本文選題：農(nóng)村金融　切入點：資源配置　出處：《東北農(nóng)業(yè)大學》2014年碩士論文　論文類型：學位論文

【摘要】：我國是傳統(tǒng)的農(nóng)業(yè)大國,農(nóng)村金融作為農(nóng)村經(jīng)濟的核心,為農(nóng)村改革的發(fā)展提供了重要支持,取得很好的成效。2014年中央國務院發(fā)布的中央一號文件——《關于全面深化農(nóng)村改革加快推進農(nóng)業(yè)現(xiàn)代化的若干意見》提出：要加快農(nóng)村金融制度創(chuàng)新、完善農(nóng)業(yè)補貼政策等農(nóng)村金融相關意見。從2004年起,中央一號文件連續(xù)11年鎖定“三農(nóng)”主題,有力地促進了農(nóng)村改革和農(nóng)業(yè)生產(chǎn),給我國農(nóng)村金融帶來巨大的變化。2013年《黑龍江省“兩大平原”現(xiàn)代農(nóng)業(yè)綜合配套改革試驗總體方案》全面開展,擬推出創(chuàng)新農(nóng)村金融產(chǎn)品和服務方式,建立涉農(nóng)貸款抵押擔保新機制,構建新型農(nóng)業(yè)保險體系等與現(xiàn)代農(nóng)村金融發(fā)展相關的改革事項,這標志著我國新一輪農(nóng)村經(jīng)濟社會改革試驗的大幕在黑龍江省率先拉開,黑龍江省農(nóng)村金融工作呈現(xiàn)出新的發(fā)展面貌。雖然黑龍江省農(nóng)村金融事業(yè)取得了長足發(fā)展,但農(nóng)村金融發(fā)展也面臨著諸多問題與挑戰(zhàn),農(nóng)村金融資源的配置問題處于黑龍江省農(nóng)村金融發(fā)展的核心位置,研究農(nóng)村金融資源的配置問題迫在眉睫。 本文采用實證分析與規(guī)范分析相結合、定性分析與定量分析相結合、文獻研究與年鑒數(shù)據(jù)搜集分析相結合等方法,通過對國內外農(nóng)村金融資源配置文獻的述評,在梳理農(nóng)村金融資源配置相關概念和基本理論的基礎上,以黑龍江省為研究對象,對黑龍江省金融資源配置進行調查并對相關資料進行歸納總結,分析了黑龍江省農(nóng)村資源配置效率的現(xiàn)狀,通過相關數(shù)據(jù)整理與模型驗證,建立了影響黑龍江省農(nóng)村金融資源配置效率因素的Jeffrey Wurgle模型,并運用模型結果判斷黑龍江省農(nóng)村金融資源配置效率低,并以此剖析了黑龍江省農(nóng)村金融資源配置存在的主要問題,提出了相應的對策與建議。研究表明：黑龍江省農(nóng)村資源配置較低,在農(nóng)村金融資源配置中仍存在著一些不容忽視的問題：涉農(nóng)金融機構職能缺位,農(nóng)村金融資源外流嚴重,支農(nóng)融資渠道狹窄,農(nóng)村金融涉農(nóng)服務品種匱乏等問題影響了黑龍江省農(nóng)村金融的快速發(fā)展。論文提出,要加強涉農(nóng)金融機構的主體作用,建立農(nóng)村金融資源回流機制,拓寬金融機構融資渠道,實現(xiàn)農(nóng)村金融服務產(chǎn)品的多元化等對策,這是解決黑龍江省農(nóng)村金融資源配置存在問題的根本出路。
[Abstract]:China is a traditional agricultural country. As the core of rural economy, rural finance provides important support for the development of rural reform. In 2014, the State Council issued the first document of the Central Committee, "some opinions on comprehensively deepening Rural Reform and speeding up Agricultural Modernization", which put forward the following: we should speed up the innovation of the rural financial system. Since 2004, the first document of the Central Committee has locked in the theme of "agriculture, rural areas and farmers" for 11 consecutive years, which has effectively promoted rural reform and agricultural production. In 2013, the "two Great Plains" of Heilongjiang Province "the two Great Plains" of modern agricultural comprehensive reform overall program was carried out in an all-round way, to introduce innovative rural financial products and services, The establishment of a new mechanism of agricultural loan mortgage guarantee, the construction of a new agricultural insurance system and other reform matters related to the development of modern rural finance indicate that the curtain of a new round of rural economic and social reform in China has been opened first in Heilongjiang Province. The rural financial work in Heilongjiang Province presents a new development. Although the rural finance in Heilongjiang Province has made great progress, the development of rural finance is also facing many problems and challenges. The allocation of rural financial resources is at the core of the development of rural finance in Heilongjiang Province, so it is urgent to study the allocation of rural financial resources. This paper combines empirical analysis with normative analysis, qualitative analysis with quantitative analysis, literature research with yearbook data collection and analysis, and reviews the literature on the allocation of rural financial resources at home and abroad. On the basis of combing the related concepts and basic theories of rural financial resources allocation, taking Heilongjiang Province as the research object, this paper investigates the allocation of financial resources in Heilongjiang Province and summarizes the relevant data. This paper analyzes the present situation of rural resource allocation efficiency in Heilongjiang Province, and establishes the Jeffrey Wurgle model which influences the factors of rural financial resource allocation efficiency in Heilongjiang Province through data collation and model verification. The model results are used to judge the low efficiency of rural financial resources allocation in Heilongjiang Province, and the main problems in the allocation of rural financial resources in Heilongjiang Province are analyzed. The research shows that the allocation of rural resources in Heilongjiang Province is relatively low, and there are still some problems that can not be ignored in the allocation of rural financial resources: the absence of functions of agriculture-related financial institutions and the serious outflow of rural financial resources. The narrow financing channels of supporting agriculture and the shortage of rural financial services have affected the rapid development of rural finance in Heilongjiang Province. This paper proposes that the main role of agricultural financial institutions should be strengthened and the mechanism of rural financial resources return should be established. Widening the financing channels of financial institutions and realizing the diversification of rural financial service products are the fundamental solutions to the problems existing in the allocation of rural financial resources in Heilongjiang Province.
【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】：2014
【分類號】：F832.35

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