本文選題：農(nóng)業(yè)貸款　切入點(diǎn)：銀根緊縮　出處：《湖南農(nóng)業(yè)大學(xué)》2012年碩士論文

【摘要】：為應(yīng)對(duì)金融危機(jī),政府往往對(duì)貨幣政策進(jìn)行調(diào)整,導(dǎo)致農(nóng)業(yè)經(jīng)濟(jì)建設(shè)資金供給與需求失衡。在這樣的背景下,因?yàn)檗r(nóng)業(yè)自身的弱質(zhì)性,金融機(jī)構(gòu)對(duì)農(nóng)業(yè)貸款資金投入不足,并且通過各種渠道從農(nóng)村抽走大量資金,嚴(yán)重制約了農(nóng)業(yè)的發(fā)展。同時(shí),金融機(jī)構(gòu)對(duì)農(nóng)業(yè)貸款的發(fā)放和管理體制不健全,政府對(duì)農(nóng)業(yè)貸款監(jiān)管機(jī)制不完善,金融機(jī)構(gòu)農(nóng)業(yè)貸款的發(fā)放和管理具有很大的風(fēng)險(xiǎn)。制約農(nóng)村經(jīng)濟(jì)發(fā)展的首要問題是貸款農(nóng)戶既無抵押質(zhì)押品、信用意識(shí)低,更沒有相關(guān)的信用記錄和信用評(píng)價(jià)體系,農(nóng)業(yè)貸款成為難題。要從根本上解決湖南省農(nóng)業(yè)貸款難的問題,需要金融政策的集合：調(diào)整國家財(cái)政建設(shè)資金的投向和結(jié)構(gòu)；完善農(nóng)業(yè)貸款管理體制、運(yùn)行機(jī)制和監(jiān)管機(jī)制,建立健立農(nóng)業(yè)貸款相關(guān)法律法規(guī),健全擔(dān)保機(jī)制,創(chuàng)新?lián)＝M織,創(chuàng)建農(nóng)村個(gè)人信用評(píng)價(jià)體系,落實(shí)農(nóng)業(yè)信用環(huán)境建設(shè)。
[Abstract]:In order to cope with the financial crisis, the government often adjusts its monetary policy, which leads to the imbalance between the supply of funds and the demand for agricultural economic construction. In this context, because of the weakness of agriculture itself, financial institutions do not invest enough in agricultural loans. At the same time, the system of issuing and managing agricultural loans by financial institutions is not perfect, and the supervision mechanism of agricultural loans by the government is not perfect. The most important problem that restricts the development of rural economy is that the loan farmers have neither collateral pledge, low credit consciousness, nor relevant credit record and credit evaluation system. Agricultural loan has become a difficult problem. To fundamentally solve the problem of agricultural loan in Hunan Province, we need the collection of financial policies, including adjusting the investment and structure of national financial construction funds, perfecting the management system, operating mechanism and supervision mechanism of agricultural loan. Establishing laws and regulations related to agricultural loans, perfecting guarantee mechanism, innovating guarantee organizations, establishing evaluation system of individual credit in rural areas, and implementing the construction of agricultural credit environment.
【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 石成華;趙記濤;;農(nóng)村信貸與農(nóng)戶收入關(guān)系的實(shí)證分析[J];安徽農(nóng)業(yè)科學(xué);2007年07期

2 薛緋;顧曉敏;;關(guān)于貸款風(fēng)險(xiǎn)防范的理論綜述[J];商業(yè)研究;2008年11期

3 鄭秀峰;中國農(nóng)村金融深化的產(chǎn)業(yè)約束分析[J];財(cái)經(jīng)問題研究;2004年04期

4 印X華,鄧偉,孟s，

本文編號(hào)：1654155