廣東增城市農村金融信用體系建設研究
發(fā)布時間：2019-02-15 20:08
【摘要】：進入新世紀以后,我國金融業(yè)得到前所未有的發(fā)展。金融市場逐漸形成村金融市場與城市金融市場的二元市場體系,城市金融市場發(fā)展逐漸趨于完善,其利潤空間逐漸降低,此時大力發(fā)展農村金融市場對于金融機構講就顯得格外重要。農村金融市場建設關鍵在于農村金融信用的建設,由于傳統(tǒng)誠信因素的影響,農村金融誠信建設還處于初級階段,因而缺乏誠信的現(xiàn)象廣泛存在,導致農村金融市場發(fā)展緩慢。從農村金融市場現(xiàn)狀來看,農村居民收入來源相對單一,主要來源于農產品的市場效益,然而這種效益受自然災害、市場規(guī)律的影響嚴重；同時農村居民缺乏必要的抵押物以獲取金融資金。除此之外,由于農村金融市場發(fā)展還相對滯后,金融風險廣泛存在,對于希望依靠金融投資實現(xiàn)致富夢想的農村居民來講就成為最大的阻礙。 本文運用實證分析和規(guī)范分析相結合、定性分析和定量分析相結合、文獻分析法等分析方法以廣東增城市農村金融信用現(xiàn)狀及建設中存在的問題進行深入的研究,以此來了解農村金融信用的實質及存在問題的原因,并在此基礎上提出提升農村金融信用的可行性措施。首先本文對研究背景、意義及相關金融信用的理論進行了剖析,從理論角度對農村金融信用展開分析,為后文結合廣東增城市農信信用的案例實證研究奠定了理論基礎。然后本文對廣東增城市農信金融信用的現(xiàn)狀、問題及成因進行研究,研究表明當前廣東增城市農村金融信用還存在金融信用缺失相對比較普遍、誠信意識較弱、法律意識較弱等問題,引起這些問題的影響因素相對比較復雜,包括社會因素、行政因素、農村居民因素、行業(yè)因素等。最后,本文從政府角度、農村社會環(huán)境角度、行業(yè)角度提出了具有一定實踐價值的對策建議。 本文相對系統(tǒng)的對當前農村金融信用理論進行了梳理,同時結合實踐經驗對理論進行了進一步充實。在此基礎上,本文選擇廣東增城市為例進行農村金融信用探討,在一定程度上為推動增城市農村金融業(yè)的發(fā)展提供了一定的借鑒。除此之外,本文結合廣東增城農村金融信用角度現(xiàn)狀,提出了具有一定現(xiàn)實意義的舉措,立體化的詮釋了農村金融信用的影響因素,為政策制定者、金融從業(yè)者等提供了一定借鑒。
[Abstract]:After entering the new century, China's financial industry has been unprecedented development. The financial market has gradually formed a dual market system between the village financial market and the urban financial market. The development of the urban financial market has gradually become more and more perfect, and its profit space has gradually decreased. At this time, the development of rural financial markets for financial institutions is particularly important. The key to the construction of rural financial market lies in the construction of rural financial credit. Because of the influence of traditional credit factors, the construction of rural financial honesty is still in the primary stage, so the phenomenon of lack of good faith widely exists, which leads to the slow development of rural financial market. From the current situation of rural financial market, the income of rural residents is relatively single, mainly from the market benefits of agricultural products, but this benefit is affected by natural disasters and market laws. At the same time, rural residents lack the necessary collateral to obtain financial funds. In addition, because the development of rural financial market is still relatively lagging, the financial risk exists widely, which is the biggest obstacle for rural residents who want to rely on financial investment to realize their dream of becoming rich. This paper combines the empirical analysis with the normative analysis, the qualitative analysis with the quantitative analysis, the literature analysis method and so on, carries on the thorough research to the present situation of rural finance credit and the existing problems in the construction of Zengcheng City, Guangdong Province. In order to understand the essence of rural financial credit and the reasons for the problems, and on the basis of this, put forward the feasible measures to enhance rural financial credit. First of all, this paper analyzes the background, significance and related financial credit theory, and analyzes rural financial credit from a theoretical perspective, which lays a theoretical foundation for the case study of rural credit in Zengcheng city, Guangdong Province. Then this paper studies the current situation, problems and causes of the financial credit of agricultural credit in Zengcheng city, Guangdong province. The research shows that the financial credit in rural areas of Zengcheng city of Guangdong province is still lack of financial credit, and the sense of good faith is relatively weak. The influence factors that cause these problems are relatively complex, including social factors, administrative factors, rural residents' factors, trade factors and so on. Finally, this paper puts forward some practical suggestions from the angle of government, rural social environment and industry. This paper systematically combs the current rural financial credit theory, and further enriches the theory with practical experience. On this basis, this paper chooses Zengcheng city in Guangdong province as an example to discuss the rural financial credit, to a certain extent, it provides some reference for promoting the development of rural financial industry in Zengcheng city. In addition, this paper combines the current situation of rural financial credit in Zengcheng, Guangdong Province, and puts forward some practical measures, which explain the influencing factors of rural financial credit, and become policy makers. Financial practitioners and so on to provide certain reference.
【學位授予單位】：仲愷農業(yè)工程學院
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.7
本文編號：2423657
[Abstract]:After entering the new century, China's financial industry has been unprecedented development. The financial market has gradually formed a dual market system between the village financial market and the urban financial market. The development of the urban financial market has gradually become more and more perfect, and its profit space has gradually decreased. At this time, the development of rural financial markets for financial institutions is particularly important. The key to the construction of rural financial market lies in the construction of rural financial credit. Because of the influence of traditional credit factors, the construction of rural financial honesty is still in the primary stage, so the phenomenon of lack of good faith widely exists, which leads to the slow development of rural financial market. From the current situation of rural financial market, the income of rural residents is relatively single, mainly from the market benefits of agricultural products, but this benefit is affected by natural disasters and market laws. At the same time, rural residents lack the necessary collateral to obtain financial funds. In addition, because the development of rural financial market is still relatively lagging, the financial risk exists widely, which is the biggest obstacle for rural residents who want to rely on financial investment to realize their dream of becoming rich. This paper combines the empirical analysis with the normative analysis, the qualitative analysis with the quantitative analysis, the literature analysis method and so on, carries on the thorough research to the present situation of rural finance credit and the existing problems in the construction of Zengcheng City, Guangdong Province. In order to understand the essence of rural financial credit and the reasons for the problems, and on the basis of this, put forward the feasible measures to enhance rural financial credit. First of all, this paper analyzes the background, significance and related financial credit theory, and analyzes rural financial credit from a theoretical perspective, which lays a theoretical foundation for the case study of rural credit in Zengcheng city, Guangdong Province. Then this paper studies the current situation, problems and causes of the financial credit of agricultural credit in Zengcheng city, Guangdong province. The research shows that the financial credit in rural areas of Zengcheng city of Guangdong province is still lack of financial credit, and the sense of good faith is relatively weak. The influence factors that cause these problems are relatively complex, including social factors, administrative factors, rural residents' factors, trade factors and so on. Finally, this paper puts forward some practical suggestions from the angle of government, rural social environment and industry. This paper systematically combs the current rural financial credit theory, and further enriches the theory with practical experience. On this basis, this paper chooses Zengcheng city in Guangdong province as an example to discuss the rural financial credit, to a certain extent, it provides some reference for promoting the development of rural financial industry in Zengcheng city. In addition, this paper combines the current situation of rural financial credit in Zengcheng, Guangdong Province, and puts forward some practical measures, which explain the influencing factors of rural financial credit, and become policy makers. Financial practitioners and so on to provide certain reference.
【學位授予單位】：仲愷農業(yè)工程學院
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.7
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