本文選題：農(nóng)民專業(yè)合作社 + 金融支持　； 參考：《東北農(nóng)業(yè)大學(xué)》2014年碩士論文

【摘要】：農(nóng)民專業(yè)合作社提高了農(nóng)民的組織化程度,已經(jīng)成為帶領(lǐng)農(nóng)戶走向市場(chǎng)化的主要橋梁�！掇r(nóng)民專業(yè)合作社法》從2007年7月1日起施行,在此背景下黑龍江省農(nóng)民專業(yè)合作社發(fā)展速度很快,到2012年底,我省的農(nóng)民專業(yè)合作社總數(shù)量達(dá)到29089個(gè),比2007年的5017個(gè)增加了24072個(gè),總量排名全國(guó)第七位。農(nóng)民專業(yè)合作社覆蓋行政村由2007年的4%提高到2012年的90%,帶動(dòng)農(nóng)戶數(shù)由2007年的近2萬(wàn)戶增加到2012年的120萬(wàn)戶。盡管農(nóng)民專業(yè)合作社的發(fā)展趨勢(shì)良好,但金融機(jī)構(gòu)對(duì)農(nóng)民專業(yè)合作社金融支持還不十分到位,金融服務(wù)落后于農(nóng)民專業(yè)合作社的發(fā)展勢(shì)態(tài),這制約了農(nóng)民專業(yè)合作社的發(fā)展。因此,加大金融對(duì)合作社的支持十分必要。 本研究通過(guò)對(duì)國(guó)內(nèi)外文獻(xiàn)資料的歸納整理和實(shí)地調(diào)研,首先從概念界定開(kāi)始分別介紹了農(nóng)民專業(yè)合作社和金融支持,提出了本研究的理論基礎(chǔ),分析了黑龍江省農(nóng)民專業(yè)合作社的金融供需狀況,歸納總結(jié)金融支持現(xiàn)狀中存有的問(wèn)題,其主要是資金供求不平衡、正規(guī)金融融資渠道不暢、非正規(guī)金融支持有限、農(nóng)村金融機(jī)構(gòu)信貸服務(wù)效率低下、缺乏農(nóng)業(yè)保險(xiǎn)及風(fēng)險(xiǎn)分擔(dān)機(jī)制。利用發(fā)放調(diào)查問(wèn)卷、訪談和層次分析法,從農(nóng)民專業(yè)合作社自身、金融機(jī)構(gòu)、政府三方面來(lái)剖析影響黑龍江省金融機(jī)構(gòu)支持農(nóng)民專業(yè)合作社的因素,并對(duì)各因素進(jìn)行綜合排序,找出影響黑龍江省金融支持農(nóng)民專業(yè)合作社的重要因素,這些因素主要是合作社抵押物、合作社盈利能力、金融機(jī)構(gòu)機(jī)會(huì)成本和合作社機(jī)構(gòu)設(shè)置健全程度。通過(guò)學(xué)習(xí)美國(guó)、日本、印度及國(guó)內(nèi)典型地區(qū)金融支持合作社的方式模式從中獲得啟示。最后從農(nóng)民專業(yè)合作社、金融機(jī)構(gòu)、政府、法律法規(guī)建設(shè)、模式選擇五方面提出完善黑龍江省農(nóng)民專業(yè)合作社金融支持的對(duì)策。一是加強(qiáng)農(nóng)民專業(yè)合作社規(guī)范化建設(shè),主要包括增強(qiáng)合作社自身組織制度和財(cái)務(wù)制度建設(shè)；創(chuàng)新農(nóng)民專業(yè)合作社經(jīng)營(yíng)機(jī)制,增強(qiáng)自身盈利能力。二是金融機(jī)構(gòu)提高對(duì)農(nóng)民專業(yè)合作社的金融服務(wù)。提升對(duì)農(nóng)民專業(yè)合作社的服務(wù)意識(shí),避免信貸資金大量流出農(nóng)村；加大農(nóng)村金融便利設(shè)施建設(shè)：創(chuàng)新?lián)７绞�、�?chuàng)新信用貸款方式、創(chuàng)新金融產(chǎn)品,加大金融服務(wù)創(chuàng)新。三是政府發(fā)揮紐帶作用促進(jìn)金融對(duì)農(nóng)民專業(yè)合作社的支持。加大財(cái)政扶持、積極推進(jìn)新型農(nóng)村金融機(jī)構(gòu)的發(fā)展、積極推動(dòng)農(nóng)業(yè)保險(xiǎn)體系和擔(dān)保制度建設(shè)為金融機(jī)構(gòu)支持農(nóng)民專業(yè)合作社創(chuàng)造良好的政策環(huán)境。四是完善相關(guān)法律法規(guī),為金融機(jī)構(gòu)支持農(nóng)民專業(yè)合作社創(chuàng)造良好的法律環(huán)境。五是選擇合適的金融支持模式來(lái)促進(jìn)黑龍江省農(nóng)民專業(yè)合作社的發(fā)展。
[Abstract]:The farmers' specialized cooperatives have improved the farmers' organizational level and become the main bridge to lead farmers to marketization. The Law on Farmers' specialized Cooperatives came into force on July 1, 2007. By the end of 2012, the total number of farmers' specialized cooperatives in Heilongjiang Province reached 29089, which was 24072 more than the 5017 in 2007, ranking seventh in the whole country. The number of farmers' cooperatives increased from 4% in 2007 to 90% in 2012, and the number of farmers increased from nearly 20 000 in 2007 to 1.2 million in 2012. Although the development trend of the farmer specialized cooperative is good, the financial support of the financial institution to the farmer specialized cooperative is not quite in place, and the financial service lags behind the development situation of the farmer specialized cooperative, which restricts the development of the farmer specialized cooperative. Therefore, it is necessary to increase financial support for cooperatives. This study through the domestic and foreign literature material induction and the field investigation, first has introduced the farmer specialized cooperative and the financial support separately from the concept definition, proposed this research theory foundation, This paper analyzes the situation of financial supply and demand of farmers' specialized cooperatives in Heilongjiang Province, and summarizes the problems existing in the present situation of financial support. The main problems are the imbalance of capital supply and demand, the lack of formal financial financing channels, and the limited informal financial support. Rural financial institutions credit service efficiency is low, lack of agricultural insurance and risk sharing mechanism. By using questionnaires, interviews and analytic hierarchy process (AHP), this paper analyzes the factors that influence the financial institutions of Heilongjiang Province to support the farmers' professional cooperatives from three aspects, namely, the farmers' professional cooperatives themselves, financial institutions and the government, and makes a comprehensive ranking of the factors. This paper finds out the important factors that affect the financial support of farmers' professional cooperatives in Heilongjiang Province, which are mainly cooperative mortgage, cooperative profitability, opportunity cost of financial institutions and the degree of establishment and soundness of cooperative institutions. Learn from the model of financial support cooperatives in America, Japan, India and China. Finally, the countermeasures of perfecting the financial support of farmers' specialized cooperatives in Heilongjiang Province are put forward from five aspects: farmers' specialized cooperatives, financial institutions, government, laws and regulations construction and mode selection. One is to strengthen the standardized construction of farmers' specialized cooperatives, mainly including strengthening the construction of cooperatives' own organizational system and financial system, and innovating the management mechanism of farmers' specialized cooperatives to enhance their own profitability. Second, financial institutions improve financial services to farmers' professional cooperatives. To enhance the service awareness of farmers' professional cooperatives, to avoid a large number of credit funds out of rural areas; to increase rural financial facilities construction: innovative guarantee, innovative credit loans, innovative financial products, increase innovation in financial services. Third, the government plays a role as a link to promote financial support for farmers' professional cooperatives. Increase financial support, actively promote the development of new rural financial institutions, actively promote the construction of agricultural insurance system and guarantee system for financial institutions to support farmers' professional cooperatives to create a good policy environment. Fourth, improve relevant laws and regulations, and create a good legal environment for financial institutions to support farmers' professional cooperatives. Fifth, choose the appropriate financial support model to promote the development of professional cooperatives of farmers in Heilongjiang Province.
【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)】：F321.42;F832.35

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相關(guān)博士學(xué)位論文 前1條

1 張�；�;我國(guó)民間金融發(fā)展研究[D];湖南大學(xué);2009年

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本文編號(hào)：1842051