【摘要】：農(nóng)村金融是推動“三農(nóng)”建設的重要支持力量,涉農(nóng)貸款是農(nóng)村金融的重要內(nèi)容之一,也是衡量農(nóng)村金融發(fā)展最重要的指標,涉農(nóng)貸款在促進農(nóng)村經(jīng)濟發(fā)展、推動農(nóng)業(yè)產(chǎn)業(yè)升級、帶動農(nóng)民增收以及當前社會主義新農(nóng)村建設等方面發(fā)揮不可替代的作用,同時,也是貫徹統(tǒng)籌城鄉(xiāng)發(fā)展戰(zhàn)略、發(fā)展現(xiàn)代農(nóng)業(yè)的關鍵要素。對于廣西這樣一個地處欠發(fā)達地區(qū)的省份(自治區(qū))來說,大力發(fā)展涉農(nóng)貸款顯得尤為重要,廣西農(nóng)村信用社是支持和服務廣西“三農(nóng)”的主力軍,在新的形勢下如何圍繞“三農(nóng)”服務為宗旨,大力發(fā)展涉農(nóng)貸款,解決“三農(nóng)”問題,成為一個值得研究的課題。 本文從涉農(nóng)貸款的定義、種類和功能入手,介紹我國、廣西涉農(nóng)貸款發(fā)展情況,闡述廣西農(nóng)村信用社各項業(yè)務以及涉農(nóng)貸款發(fā)展現(xiàn)狀,重點分析廣西農(nóng)村信用社涉農(nóng)貸款存在問題以及成因,并在借鑒國內(nèi)一些外省信用聯(lián)社支農(nóng)經(jīng)驗基礎上,結合廣西農(nóng)村信用社實際提出了廣西農(nóng)村信用社涉農(nóng)貸款發(fā)展思路,提出一些建設性的措施和建議,最后,本文根據(jù)當前涉農(nóng)貸款發(fā)展中的普遍性問題,提出了完善涉農(nóng)貸款外部環(huán)境的政策建議。本文研究對于廣西農(nóng)村信用社在新形勢下大力發(fā)展涉農(nóng)貸款具有一定的現(xiàn)實指導意義,同時,對于完善現(xiàn)代銀行業(yè)金融機構涉農(nóng)貸款政策,提高涉農(nóng)貸款管理理論水平,促進各銀行業(yè)金融機構改變信貸投向結構,進一步加大涉農(nóng)領域的信貸投放力度,確保農(nóng)業(yè)、農(nóng)村、農(nóng)戶信貸資金的有效供給,具有一定的理論價值和現(xiàn)實指導意義。
[Abstract]:Rural finance is an important supporting force to promote the construction of "agriculture, countryside", agriculture-related loan is one of the important contents of rural finance, and it is also the most important index to measure the development of rural finance. Agricultural-related loan is promoting the development of rural economy. It also plays an irreplaceable role in promoting the upgrading of agricultural industry, promoting the increase of farmers' income and the construction of a new socialist countryside. At the same time, it is also a key factor in carrying out the overall urban and rural development strategy and developing modern agriculture. For a province (autonomous region) located in an underdeveloped region such as Guangxi, it is particularly important to vigorously develop agricultural-related loans, and Guangxi Rural Credit Cooperative is the main force in supporting and serving the "three rural areas" in Guangxi. Under the new situation, how to develop agriculture-related loan and solve the problem of "agriculture, countryside and countryside" is a subject worthy of study around the purpose of "agriculture, countryside and agriculture" service. Starting with the definition, types and functions of agricultural loans, this paper introduces the development of agricultural loans in China and Guangxi, expounds the various services of Guangxi Rural Credit Cooperatives and the present situation of the development of agricultural loans. This paper focuses on analyzing the problems and causes of rural credit cooperatives' agricultural loans in Guangxi, and on the basis of drawing lessons from the experience of some foreign provincial credit cooperatives in supporting agriculture, and combining with the actual situation of Guangxi rural credit cooperatives, puts forward the thinking of the development of rural credit cooperatives' agricultural loans in Guangxi. Some constructive measures and suggestions are put forward. Finally, according to the universal problems in the development of agricultural-related loans, this paper puts forward some policy suggestions to improve the external environment of agricultural-related loans. The research of this paper has certain practical guiding significance for Guangxi Rural Credit Cooperatives to develop agriculture-related loans in the new situation, at the same time, it can improve the policy of agricultural-related loans of modern banking financial institutions and improve the theoretical level of agricultural-related loans management. It is of certain theoretical value and practical guiding significance to promote the banking financial institutions to change the structure of credit investment, to further increase the intensity of credit investment in agriculture-related fields, and to ensure the effective supply of credit funds in agriculture, rural areas and farmers.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.43

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