本文關(guān)鍵詞：福建省農(nóng)村信用社信貸支農(nóng)效率及優(yōu)化途徑研究　出處：《福建農(nóng)林大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村信用社 信貸支農(nóng) 效率 DEA 多元回歸分析 影響因素

【摘要】：農(nóng)村信用社是扶持農(nóng)村金融的主力軍,是聯(lián)系農(nóng)民的橋梁和紐帶。近幾年,隨著國有商業(yè)銀行逐漸撤出農(nóng)村,農(nóng)村信用社信貸支農(nóng)的功能也隨即增強(qiáng)。對(duì)福建省農(nóng)村信用社信貸支農(nóng)效率進(jìn)行系統(tǒng)研究的重要意義體現(xiàn)在：一是有利于提高福建省農(nóng)村信用社信貸支農(nóng)效率；二是有利于強(qiáng)化福建省農(nóng)村信用社服務(wù)“三農(nóng)”功能；三是有利于促進(jìn)福建農(nóng)村經(jīng)濟(jì)發(fā)展和農(nóng)民增收致富。同時(shí),本文還通過分析福建省農(nóng)村信用社信貸支農(nóng)業(yè)務(wù)情況及存在的問題,借鑒國外農(nóng)村信用合作組織和國內(nèi)各省農(nóng)村信用社的成功經(jīng)驗(yàn),采用2006-2010年這五年福建省農(nóng)村信用社和農(nóng)村經(jīng)濟(jì)發(fā)展中的相關(guān)數(shù)據(jù)對(duì)福建省農(nóng)村信用社信貸支農(nóng)效率進(jìn)行測度評(píng)價(jià),以期發(fā)現(xiàn)影響福建省農(nóng)村信用社信貸支農(nóng)效率的主要因素,從而有針對(duì)性地提出優(yōu)化福建省農(nóng)村信用社信貸支農(nóng)效率途徑,為更好的解決農(nóng)村金融資金供給不足,消除農(nóng)業(yè)轉(zhuǎn)型發(fā)展的“瓶頸”,并為進(jìn)一步深化福建省農(nóng)村信用社改革、制定福建省農(nóng)村信用社信貸支農(nóng)政策提供可行性意見。 本文主要圍繞以下七個(gè)章節(jié)展開研究：第一章引言,內(nèi)容包括論文研究的背景、目的及其意義,國內(nèi)外文獻(xiàn)綜述,論文研究的內(nèi)容和方法等；第二章探討了農(nóng)村信用社信貸支農(nóng)效率的研究理論；第三章探討了福建省農(nóng)村信用社信貸支農(nóng)的現(xiàn)狀及存在問題,并分析了福建省農(nóng)村信用社支農(nóng)貸款對(duì)農(nóng)村經(jīng)濟(jì)的貢獻(xiàn)度；第四章選取福建省九個(gè)地區(qū)的農(nóng)村信用社作為實(shí)證分析的研究對(duì)象,采用DEA分析方法對(duì)福建省農(nóng)村信用社信貸支農(nóng)效率進(jìn)行測算與評(píng)價(jià)；第五章運(yùn)用多元回歸分析法對(duì)影響福建省農(nóng)村信用社信貸支農(nóng)效率的因素進(jìn)行分析,從中找尋出影響福建省農(nóng)村信用社信貸支農(nóng)效率的主要因素；第六章提出了優(yōu)化福建省農(nóng)村信用社信貸支農(nóng)效率的途徑；第七章結(jié)語,回顧本研究所得結(jié)論并對(duì)文章研究中所存在的不足進(jìn)行闡述,以期未來能夠以此為基礎(chǔ)進(jìn)行更深入的研究。 本文研究所得出的主要結(jié)論：一是福建省農(nóng)村信用社支農(nóng)貸款對(duì)福建省農(nóng)業(yè)總產(chǎn)值具有顯著的相關(guān)性,說明福建省農(nóng)村信用社支農(nóng)貸款是影響福建省農(nóng)村總產(chǎn)值增長的重要因素,同時(shí)擴(kuò)大福建省農(nóng)村信用社支農(nóng)貸款也有利于提高福建省農(nóng)業(yè)產(chǎn)出水平。二是2006-2010年期間福建省農(nóng)村信用社信貸支農(nóng)效率較高,全省技術(shù)效率均在0.90以上。但在2010年有較明顯回落且各地區(qū)效率存在較大差距,寧德的農(nóng)村信用社信貸支農(nóng)效率高于其他8個(gè)地區(qū),而漳州的農(nóng)村信用社信貸支農(nóng)效率最低。三是業(yè)務(wù)結(jié)構(gòu)(涉農(nóng)貸款比例)及資產(chǎn)配置水平(存貸比)對(duì)福建省農(nóng)村信用社信貸支農(nóng)效率產(chǎn)生正向重要影響,而農(nóng)業(yè)環(huán)境(當(dāng)?shù)氐谝划a(chǎn)業(yè)GDP比例)和資產(chǎn)質(zhì)量(不良貸款率)對(duì)福建省農(nóng)村信用社信貸支農(nóng)效率產(chǎn)生反向重要影響。四是優(yōu)化福建省農(nóng)村信用社信貸支農(nóng)效率的途徑為：構(gòu)建良好福建農(nóng)村金融環(huán)境；堅(jiān)持福建省農(nóng)村信用社信貸支農(nóng)經(jīng)營方向;完善福建省農(nóng)村信用社農(nóng)戶信用貸款方式；強(qiáng)化福建省農(nóng)村信用社市場營銷管理手段；提高福建省農(nóng)村信用社信貸資產(chǎn)管理水平。
[Abstract]:Rural credit cooperatives are the main force of rural financial support, is a bridge to link farmers. In recent years, with the gradual withdrawal of state-owned commercial banks in rural areas, rural credit cooperative supporting agriculture function was also enhanced. The agriculture efficiency of rural credit cooperatives in Fujian province credit system research significance is reflected in: a to improve the efficiency of agriculture of Fujian province rural credit cooperative; two is conducive to the strengthening of rural credit cooperatives in Fujian province "three rural" service function; the three is to promote the Fujian rural economic development and farmers' income. At the same time, this article also through the analysis of the agriculture business in Fujian province rural credit cooperatives credit situation and the existing problems, learn from the successful experience rural credit cooperative organizations in foreign and domestic provinces of rural credit cooperatives, with 2006-2010 in five years of Fujian Province Rural Credit Cooperatives and rural economic development in the relevant number According to the measure of efficiency evaluation of agriculture in Fujian province rural credit cooperative, in order to find the main factors affecting the efficiency of agriculture of Fujian province rural credit cooperative, in order to put forward effective way to optimize the agriculture in Fujian province rural credit cooperative, to better solve the shortage of rural financial capital supply, the elimination of agricultural restructuring and development of the "bottleneck", and to further deepen the reform of rural credit cooperatives in Fujian Province, provide the feasible advice to develop policies for supporting agriculture in Fujian province rural credit cooperative.
This paper mainly includes the following seven chapters: the first chapter is introduction, the research content includes the research background, purpose and significance, literature review, research contents and methods; the second chapter discusses the theoretical research of agriculture efficiency of rural credit cooperative; the third chapter discusses the current situation of rural credit cooperative supporting agriculture in Fujian province and the existing problems, and analyzes the contribution of rural credit loan for agriculture in Fujian Province on the rural economy; the fourth chapter is the analysis of the research object from nine regions of Fujian province rural credit cooperatives as an example, using the DEA analysis method to measure and evaluate the efficiency of agriculture in Fujian Province rural credit cooperative; the fifth chapter uses the multiple regression analysis of the influencing factors of the efficiency of agriculture in Fujian province rural credit cooperatives credit method, to find out the influence of rural credit cooperative supporting agriculture in Fujian Province The main factors of efficiency; the sixth chapter puts forward the way to optimize the efficiency of agriculture in Fujian province rural credit cooperative; the seventh chapter reviews the conclusions of this study and the insufficiency of the research is discussed in this paper, in order to use it as the basis for future research further.
The main conclusions of this paper are drawn from the research: one is the rural credit loan for agriculture in Fujian province has significant correlation to the total output value of agriculture in Fujian Province, the loan of rural credit cooperatives for agriculture in Fujian province is an important factor affecting rural output growth in Fujian Province, while expanding loans of rural credit cooperatives for agriculture in Fujian province is conducive to the improvement of agriculture in Fujian province the level of output is two. During the period of 2006-2010 in Fujian province rural credit cooperative agriculture with high efficiency, the technical efficiency was above 0.90. But in 2010 had dropped significantly and the efficiency gap, Ningde rural credit cooperatives credit support efficiency is higher than that of the other 8 regions, and Zhangzhou have the lowest efficiency in support of rural credit cooperatives three. Credit is the business structure (the proportion of agricultural loans) and asset allocation level (deposit ratio) has a positive weight on the efficiency of agriculture in Fujian Province Rural Credit Cooperative To influence, and agricultural environment (local industry first GDP ratio) and the quality of the assets (non-performing loan ratio) have an important influence on the backward agriculture efficiency of rural credit cooperatives in Fujian province. Four is the way to optimize the credit support efficiency of rural credit cooperatives in Fujian province credit for Fujian to build a good environment for rural finance; adhere to the Fujian province rural credit cooperative agriculture management direction; perfecting the rural credit cooperatives in Fujian Province farmers credit loans of rural credit cooperatives in Fujian province; strengthen marketing management; improve the rural credit cooperatives in Fujian province credit asset management level.

【學(xué)位授予單位】：福建農(nóng)林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

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