本文選題：農(nóng)村融資　切入點：擔(dān)保模式　出處：《西南大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著新農(nóng)村建設(shè)的逐步推進(jìn),農(nóng)村經(jīng)濟(jì)結(jié)構(gòu)日益多元化,對資金的需求逐年增長,然而農(nóng)村金融資源供給不足的問題長期存在,成為制約農(nóng)村經(jīng)濟(jì)發(fā)展且久攻不破的難題。究其原因,主要是農(nóng)村融資擔(dān)保制度存在嚴(yán)重缺陷,導(dǎo)致農(nóng)戶和農(nóng)村企業(yè)無法獲得相應(yīng)的金融資源。為解決農(nóng)村融資難,在中央政策的大力支持下,各地開展了對農(nóng)村融資擔(dān)保方式的積極探索。本文回應(yīng)現(xiàn)實需要,探究農(nóng)村融資擔(dān)保制度的基礎(chǔ)理論、現(xiàn)狀、問題、創(chuàng)新實踐,并在此基礎(chǔ)之上提出相應(yīng)的完善建議。 緒論部分：首先交代了本文的選題背景和現(xiàn)實意義,然后進(jìn)一步明確本文的寫作思路,并就本文所采用的研究方法做出說明,最后提出了本文中可能存在的一些創(chuàng)新和不足,以作為今后繼續(xù)努力的方向。 第一部分：農(nóng)村融資擔(dān)保制度的基本理論。本部分就融資、融資擔(dān)保制度概念作了明確的界定,并就融資擔(dān)保制度的法律關(guān)系進(jìn)行說明,將金融公平論和金融權(quán)利論作為農(nóng)村融資擔(dān)保制度的理論基礎(chǔ),為下文的研究提供理論支撐。 第二部分：對我國農(nóng)村融資擔(dān)保制度現(xiàn)狀的透視。我國農(nóng)村融資擔(dān)保的傳統(tǒng)模式包括抵押、質(zhì)押和保證三種。面對不斷變化的實踐,現(xiàn)在的擔(dān)保機制存在金融供給體系失衡、擔(dān)保模式創(chuàng)新不足、擔(dān)保資源匱乏和風(fēng)險因素較多等主要問題,究其原因,主要是法律制度滯后、農(nóng)村社會信用制度不健全、產(chǎn)權(quán)制度存在障礙以及風(fēng)險防范機制缺乏。 第三部分：對我國農(nóng)村融資擔(dān)保制度的實踐創(chuàng)新形式進(jìn)行分析。近年來,為盤活農(nóng)村資源,各地積極探索融資擔(dān)保的新形式,在農(nóng)村產(chǎn)權(quán)抵押融資制度和農(nóng)戶聯(lián)保制度改革中做出了大膽的嘗試,爭取建立政府搭臺、市場參與的融資擔(dān)保創(chuàng)新模式。出現(xiàn)了不動產(chǎn)抵押創(chuàng)新為主、中介機構(gòu)紛紛參與以及動產(chǎn)抵押、質(zhì)押創(chuàng)新增多的新趨勢。 第四部分：國外融資擔(dān)保模式的經(jīng)驗借鑒。相比之下,美國、法國、印度和巴西的農(nóng)村融資擔(dān)保制度比較完備,究其共性而言,法律制度完備、農(nóng)村金融體系合理、政府監(jiān)管職責(zé)明確是農(nóng)村融資擔(dān)保制度良好運行的重要保障。 第五部分：我國農(nóng)村融資擔(dān)保制度的完善。本部分是本文研究的落腳之處,在前面研究的基礎(chǔ)之上,提出了具有針對性的建議。與第二部分我國農(nóng)村融資擔(dān)保制度的困境相呼應(yīng),并從擔(dān)保模式創(chuàng)新、擴(kuò)大農(nóng)村擔(dān)保物范圍、產(chǎn)權(quán)制度改革和配套機制完善四個大的方面著手,提出了具體的改善措施,以建立一套符合我國國情的農(nóng)村融資擔(dān)保制度。
[Abstract]:With the gradual development of the new rural construction, the rural economic structure is becoming more and more diversified, and the demand for funds is increasing year by year. However, the problem of insufficient supply of rural financial resources has existed for a long time. It is a difficult problem to restrict the development of rural economy and cannot be broken down for a long time. The main reason is that there are serious defects in the guarantee system of rural financing, which results in the farmers and rural enterprises being unable to obtain the corresponding financial resources. With the support of the central policy, various localities have carried out active exploration of the rural financing guarantee mode. This paper responds to the practical needs and explores the basic theory, current situation, problems and innovative practice of the rural financing guarantee system. And on this basis put forward the corresponding improvement suggestions. Introduction: first of all, it explains the background and practical significance of this paper, then further clarifies the writing ideas of this paper, and explains the research methods adopted in this paper. Finally, it points out some innovations and shortcomings that may exist in this paper. In order to continue efforts in the future direction. The first part: the basic theory of rural financing guarantee system. This part makes a clear definition of financing and the concept of financing guarantee system, and explains the legal relationship of financing security system. The theory of financial equity and financial rights is regarded as the theoretical basis of rural financing guarantee system, which provides theoretical support for the following research. The second part: the perspective of the current situation of the rural financing guarantee system in our country. The traditional mode of the rural financing guarantee in our country includes three kinds: mortgage, pledge and guarantee. In the face of the changing practice, there is an imbalance of the financial supply system in the current guarantee mechanism. The main problems such as insufficient innovation of guarantee mode, shortage of guarantee resources and many risk factors are mainly due to the lag of legal system, unsound rural social credit system, obstacles to property right system and lack of risk prevention mechanism. In recent years, in order to activate the rural resources, all regions actively explore new forms of financing guarantee. In the reform of the rural property right mortgage financing system and the rural household protection system, the author made a bold attempt to establish the innovative mode of financing guarantee in which the government set up a platform and participated in the market. Intermediary institutions have participated and chattel mortgage, pledge innovation increased new trend. Part 4th: the experience of foreign financing guarantee model. By contrast, the rural financing guarantee system of the United States, France, India and Brazil is relatively complete. In general, the legal system is complete and the rural financial system is reasonable. The clear responsibility of government supervision is an important guarantee for the good operation of rural financing guarantee system. Part 5th: the perfection of China's rural financing guarantee system. This part is the foothold of this paper, based on the previous research, Some suggestions are put forward, which echo the dilemma of the second part of our country's rural financing guarantee system, and start from four aspects: the innovation of guarantee mode, the expansion of the scope of rural collateral, the reform of property right system and the perfection of supporting mechanism. The concrete improvement measures are put forward in order to establish a set of rural financing guarantee system in accordance with the national conditions of our country.
【學(xué)位授予單位】：西南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：D922.28;F832.4

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