本文選題：農(nóng)村金融風(fēng)險(xiǎn)　切入點(diǎn)：風(fēng)險(xiǎn)分擔(dān)與補(bǔ)償　出處：《東北農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：黑龍江省農(nóng)村金融風(fēng)險(xiǎn)缺乏有效的風(fēng)險(xiǎn)分擔(dān)和補(bǔ)償,阻礙了農(nóng)村金融服務(wù)的發(fā)展,使農(nóng)村經(jīng)濟(jì)的發(fā)展緩慢,雖然國家政策多次對(duì)三農(nóng)問題做重要指示,但是由于農(nóng)村金融交易條件不足,導(dǎo)致農(nóng)村金融交易不足進(jìn)而導(dǎo)致農(nóng)村金融供給長期不足,金融機(jī)構(gòu)大量退出,農(nóng)村金融資源非農(nóng)化趨勢加劇,農(nóng)村金融功能得不到發(fā)揮,使農(nóng)村金融風(fēng)險(xiǎn)聚集,所以農(nóng)村金融發(fā)展的首要問題就是完善風(fēng)險(xiǎn)的分擔(dān)和補(bǔ)償機(jī)制。 本文根據(jù)提出問題到分析問題,然后解決問題提出對(duì)策的順序的來論述,主要運(yùn)用查文獻(xiàn),數(shù)據(jù)資料分析現(xiàn)狀問題,運(yùn)用博弈理論分析完善的風(fēng)險(xiǎn)分擔(dān)與補(bǔ)償對(duì)于農(nóng)村金融參與主體策略選擇的變化,結(jié)合相關(guān)理論基礎(chǔ)為提出對(duì)策作支撐。 完善的風(fēng)險(xiǎn)分擔(dān)和補(bǔ)償可以促進(jìn)風(fēng)險(xiǎn)的分散、降低交易成本,促進(jìn)農(nóng)村金融的創(chuàng)新,農(nóng)村金融交易不斷擴(kuò)張,加快資金的集中、流動(dòng)、分配和再分配,促進(jìn)農(nóng)村經(jīng)濟(jì)的發(fā)展。本文首先對(duì)黑龍江省農(nóng)村金融風(fēng)險(xiǎn)分擔(dān)與補(bǔ)償?shù)南嚓P(guān)概念作界定,闡述了相關(guān)理論：金融發(fā)展理論、金融體系風(fēng)險(xiǎn)分擔(dān)與補(bǔ)償理論、農(nóng)村金融理論；接著利用數(shù)據(jù)圖表分析黑龍江省農(nóng)業(yè)保險(xiǎn)、抵押擔(dān)保、民間金融、政府財(cái)政對(duì)農(nóng)村金融風(fēng)險(xiǎn)的分擔(dān)與補(bǔ)償現(xiàn)狀及存在的問題,制度環(huán)境現(xiàn)狀及問題,主要表現(xiàn)在：—是自然風(fēng)險(xiǎn)發(fā)生隨機(jī)性大、頻率高,農(nóng)業(yè)保險(xiǎn)市場及產(chǎn)品不完善：二是農(nóng)產(chǎn)品價(jià)格風(fēng)險(xiǎn)使農(nóng)產(chǎn)品價(jià)格波動(dòng)頻繁,影響農(nóng)產(chǎn)品生產(chǎn)價(jià)格指數(shù)、農(nóng)民人均收入;三是農(nóng)村缺乏合格的抵押擔(dān)保品阻礙了貸款者獲得貸款；四是信息不對(duì)稱使農(nóng)村金融機(jī)構(gòu)、保險(xiǎn)機(jī)構(gòu)發(fā)展緩慢；五是政府財(cái)政的補(bǔ)償不到位、不合理,相對(duì)于災(zāi)害損失金額來說只是杯水車薪；六是法律制度滯后影響了農(nóng)村金融的發(fā)展。然后再通過農(nóng)村金融風(fēng)險(xiǎn)無外部分擔(dān)與補(bǔ)償下博弈分析、有保險(xiǎn)機(jī)構(gòu)參與風(fēng)險(xiǎn)分擔(dān)的博弈分析、政府財(cái)政參與補(bǔ)償?shù)姆治?比較農(nóng)村金融參與主體在不同情況下的策略選擇,分析如何建立合理的風(fēng)險(xiǎn)分擔(dān)和補(bǔ)償體系,使農(nóng)村金融風(fēng)險(xiǎn)得到有效分擔(dān),促進(jìn)農(nóng)村金融發(fā)展,同時(shí)貸款者獲得資金,擴(kuò)大生產(chǎn),促進(jìn)農(nóng)村經(jīng)濟(jì)的發(fā)展。最后根據(jù)風(fēng)險(xiǎn)分擔(dān)補(bǔ)償現(xiàn)狀及問題和博弈分析結(jié)果從創(chuàng)新農(nóng)村金融服務(wù)體制、政府財(cái)政建立差異化的外部補(bǔ)償制度、推進(jìn)農(nóng)村金融環(huán)境制度建設(shè)三個(gè)方面提出完善黑龍江省農(nóng)村金融風(fēng)險(xiǎn)分擔(dān)與補(bǔ)償?shù)膶?duì)策。
[Abstract]:The lack of effective risk sharing and compensation for rural financial risks in Heilongjiang Province hinders the development of rural financial services and slows the development of rural economy, although the state policy has made important instructions on the issue of agriculture, countryside and farmers many times. However, due to the shortage of rural financial transaction conditions, which leads to the shortage of rural financial transactions, the long-term shortage of rural financial supply, the withdrawal of a large number of financial institutions, the intensification of the trend of non-agricultural financial resources in rural areas, and the failure of rural financial functions, So the primary problem of rural financial development is to perfect the risk sharing and compensation mechanism. In this paper, according to the order in which the problem is put forward to the analysis problem, and then the solution is put forward, the author mainly uses the literature and data data to analyze the current situation. The game theory is used to analyze the change of the strategic choice of the rural financial participants by the perfect risk sharing and compensation, and the countermeasures are put forward based on the relevant theories. Sound risk sharing and compensation can promote risk dispersion, reduce transaction costs, promote innovation in rural finance, expand rural financial transactions, and accelerate the concentration, flow, distribution and redistribution of funds. Firstly, this paper defines the related concepts of rural financial risk sharing and compensation in Heilongjiang Province, and expounds the relevant theories: financial development theory, financial system risk sharing and compensation theory, rural financial theory; Then, the paper analyzes the current situation of agricultural insurance, mortgage guarantee, private finance and government finance to the rural financial risk sharing and compensation in Heilongjiang Province, and the existing problems, the current situation and problems of the system environment. The main manifestation is that the natural risk is random, the frequency is high, the agricultural insurance market and products are not perfect: second, the agricultural product price risk causes the agricultural product price to fluctuate frequently, affects the agricultural product production price index, the farmer per capita income; Third, the lack of qualified mortgage collateral in rural areas prevents borrowers from obtaining loans; fourth, asymmetric information causes rural financial institutions and insurance institutions to develop slowly; and fifth, government financial compensation is not in place and unreasonable. Compared with the amount of disaster losses, it is only a drop in the bucket; sixth, the legal system lags behind the development of rural finance. Then through the game analysis of rural financial risk without external sharing and compensation, There are insurance institutions involved in the risk sharing game analysis, government financial participation compensation analysis, the comparison of rural financial participants in different situations of the choice of strategies, analysis of how to establish a reasonable risk sharing and compensation system. To enable rural financial risks to be effectively shared, to promote rural financial development, and at the same time to provide lenders with funds to expand production, Finally, according to the current situation and problems of risk sharing compensation and the result of game analysis, the paper sets up a differentiated external compensation system from innovating rural financial service system and government finance. In order to improve the rural financial risk sharing and compensation in Heilongjiang province, three aspects of promoting the rural financial environment system construction are put forward.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.7

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本文編號(hào)：1557811