本文選題：農(nóng)村金融 + 發(fā)展歷程　； 參考：《山東農(nóng)業(yè)大學(xué)》2014年碩士論文

【摘要】：近年來,隨著農(nóng)村經(jīng)濟(jì)的迅猛發(fā)展,農(nóng)村金融市場(chǎng)越來越不適應(yīng)經(jīng)濟(jì)發(fā)展的各項(xiàng)要求,成為了制約農(nóng)村經(jīng)濟(jì)發(fā)展的一個(gè)較重要因素。泰安市不僅要大力發(fā)展旅游業(yè)、工業(yè),更要發(fā)揮好農(nóng)村金融市場(chǎng)對(duì)當(dāng)?shù)亟?jīng)濟(jì)發(fā)展的推動(dòng)作用。所以加強(qiáng)對(duì)農(nóng)村金融市場(chǎng)的研究和分析,找出其特點(diǎn)和存在的問題,探索農(nóng)村金融市場(chǎng)改革的途徑和對(duì)策,是擺在我們面前的一個(gè)緊迫任務(wù)。該論文以山東省泰安市農(nóng)村金融為研究對(duì)象,總共分為六個(gè)部分:第一部分介紹本文的研究背景及研究對(duì)象,分析了國內(nèi)外農(nóng)村金融的研究現(xiàn)狀以及本文的創(chuàng)新及不足之處。第二部分介紹農(nóng)村金融研究的理論基礎(chǔ)。第三部分分析泰安農(nóng)村金融的發(fā)展現(xiàn)狀,研究表明,泰安市農(nóng)村金融發(fā)展規(guī)模不斷擴(kuò)大,農(nóng)村金融體系不斷完善,農(nóng)村金融服務(wù)不斷提高,農(nóng)村貸款種類不斷增多,農(nóng)民專業(yè)合作社規(guī)模不斷擴(kuò)大,農(nóng)村保險(xiǎn)不斷得到發(fā)展。第四部分分析泰安農(nóng)村金融發(fā)展存在的突出問題及原因,研究表明,泰安市農(nóng)村金融發(fā)展存在的主要問題是資金供給不足、網(wǎng)點(diǎn)覆蓋率低,金融體系不健全、市場(chǎng)競(jìng)爭(zhēng)不充分,涉農(nóng)金融機(jī)構(gòu)業(yè)務(wù)創(chuàng)新積極性不高、金融基礎(chǔ)設(shè)施使用率低,專業(yè)合作社在一定程度上已不可或缺、但未獲得合法經(jīng)營地位,支農(nóng)貸款設(shè)置不合理、造成人為貸款逾期,擔(dān)保模式單一、保險(xiǎn)與再保險(xiǎn)發(fā)展緩慢。原因是貸款資金成本較高、盈利難度相對(duì)較大,農(nóng)村金融市場(chǎng)缺陷、資金供不應(yīng)求,民間金融超范圍融資、社會(huì)影響不斷加劇,相關(guān)配套措施不完善。第五部分分別介紹國內(nèi)外農(nóng)村金融先進(jìn)經(jīng)驗(yàn)并予以借鑒;最后一部分從前文的分析提出了促進(jìn)泰安市農(nóng)村金融發(fā)展的對(duì)策,包括建設(shè)與創(chuàng)新正規(guī)農(nóng)村金融體系,鼓勵(lì)和支持新型農(nóng)村金融機(jī)構(gòu)的設(shè)立,面向農(nóng)戶的金融產(chǎn)品的開發(fā)和應(yīng)用,建立農(nóng)村保險(xiǎn)市場(chǎng)機(jī)制、為農(nóng)業(yè)投入提供補(bǔ)償機(jī)制。
[Abstract]:In recent years, with the rapid development of the rural economy, the rural financial market is becoming more and more difficult to meet the requirements of the economic development. It has become an important factor restricting the development of the rural economy. Tai'an should not only develop the tourism industry, industry, but also play a good role in the promotion of the rural financial market to the local economic development. The research and analysis of rural financial market, find out its characteristics and existing problems, explore the ways and Countermeasures of rural financial market reform, which is an urgent task before us. The thesis takes the rural finance of Tai'an city of Shandong Province as the research object, which is divided into six parts: the first part introduces the research background and research of this article. The second part introduces the theoretical basis of rural financial research. The third part analyzes the development status of rural finance in Tai'an. The research shows that the scale of rural financial development in Tai'an is expanding, the rural financial system is perfected, and the rural financial services are being perfected. In the fourth part, the fourth part analyses the outstanding problems and causes of rural financial development in Tai'an. The research shows that the main problems of the rural financial development in Tai'an are the shortage of capital supply, the low network coverage rate and the financial body. It is not perfect, the market competition is inadequate, the business innovation enthusiasm of the agricultural financial institutions is not high, the utilization rate of the financial infrastructure is low, the professional cooperative is indispensable to some extent, but it has not obtained the legitimate business status, the support of the agricultural loans is unreasonable, resulting in the overdue period of human loans, the single guarantee mode and the slow development of insurance and reinsurance. Because of the high cost of loan funds, relatively large difficulty in profit, defects in the rural financial market, the shortage of funds, the ultra range financing of folk finance, the increasing social impact and incomplete related measures. The fifth part introduces the advanced experience of rural finance at home and abroad and draws lessons from it, and the last part puts forward the promotion from the previous analysis. The Countermeasures for the development of rural finance in Tai'an include the construction and innovation of the formal rural financial system, the establishment of new rural financial institutions, the development and application of financial products facing farmers, the establishment of rural insurance market mechanism, and the compensation mechanism for agricultural input.
【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
【分類號(hào)】：F832.35

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