本文選題：涉農(nóng)信貸 + 信貸模式　； 參考：《東北農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：2017年“中央一號(hào)”文件強(qiáng)調(diào)要不斷深入農(nóng)業(yè)供給側(cè)改革,加速培育農(nóng)村經(jīng)濟(jì)發(fā)展的新動(dòng)能,為農(nóng)村經(jīng)濟(jì)發(fā)展做出了新的政策指引。這是中央一號(hào)文件連續(xù)第15年重點(diǎn)鎖定“三農(nóng)”問題。隨著《黑龍江省兩大平原現(xiàn)代農(nóng)業(yè)綜合配套改革試驗(yàn)總體方案》、《黑龍江省農(nóng)村承包土地的經(jīng)營(yíng)權(quán)和農(nóng)民住房財(cái)產(chǎn)權(quán)抵押貸款試點(diǎn)實(shí)施方案》等農(nóng)業(yè)政策的陸續(xù)出臺(tái),黑龍江省農(nóng)業(yè)現(xiàn)代化發(fā)展進(jìn)程不斷加快,農(nóng)業(yè)生產(chǎn)經(jīng)營(yíng)主體對(duì)于外部資金的需求也越來(lái)越大。盡管黑龍江省十分重視對(duì)農(nóng)業(yè)的資金投入,但是涉農(nóng)資金缺口仍然很大,資金匱乏嚴(yán)重制約了黑龍江省農(nóng)業(yè)經(jīng)濟(jì)的發(fā)展。黑龍江省農(nóng)業(yè)生產(chǎn)經(jīng)營(yíng)的資金主要依賴于金融支持,在金融支持方式中,涉農(nóng)信貸占有重要地位,涉農(nóng)信貸的完善是提高農(nóng)業(yè)金融支持力度的必經(jīng)之路。因此,本文剖析黑龍江省涉農(nóng)信貸現(xiàn)狀,對(duì)其存在的問題提出相應(yīng)完善建議。本文對(duì)近年來(lái)國(guó)內(nèi)外有關(guān)涉農(nóng)信貸的研究進(jìn)行梳理,奠定研究的理論基礎(chǔ);通過(guò)實(shí)地調(diào)研了解黑龍江省涉農(nóng)信貸發(fā)展現(xiàn)狀,對(duì)黑龍江省農(nóng)業(yè)發(fā)展整體情況進(jìn)行總結(jié),從信貸供雙方角度分析了黑龍江省涉農(nóng)信貸發(fā)展現(xiàn)狀,指出當(dāng)前涉農(nóng)信貸發(fā)展中存在的問題;通過(guò)博弈分析研究信貸雙方在涉農(nóng)信貸中的行為,對(duì)博弈結(jié)果進(jìn)行分析,進(jìn)而通過(guò)擴(kuò)充涉農(nóng)信貸的有效擔(dān)保物、完善信用評(píng)估體系、調(diào)整信貸還款方式、拓寬涉農(nóng)信貸利率、完善金融監(jiān)管政策及公共服務(wù)體系、政府成立擔(dān)�；鹆鶄�(gè)方面對(duì)黑龍江省涉農(nóng)信貸提出完善建議。本文的研究有助于金融機(jī)構(gòu)準(zhǔn)確把握現(xiàn)階段黑龍江省涉農(nóng)信貸市場(chǎng)的發(fā)展趨勢(shì),提高涉農(nóng)信貸質(zhì)量,更大程度地滿足農(nóng)戶和涉農(nóng)企業(yè)的資金需求,促進(jìn)黑龍江省農(nóng)業(yè)穩(wěn)定發(fā)展,為黑龍江省涉農(nóng)信貸的進(jìn)一步研究奠定基礎(chǔ)。
[Abstract]:In 2017, the "Central Committee No. 1" document emphasized the need to continuously deepen the agricultural supply-side reform, accelerate the cultivation of new momentum of rural economic development, and make new policy guidelines for rural economic development. This is the first document of the Central Committee for 15 consecutive years to focus on the "three rural issues." Along with the overall plan for the comprehensive reform of modern agriculture in the two major plains of Heilongjiang Province, the agricultural policies such as the pilot implementation plan of the management right of rural contracted land and the housing property right of farmers in Heilongjiang Province have been published one after another. The development of agricultural modernization in Heilongjiang Province is speeding up, and the demand for external funds of agricultural production and management bodies is also increasing. Although Heilongjiang Province attaches great importance to the investment in agriculture, the shortage of funds restricts the development of agricultural economy in Heilongjiang Province. The funds of agricultural production and operation in Heilongjiang Province mainly depend on financial support. In the financial support mode, agricultural credit plays an important role. The perfection of agricultural credit is the only way to improve agricultural financial support. Therefore, this paper analyzes the current situation of agricultural credit in Heilongjiang Province, and puts forward corresponding suggestions to improve the existing problems. In this paper, the research on agricultural credit at home and abroad in recent years is combed in order to lay the theoretical foundation of the research; through field investigation to understand the current situation of agricultural credit development in Heilongjiang Province, the overall situation of agricultural development in Heilongjiang Province is summarized. This paper analyzes the current situation of agricultural credit development in Heilongjiang Province from the perspective of credit providers, points out the existing problems in the development of agricultural credit, studies the behavior of both sides of credit in agricultural credit through game analysis, and analyzes the game results. Then, by expanding the effective collateral of agricultural credit, perfecting the credit evaluation system, adjusting the way of credit repayment, widening the interest rate of agriculture-related credit, perfecting the financial supervision policy and public service system, The government set up guarantee fund in six aspects to improve the agricultural credit in Heilongjiang Province. The research in this paper is helpful for financial institutions to accurately grasp the current development trend of agricultural credit market in Heilongjiang Province, improve the quality of agricultural credit, meet the needs of farmers and agribusiness to a greater extent, and promote the stable development of agriculture in Heilongjiang Province. To lay a foundation for the further study of agricultural credit 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】：2017
【分類號(hào)】：F832.43

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