本文關(guān)鍵詞： 農(nóng)村金融 信貸支持 成因分析 對(duì)策　出處：《山東農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：當(dāng)前我國(guó)的經(jīng)濟(jì)發(fā)展已經(jīng)進(jìn)入到一個(gè)城鄉(xiāng)結(jié)合的高速發(fā)展期的階段,隨著社會(huì)主義新農(nóng)村的目標(biāo)的提出,為實(shí)現(xiàn)這一目標(biāo)農(nóng)村金融部門(mén)的支持至關(guān)重要。近幾年,針對(duì)農(nóng)村金融應(yīng)支持新農(nóng)村建設(shè)的相關(guān)研究不斷增多,但大多都是基于宏觀層面的研究。然而,隨著不同地域、區(qū)域特點(diǎn),我國(guó)農(nóng)村的發(fā)展具有極強(qiáng)的不平衡性,各地區(qū)的農(nóng)業(yè)生產(chǎn)情況、農(nóng)村經(jīng)濟(jì)水平及農(nóng)村金融政策及金融支農(nóng)程度的都不盡相同,為此,我國(guó)農(nóng)村金融支持新農(nóng)村建設(shè)應(yīng)該從各地區(qū)的實(shí)際情況出發(fā)。本文就以研究對(duì)象定位濰坊市,以經(jīng)濟(jì)增長(zhǎng)理論和金融發(fā)展理論為理論基礎(chǔ),通過(guò)對(duì)濰坊市農(nóng)村金融改革和現(xiàn)狀的分析,找出當(dāng)前濰坊市農(nóng)村金融發(fā)展存在的問(wèn)題以及造成對(duì)濰坊市新農(nóng)村建設(shè)支持不力的根本因素,然后再結(jié)合實(shí)證分析和國(guó)外的先進(jìn)經(jīng)驗(yàn),給出如何促進(jìn)濰坊市農(nóng)村金融發(fā)展,對(duì)新農(nóng)村建設(shè)提供有力支持的具體對(duì)策建議。造成濰坊市農(nóng)村金融支持無(wú)力的因素主要有:政策性金融機(jī)構(gòu)支農(nóng)力度不夠、商業(yè)性金融機(jī)構(gòu)退出農(nóng)村金融市場(chǎng)、民間金融活躍但缺乏必要的監(jiān)管和保護(hù),合作性金融機(jī)構(gòu)(農(nóng)村信用社)信貸資源有限,無(wú)法獨(dú)立支撐;農(nóng)村金融市場(chǎng)缺少有效的市場(chǎng)準(zhǔn)入和退出機(jī)制,從而形成農(nóng)村金融市場(chǎng)的壟斷、缺乏競(jìng)爭(zhēng),農(nóng)村金融發(fā)展沒(méi)有良好的外部環(huán)境,主要是農(nóng)村經(jīng)濟(jì)發(fā)展水平低,農(nóng)村信用環(huán)境差等。根據(jù)本文研究所得出的結(jié)論和當(dāng)前濰坊市農(nóng)村經(jīng)濟(jì)的發(fā)展情況,并結(jié)合國(guó)外農(nóng)村金融發(fā)展的先進(jìn)經(jīng)驗(yàn),本文對(duì)濰坊市農(nóng)村金融如何支持社會(huì)主義新農(nóng)村建設(shè)給出了如下幾點(diǎn)對(duì)策建議:一是建立健全相應(yīng)的管理體制,具體可通過(guò)完善考核制度和制定盡職免責(zé)管理方法來(lái)實(shí)現(xiàn);二是構(gòu)建滿(mǎn)足“三農(nóng)”發(fā)展的農(nóng)村金融體系,具體可以通過(guò)加大農(nóng)行和農(nóng)發(fā)行對(duì)三農(nóng)的信貸投放力度和積極推動(dòng)農(nóng)信社向農(nóng)村商業(yè)銀行轉(zhuǎn)型來(lái)實(shí)施;三是進(jìn)一步加強(qiáng)農(nóng)村金融體系建設(shè),具體的措施可通過(guò)培育農(nóng)村金融市場(chǎng)和發(fā)揮地方政府主導(dǎo)作用來(lái)實(shí)現(xiàn)。
[Abstract]:At present, China's economic development has entered a period of high-speed development of the combination of urban and rural areas, with the proposed goal of a new socialist countryside. In order to achieve this goal, the support of rural financial sector is very important. In recent years, the research on rural finance should support the construction of new countryside is increasing, but most of them are based on macro-level research. With the characteristics of different regions and regions, the development of rural areas in China has a strong imbalance, the agricultural production in different regions, the level of rural economy, the rural financial policies and the degree of financial support for agriculture are not the same. China's rural finance to support the new rural construction should start from the actual situation in various regions. This paper focuses on the research object of Weifang City, with the economic growth theory and financial development theory as the theoretical basis. Through the analysis of the rural financial reform and current situation of Weifang, the problems existing in the development of rural finance in Weifang and the basic factors causing the weak support for the construction of the new countryside in Weifang are found out. Then combined with empirical analysis and advanced experience of foreign countries, it gives how to promote the development of rural finance in Weifang. The main factors that cause the rural financial support powerless in Weifang are: the policy financial institutions are not enough to support agriculture, the commercial financial institutions withdraw from the rural financial market. Private finance is active but lacks necessary supervision and protection, cooperative financial institutions (rural credit cooperatives) credit resources are limited, can not be independently supported; The rural financial market lacks the effective market access and exit mechanism, thus forms the rural financial market monopoly, lacks the competition, the countryside finance development does not have the good external environment, mainly is the rural economy development level is low. The rural credit environment is poor. According to the conclusion of this study and the current development of rural economy in Weifang, combined with the advanced experience of foreign rural financial development. This paper gives the following countermeasures and suggestions on how to support the construction of new socialist countryside in Weifang rural finance: first, establish and perfect the corresponding management system. It can be realized by perfecting the examination system and establishing the method of duty exemption management. The second is to construct the rural financial system to satisfy the development of agriculture, rural areas and farmers, which can be implemented by increasing the credit of the Agricultural Bank of China and Agricultural Development Bank and actively promoting the transformation of rural credit cooperatives to rural commercial banks. Third, to further strengthen the rural financial system construction, specific measures can be achieved by cultivating rural financial markets and giving play to the leading role of local governments.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F327;F832.43

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