本文選題：農(nóng)村商業(yè)銀行 + 信貸支農(nóng)�。� 參考：《廣西大學(xué)》2017年碩士論文

【摘要】：“三農(nóng)”問題一直是我國社會主義建設(shè)過程中的重要問題,加強金融對于“三農(nóng)”的支持,有利于我國農(nóng)村經(jīng)濟的增長。而隨著新農(nóng)村建設(shè)的不斷推進,農(nóng)村資金供求結(jié)構(gòu)的變化,只有加強對于農(nóng)村信貸資金的支持,才能更好的推進農(nóng)村經(jīng)濟的發(fā)展。農(nóng)村商業(yè)銀行作為我國農(nóng)村金融體系的主力軍,其對于農(nóng)村信貸的支持主要是以支農(nóng)貸款的形式體現(xiàn)出來。文章前兩個部分在總結(jié)、梳理國內(nèi)外的研究成果的基礎(chǔ)上,構(gòu)建出理論框架,解釋信貸支農(nóng)的動因,同時為信貸支農(nóng)在農(nóng)村地區(qū)的產(chǎn)生和發(fā)展提供可行性和必要性的理論依據(jù)。第三部分,根據(jù)實地調(diào)研的數(shù)據(jù),從微觀角度對Y縣農(nóng)村商業(yè)銀行信貸支農(nóng)的狀況進行分析,進而基于客戶反饋的問卷調(diào)查,采用描述性統(tǒng)計分析,從貸款的可獲得性、便利性、需求滿足度、利息負擔四個方面分析客戶的反饋狀況。結(jié)合兩個層面的分析,分別從銀行的角度和客戶的角度,總結(jié)得出Y縣農(nóng)村商業(yè)銀行信貸支農(nóng)的狀況。最后,分別從信貸支農(nóng)力度偏小、成本偏高和風(fēng)險水平偏大的角度,剖析導(dǎo)致該結(jié)果產(chǎn)生的原因,并且結(jié)合Y縣當?shù)氐膶嶋H經(jīng)濟發(fā)展狀況,從增大信貸規(guī)模、降低信貸成本、控制信貸風(fēng)險和提高客戶滿意度四個方面,探討提升信貸支農(nóng)水平的對策建議。
[Abstract]:The issue of "agriculture, rural areas and farmers" has always been an important issue in the process of socialist construction in China. Strengthening the support of finance for "agriculture, rural areas and farmers" is beneficial to the growth of rural economy in our country.With the development of new rural construction, the structure of rural capital supply and demand changes, only by strengthening the support of rural credit funds, can we better promote the development of rural economy.Rural commercial banks as the main force of our country's rural financial system, its support for rural credit is mainly reflected in the form of agricultural loans.On the basis of summing up and combing the research results at home and abroad, the first two parts of the article construct a theoretical framework to explain the causes of credit support for agriculture, and at the same time provide the theoretical basis for the feasibility and necessity of the emergence and development of credit support agriculture in rural areas.The third part, according to the data of field investigation, analyzes the situation of credit supporting agriculture of rural commercial bank in Y county from the microcosmic angle, then based on the questionnaire survey of customer feedback, adopts descriptive statistical analysis, from the loan availability.Convenience, demand satisfaction, interest burden four aspects of customer feedback analysis.Combined with the analysis of two levels, from the point of view of banks and customers, the paper summarizes the situation of supporting agriculture by credit in rural commercial banks of Y county.Finally, from the angle of small credit support for agriculture, high cost and high risk level, this paper analyzes the reasons that lead to this result, and combines with the actual economic development of Y county, from increasing the credit scale, reducing the credit cost,Four aspects of controlling credit risk and improving customer satisfaction are discussed in order to improve the level of credit support for agriculture.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.43

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