銀行業(yè)機(jī)構(gòu)的準(zhǔn)入政策，村鎮(zhèn)銀行是在這一背景下誕生的，并得到迅速發(fā)展。黑龍江省是中國的農(nóng)業(yè)大省之一，農(nóng)業(yè)、農(nóng)村、農(nóng)民問題更為突出，，特別是農(nóng)村金融供給問題是新農(nóng)村建設(shè)的重要影響因素，村鎮(zhèn)銀行的設(shè)立能否解決農(nóng)村金融的供給問題，完成支農(nóng)的使命，對黑龍江省村鎮(zhèn)銀行支農(nóng)效果的研究具有一定的典型性。本研究重點(diǎn)圍繞黑龍江省村鎮(zhèn)銀行支農(nóng)問題進(jìn)行研究，研究的主要內(nèi)容包括以下幾個(gè)方面： （1）村鎮(zhèn)銀行支農(nóng)的理論探討。農(nóng)村地區(qū)金融供給不足，是中國存在的普遍性問題。研究村鎮(zhèn)銀行支農(nóng)問題首先需要從理論上界定村鎮(zhèn)銀行的相關(guān)概念，尋找金融支農(nóng)的理論依據(jù)，明確村鎮(zhèn)銀行作為金融組織支農(nóng)的合法性、科學(xué)性、有效性問題。 （2）黑龍江省村鎮(zhèn)銀行的發(fā)展歷程及存在的問題。以黑龍江省村鎮(zhèn)銀行為研究對象，回顧全國村鎮(zhèn)銀行的發(fā)展歷程及黑龍江省村鎮(zhèn)銀行的現(xiàn)狀，總結(jié)分析黑龍江省村鎮(zhèn)銀行面臨的發(fā)展瓶頸，并探討產(chǎn)生這些問題的深層次原因。 （3）黑龍江省村鎮(zhèn)銀行支農(nóng)經(jīng)濟(jì)和社會(huì)績效問題。村鎮(zhèn)銀行是一種商業(yè)性金融機(jī)構(gòu)，盈利性是商業(yè)組織的天性，支農(nóng)是村鎮(zhèn)銀行設(shè)立的初衷和目標(biāo)，這就產(chǎn)生了村鎮(zhèn)銀行的經(jīng)濟(jì)效益和社會(huì)效益的矛盾，從理論、實(shí)證和政策三個(gè)層面系統(tǒng)地對黑龍江省村鎮(zhèn)銀行的支農(nóng)效應(yīng)進(jìn)行分析評價(jià)。 （4）促進(jìn)黑龍江省村鎮(zhèn)銀行有效支農(nóng)的對策建議。在歸納總結(jié)國內(nèi)其他省份村鎮(zhèn)銀行支農(nóng)的發(fā)展模式和經(jīng)驗(yàn)教訓(xùn)的基礎(chǔ)上，提出促進(jìn)黑龍江省村鎮(zhèn)銀行發(fā)展，充分發(fā)揮其支農(nóng)功能的對策建議：第一，村鎮(zhèn)銀行不斷加大對農(nóng)信貸業(yè)務(wù)的力度，創(chuàng)新支農(nóng)業(yè)務(wù)模式，尋找合理的效益增長點(diǎn)；第二，改善農(nóng)村金融的生態(tài)環(huán)境，從制度環(huán)境、法律環(huán)境和擔(dān)保體系等方面保障村鎮(zhèn)銀行的支農(nóng)功能的充分發(fā)揮。
[Abstract]:In order to raise farmers' income, solve the problem of "three rural areas", build a new socialist countryside and solve the problem of insufficient supply of rural finance, China's rural finance urgently needs to provide a new main body of supply and innovate in organization and system. After years of brewing and investigation, in 2006, the country began to adjust and relax the access policy of banking institutions in rural areas, and village banks were born under this background and developed rapidly. Heilongjiang Province is one of the major agricultural provinces in China. The problems of agriculture, rural areas and farmers are more prominent. Especially, the problem of rural financial supply is an important factor affecting the construction of new rural areas. Can the establishment of village and town banks solve the supply problem of rural finance? In order to complete the mission of supporting agriculture, the research on the effect of supporting agriculture of Heilongjiang Village Bank is typical. The main contents of this study are as follows: (1) the theoretical discussion of rural bank supporting agriculture in Heilongjiang province. Insufficient financial supply in rural areas is a common problem in China. To study the problem of supporting agriculture in village bank, we should define the related concept of village bank theoretically, find the theoretical basis of financial support for agriculture, and clarify the legitimacy, science and validity of village bank as a financial organization to support agriculture. (2) the development course and existing problems of Heilongjiang Village and Town Bank. Taking the village bank of Heilongjiang province as the research object, this paper reviews the development course of the village bank in the whole country and the present situation of the village bank in Heilongjiang province, summarizes and analyzes the bottleneck of the development of the village bank in Heilongjiang province, and probes into the deep-seated causes of these problems. (3) the economic and social performance of rural banks in Heilongjiang province. The village bank is a kind of commercial financial institution, profitability is the nature of the commercial organization, supporting agriculture is the original intention and goal of the village bank, which has produced the contradiction between the economic and social benefits of the village bank. This paper systematically analyzes and evaluates the agricultural support effect of Heilongjiang Village Bank in three levels: demonstration and policy. (4) the countermeasures and suggestions to promote the village bank in Heilongjiang province to support agriculture effectively. On the basis of summing up the development model and experience and lessons of rural banks in other provinces of China, this paper puts forward some countermeasures and suggestions for promoting the development of village banks in Heilongjiang Province and giving full play to their function of supporting agriculture: first, Village and town banks constantly increase the strength of agricultural credit business, innovate the mode of supporting agriculture business, and look for a reasonable point of benefit growth; Secondly, the ecological environment of rural finance should be improved, and the system environment, legal environment and guarantee system should be guaranteed to give full play to the function of supporting agriculture of rural banks.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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