【摘要】：黑龍江省是個農(nóng)業(yè)大省,農(nóng)村經(jīng)濟是黑龍江省經(jīng)濟的重要組成部分之一。隨著黑龍江省農(nóng)村經(jīng)濟的快速發(fā)展,農(nóng)村市場的金融服務(wù)需求日益增長。但是黑龍江省農(nóng)村正規(guī)金融有著嚴格的管制要求,難以滿足與日俱增的農(nóng)村市場金融服務(wù)需求,而黑龍江省農(nóng)村民間金融及時彌補了農(nóng)村正規(guī)金融信貸服務(wù)的不足,成為農(nóng)村金融市場上比較理想的融資渠道。然而黑龍江省農(nóng)村民間金融發(fā)展過程中存在運行不規(guī)范、風險巨大、管理混亂等問題,給農(nóng)村金融體系的健康發(fā)展帶來一定的風險。因此,加快黑龍江省農(nóng)村民間金融發(fā)展對策的研究無疑具有極為重要的戰(zhàn)略意義。 本文重點分析了黑龍江省農(nóng)村民間金融的現(xiàn)狀以及發(fā)展過程中存在的主要問題,分析了當前黑龍江省農(nóng)村民間金融的主要影響因素。利用問卷調(diào)查法,隨機對黑龍江省農(nóng)村地區(qū)進行了民間借貸綜合調(diào)研,并利用因子分析法對農(nóng)村民間借貸影響因素進行了實證分析。再進一步借鑒國內(nèi)其他地區(qū)農(nóng)村民間金融發(fā)展經(jīng)驗,提出了有針對性的、切實有效地能夠促進黑龍江省農(nóng)村民間金融健康發(fā)展的對策建議。文章首先明確了選題的背景、目的和意義,比較系統(tǒng)地總結(jié)了農(nóng)村民間金融的國內(nèi)外研究狀況,并指出了研究思路和方法。其次,從農(nóng)村民間金融的相關(guān)理論入手,對農(nóng)村民間金融的概念進行了界定,對農(nóng)村民間金融的主要形式及其功能進行了分析闡述。同時,從農(nóng)村民間借貸規(guī)模,農(nóng)村民間借貸資金來源,農(nóng)村民間金融主要存在形式,農(nóng)村民間融資用途和農(nóng)村民間借貸利率等幾個方面,介紹了黑龍江省農(nóng)村民間金融的發(fā)展現(xiàn)狀,并把其主要問題歸納為：缺少法律約束,行為活動不規(guī)范；供求關(guān)系失衡,農(nóng)村民間資金外流；缺乏監(jiān)管措施,潛伏巨大風險；市場信用較差,借貸方式復雜。最后,針對黑龍江省農(nóng)村民間金融存在的主要問題,根據(jù)黑龍江省農(nóng)村民間金融的主要影響因素分析以及對黑龍江省農(nóng)村民間金融的實證分析,借鑒國內(nèi)其他地區(qū)農(nóng)村民間金融發(fā)展經(jīng)驗,多角度、多層次地提出了促進黑龍江省農(nóng)村民間金融健康發(fā)展的對策建議。
[Abstract]:Heilongjiang Province is a big agricultural province, the rural economy is one of the important parts of Heilongjiang Province economy. With the rapid development of rural economy in Heilongjiang Province, the demand for financial services in rural market is increasing day by day. However, the rural formal finance in Heilongjiang Province has strict control requirements, and it is difficult to meet the increasing demand for financial services in the rural market. However, the rural folk finance in Heilongjiang Province has made up for the shortage of the rural formal financial credit services in time. Become the more ideal financing channel on the rural financial market. However, there are some problems in the development of rural folk finance in Heilongjiang province, such as irregular operation, huge risk and chaotic management, which bring some risks to the healthy development of rural financial system. Therefore, it is of great strategic significance to speed up the development of rural folk finance in Heilongjiang Province. This paper focuses on the analysis of the current situation of rural folk finance in Heilongjiang Province and the main problems existing in the process of development, and analyzes the main influencing factors of rural folk finance in Heilongjiang Province at present. This paper makes a comprehensive investigation on folk lending in rural areas of Heilongjiang Province by means of questionnaire survey, and makes an empirical analysis of the influencing factors of folk lending in rural areas by factor analysis. Further drawing on the development experience of rural folk finance in other regions of China, the paper puts forward some countermeasures and suggestions that can effectively promote the healthy development of rural folk finance in Heilongjiang Province. At first, the paper clarifies the background, purpose and significance of the topic, systematically summarizes the domestic and foreign research situation of rural folk finance, and points out the research ideas and methods. Secondly, starting with the relevant theories of rural folk finance, this paper defines the concept of rural folk finance, and analyzes the main forms and functions of rural folk finance. At the same time, from the scale of rural private lending, the source of rural private lending funds, the main forms of rural folk finance, the use of rural folk finance and the rural private lending interest rate, etc. This paper introduces the present situation of rural folk finance in Heilongjiang Province, and summarizes its main problems as follows: lack of legal restraint, non-standard behavior, imbalance between supply and demand, outflow of rural folk funds, lack of supervision measures, and potential huge risks. The market credit is poor, the way of borrowing is complicated. Finally, in view of the main problems of rural folk finance in Heilongjiang Province, according to the analysis of the main influencing factors of rural folk finance in Heilongjiang Province and the empirical analysis of rural folk finance in Heilongjiang Province, Based on the development experience of rural folk finance in other regions of China, the countermeasures and suggestions to promote the healthy development of rural folk finance in Heilongjiang Province are put forward from various angles and levels.
【學位授予單位】：東北農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.35

【引證文獻】

相關(guān)期刊論文 前1條

1 王娜;孫幫俊;;支持黑龍江省農(nóng)村金融發(fā)展的財稅政策分析[J];邊疆經(jīng)濟與文化;2013年08期

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本文編號：2122225