淺析我國(guó)金融支持水利建設(shè)存在的問題及對(duì)策
本文關(guān)鍵詞: 金融支持 水利建設(shè) 問題 對(duì)策 出處:《山西農(nóng)業(yè)大學(xué)》2013年碩士論文 論文類型:學(xué)位論文
【摘要】:水利建設(shè)具有很強(qiáng)的公益性、基礎(chǔ)性、戰(zhàn)略性,不僅關(guān)系到防洪安全、供水安全、糧食安全,而且關(guān)系到經(jīng)濟(jì)安全、生態(tài)安全、國(guó)家安全。水利建設(shè)具有如此重要的作用,但建設(shè)的任務(wù)也是十分繁重,投入需求規(guī)模也很大。僅僅依靠現(xiàn)有的財(cái)政投資為主導(dǎo)的投融資渠道,卻無法支撐如此龐大的資金需求,如何加快推進(jìn)和創(chuàng)新金融支持水利建設(shè)的任務(wù)就顯得尤為重要和迫切。 雖然我國(guó)歷屆政府都非常重視加強(qiáng)水利建設(shè),金融機(jī)構(gòu)也很早就開展了水利建設(shè)貸款業(yè)務(wù),然而,在金融支持水利建設(shè)的道路上卻遇到了許多的瓶頸。比如說水利項(xiàng)目公益性的特點(diǎn)導(dǎo)致以利潤(rùn)為目標(biāo)的商業(yè)銀行不愿問津,還有就是還款來源質(zhì)量參差不齊、擔(dān)保物的選擇范圍太窄、承貸主體不明確、以及信貸供給規(guī)模無法滿足水利建設(shè)資金的需求等等。 面對(duì)如此諸多的問題,國(guó)家勢(shì)必要出臺(tái)一系列政策來降低金融機(jī)構(gòu)支持水利建設(shè)信貸業(yè)務(wù)的門檻,金融機(jī)構(gòu)也要不斷加大對(duì)水利建設(shè)的投入力度和產(chǎn)品的創(chuàng)新支持,當(dāng)然,地方政府以及承貸主體更要做好向金融機(jī)構(gòu)尋求支持的前期準(zhǔn)備。只有這樣才能更快更好的開展水利建設(shè)任務(wù),也就能很好的保障我國(guó)防洪、供水、糧食、經(jīng)濟(jì)、生態(tài)、國(guó)家的安全。 本文正是從水利建設(shè)的特點(diǎn)出發(fā),以宏觀和微觀不同視角來分析,并結(jié)合作者多年從事金融工作的經(jīng)驗(yàn),來提出當(dāng)前金融機(jī)構(gòu)支持水利建設(shè)所必須解決的問題,并就如何健全和完善我國(guó)金融支持水利建設(shè)的對(duì)策進(jìn)行了研究。同時(shí),對(duì)國(guó)外的一些相關(guān)經(jīng)驗(yàn)和做法進(jìn)行了介紹,以供我國(guó)更好的開展金融支持水利任務(wù)參考。
[Abstract]:Water conservancy construction has a strong public welfare, basic, strategic, not only related to flood control security, water security, food security, but also related to economic security, ecological security, national security. Water conservancy construction has such an important role. However, the task of construction is also very heavy, and the scale of investment demand is very large. Relying solely on the existing financial investment and financing channels, we cannot support such a huge capital demand. How to speed up the promotion and innovation of financial support for the task of water conservancy is particularly important and urgent. Although successive governments in our country have attached great importance to strengthening water conservancy construction, and financial institutions have started water conservancy construction loans for a long time, however, On the road of financial support for water conservancy construction, however, there are many bottlenecks. For example, the characteristics of public welfare in water conservancy projects cause commercial banks that aim at profits to be reluctant to ask for help, and the quality of repayment sources is uneven. The scope of choice of collateral is too narrow, the principal part of loan is not clear, and the scale of credit supply can not meet the demand of water conservancy construction funds and so on. In the face of so many problems, the state is bound to issue a series of policies to lower the threshold for financial institutions to support the credit business of water conservancy construction, and financial institutions must constantly increase investment in water conservancy construction and innovative support for products. Of course, Local governments and loan recipients should prepare themselves for seeking support from financial institutions. Only in this way can the task of water conservancy construction be carried out faster and better, and the flood control, water supply, grain, economy, and ecology of our country can be well protected. National security. Based on the characteristics of water conservancy construction, this paper analyzes the problems that must be solved by financial institutions in support of water conservancy construction in terms of macro and micro perspectives, and combined with the author's experience in financial work for many years. At the same time, the paper introduces some relevant experiences and practices of foreign countries, so as to provide a better reference for China to carry out the task of financial support water conservancy.
【學(xué)位授予單位】:山西農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】:碩士
【學(xué)位授予年份】:2013
【分類號(hào)】:F426.91;F832
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