【摘要】：近年來,支農(nóng)再貸款在解決商洛市涉農(nóng)信貸資金短缺,促進商洛市涉農(nóng)經(jīng)濟發(fā)展,助推農(nóng)民脫貧致富等方面發(fā)揮著重要作用。然而,隨著農(nóng)村信用社等地方法人金融機構(gòu)經(jīng)營狀況、資金實力的好轉(zhuǎn),支農(nóng)再貸款的使用和管理方面出現(xiàn)了一些問題,致使支農(nóng)再貸款的貨幣政策傳導(dǎo)效應(yīng)有所下降,影響了該地區(qū)“三農(nóng)”經(jīng)濟發(fā)展。因此,研究商洛市支農(nóng)再貸款問題具有重要的實踐意義和政治意義。論文以商洛市支農(nóng)再貸款為研究對象,在探析、借鑒國內(nèi)外研究理論基礎(chǔ)上,從交易成本理論、普惠金融理論、不完全競爭市場理論及支農(nóng)再貸款的政策演變出發(fā),闡述了商洛市當(dāng)前支農(nóng)再貸款現(xiàn)狀,通過走訪及資料搜集,分析了商洛市支農(nóng)再貸款的現(xiàn)狀、存在問題,在進行原因分析的基礎(chǔ)上提出了加強商洛市支農(nóng)再貸款管理的對策與建議。論文針對商洛市支農(nóng)再貸款在借款積極性、傳導(dǎo)中介種類和數(shù)量、運用支農(nóng)再貸款的涉農(nóng)貸款利率、支農(nóng)再貸款用途等方面存在的問題,逐條分析解答,認為商洛市支農(nóng)再貸款的存在問題應(yīng)從以下四個方面進行改進:一是簡化繁雜的支農(nóng)再貸款管理、適當(dāng)擴大支農(nóng)再貸款借款利差、探索建立支農(nóng)再貸款風(fēng)險防范和補償機制,以提高借用支農(nóng)再貸款的積極性;二是將三農(nóng)金融事業(yè)部納入支農(nóng)再貸款發(fā)放對象、鼓勵各商業(yè)銀行籌建村鎮(zhèn)銀行、鼓勵涉農(nóng)金融機構(gòu)將網(wǎng)點下沉到鄉(xiāng)鎮(zhèn),以豐富支農(nóng)再貸款傳導(dǎo)中介;三是嚴禁運用支農(nóng)再貸款的涉農(nóng)貸款利率一浮到頂和以自有資金利率發(fā)放,以規(guī)范運用支農(nóng)再貸款的涉農(nóng)貸款利率;四是對支農(nóng)再貸款使用大戶下達扶貧指標,擴大支農(nóng)再貸款使用范圍、嚴懲支農(nóng)再貸款同業(yè)拆解或上存等行為,以健全和規(guī)范支農(nóng)再貸款的用途。
[Abstract]:In recent years, agriculture-related credit loan plays an important role in solving the shortage of credit funds in Shangluo, promoting the development of agriculture-related economy in Shangluo, and promoting farmers to get rid of poverty and become rich. However, with the situation of the operation of the local legal person financial institutions such as rural credit cooperatives and the improvement of the capital strength, there are some problems in the use and management of the agricultural reloans, resulting in a decline in the monetary policy transmission effect of the agricultural reloans. It has affected the economic development of "agriculture, countryside and farmers" in this area. Therefore, it is of great practical and political significance to study the problem of supporting agriculture re-loan in Shangluo City. On the basis of analyzing and analyzing the theory of supporting agriculture in Shangluo City, the paper starts from the theory of transaction cost, the theory of inclusive finance, the theory of incomplete competition market and the evolution of the policy of supporting agriculture reloan, based on the research theory at home and abroad. This paper expounds the current situation of relending to agriculture in Shangluo City, analyzes the present situation and existing problems of the relending to farmers in Shangluo City through visiting and collecting data. On the basis of the reason analysis, this paper puts forward the countermeasures and suggestions to strengthen the management of agriculture-supporting reloan in Shangluo City. In view of the problems existing in the loan enthusiasm, the type and quantity of transmission intermediary, the interest rate of agriculture-related loan and the use of agriculture-supporting re-loan in Shangluo City, the paper analyzes and answers the problems one by one, in terms of the interest rate of agriculture-related loans. It is considered that the existing problems of agricultural reloan in Shangluo City should be improved from the following four aspects: first, simplifying the complicated management of supporting agricultural reloan, properly expanding the spread of interest rate on relending to support agriculture, and exploring the establishment of a mechanism to prevent and compensate the risk of supporting agriculture reloan. In order to improve the enthusiasm of borrowing and relending to agriculture; The second is to bring the financial services department of agriculture, rural areas and farmers into the object of supporting agriculture re-loan, encourage the commercial banks to set up village and town banks, encourage the agriculture-related financial institutions to sink the network to villages and towns, in order to enrich the intermediary of supporting agriculture re-loan transmission; Third, it is strictly forbidden to use the agriculture-related loan interest rate of supporting agriculture reloan to float to the top and to grant it with the interest rate of own capital, in order to standardize the interest rate of the agriculture-related loan of supporting agriculture re-loan; Fourth, we will issue poverty alleviation targets to large farmers using reloans to support agriculture, expand the scope of use of reloans for agriculture, and severely punish inter-bank lending or deposit for supporting agriculture in order to improve and standardize the use of reloans to support agriculture.
【學(xué)位授予單位】：西北農(nóng)林科技大學(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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