【摘要】：中國是具有典型二元經(jīng)濟特征的國家,農(nóng)村經(jīng)濟作為二元經(jīng)濟中的一元,在國民經(jīng)濟體系中占有重要地位。而農(nóng)村金融作為農(nóng)村經(jīng)濟的核心部分,它的發(fā)展水平更是關(guān)系著農(nóng)村經(jīng)濟發(fā)展質(zhì)量,農(nóng)業(yè)產(chǎn)業(yè)升級優(yōu)化,提升農(nóng)村居民生活質(zhì)量等多方面。在我國“三農(nóng)”建設(shè)過程中,想要改善并最終解決農(nóng)業(yè)產(chǎn)業(yè)瓶頸的矛盾,金融體系的完善發(fā)展是一個重要的方面。但是,如何有效得使農(nóng)業(yè)部門高效率的運行,還要使金融體系得到合理的利潤并有效發(fā)展,這種平衡關(guān)系值得研究。通過對農(nóng)村金融需求和供給水平的調(diào)查,分析研究解決農(nóng)村金融發(fā)展的困境,促進我國農(nóng)村金融體系向著更加市場多元化以及規(guī)范法制化的方向蓬勃發(fā)展,對于提高農(nóng)民生活水平,促進“三農(nóng)”建設(shè),具有深刻的理論和現(xiàn)實作用�？傮w上看,論文可以分為六個部分:第一部分是導(dǎo)論。導(dǎo)論主要闡述了論文研究的背景以及選擇題目的意義、介紹了研究目的。分別從農(nóng)戶金融需求與供給,農(nóng)村中小企業(yè)金融需求與供給兩方面概括了國內(nèi)外研究動態(tài)。并說明了論文的數(shù)據(jù)來源以及技術(shù)路線圖,指出論文可能的創(chuàng)新之處以及需要繼續(xù)改進的地方。第二部分是一些關(guān)于農(nóng)村金融供給與需求相關(guān)的理論概述。包括二元經(jīng)濟結(jié)構(gòu)理論,信息不對稱理論,金融抑制與金融深化理論以及金融需求追隨與供給領(lǐng)先理論。并將農(nóng)村金融需求按照農(nóng)戶,中小企業(yè)分類。第三部分是對太和縣農(nóng)村經(jīng)濟與農(nóng)村金融發(fā)展現(xiàn)狀進行分析。站在太和縣經(jīng)濟金融發(fā)展實際情況的角度上,分析太和縣農(nóng)村金融發(fā)展的總體情況,并指出了一些發(fā)展過程中存在的阻礙因素。第四部分是關(guān)于太和縣農(nóng)村金融實證分析。筆者通過實地問卷調(diào)查收集數(shù)據(jù),對縣域內(nèi)農(nóng)戶、農(nóng)村中小企業(yè)金融需求按照融資需求,融資渠道,融資環(huán)境三個層面進行統(tǒng)計和分析,同時對農(nóng)村金融機構(gòu)的部分情況進行了解,指出太和縣農(nóng)村金融供求表現(xiàn)出的一些問題。第五部分是對國外的農(nóng)村金融服務(wù)體系進行概括,來發(fā)現(xiàn)有益于改善我國農(nóng)村金融供求方向的途徑。以美國,德國,孟加拉國為具體事例,通過對發(fā)達國家以及發(fā)展中國家的農(nóng)村金融服務(wù)體系的分析,結(jié)合本國國情來分別借鑒經(jīng)驗。第六部分是促進太和縣農(nóng)村金融發(fā)展的建議。立足于太和縣的實際情況,分別從政府支持角度,金融機構(gòu)金融產(chǎn)品創(chuàng)新,環(huán)境宣傳等角度提出了相關(guān)建議。
[Abstract]:China is a country with typical dual economic characteristics. As a single part of dual economy, rural economy plays an important role in the national economic system. Rural finance is the core part of rural economy, its development level is related to the quality of rural economic development, the upgrading and optimization of agricultural industry, the improvement of the quality of life of rural residents, and so on. In the process of the construction of agriculture, rural areas and farmers in China, it is an important aspect to improve and finally solve the contradiction of the bottleneck of agricultural industry. However, how to make the agricultural sector run efficiently, and how to make the financial system get reasonable profit and develop effectively, is worth studying. Through the investigation of rural financial demand and supply level, this paper analyzes and studies and solves the dilemma of rural financial development, and promotes the rural financial system of our country to develop vigorously in the direction of more diversified market and standardized legalization. It has profound theoretical and practical functions for improving the living standard of farmers and promoting the construction of agriculture, rural areas and farmers. Overall, the paper can be divided into six parts: the first part is an introduction. The introduction mainly describes the background of the paper and the significance of selecting topics, and introduces the purpose of the research. The research trends at home and abroad are summarized from the aspects of farmers' financial demand and supply, rural SMEs' financial demand and supply. The data source and technical roadmap of the paper are explained, and the possible innovations of the paper as well as the areas that need to be further improved are pointed out. The second part is about some theories about rural financial supply and demand. It includes dual economic structure theory, information asymmetry theory, financial suppression and financial deepening theory and financial demand follow and supply leading theory. And the rural financial needs according to farmers, small and medium-sized classification. The third part analyzes the present situation of rural economy and rural finance development in Taihe County. From the point of view of the actual situation of economic and financial development in Taihe County, this paper analyzes the overall situation of rural financial development in Taihe County, and points out some obstacles in the process of development. The fourth part is about Taihe County rural finance demonstration analysis. The author collects the data through the field questionnaire investigation, carries on the statistics and the analysis to the county area peasant household, the rural small and medium-sized enterprise financial demand according to the financing demand, the financing channel, the financing environment three levels, At the same time, some problems of rural financial supply and demand in Taihe County are pointed out. The fifth part is to summarize the rural financial service system in foreign countries, to find ways to improve the direction of rural financial supply and demand. Taking the United States, Germany and Bangladesh as concrete examples, through the analysis of the rural financial service system in developed and developing countries, we can draw lessons from the experience in combination with our own national conditions. The sixth part is the suggestion to promote the development of rural finance in Taihe County. Based on the actual situation of Taihe County, this paper puts forward some relevant suggestions from the angle of government support, financial product innovation of financial institutions, environmental propaganda and so on.
【學(xué)位授予單位】：安徽農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.35

【參考文獻】

相關(guān)期刊論文 前10條

1 張微微;;美國農(nóng)村金融體系創(chuàng)新性特征研究及借鑒意義[J];世界農(nóng)業(yè);2014年11期

2 王仁智;唐婧;;中關(guān)村中小微企業(yè)信貸產(chǎn)品體系發(fā)展與啟示[J];經(jīng)濟研究導(dǎo)刊;2014年19期

3 何清華;;商業(yè)銀行大中小企業(yè)信貸風(fēng)險分析及防范對策[J];現(xiàn)代經(jīng)濟信息;2014年12期

4 江云;;商業(yè)銀行發(fā)展小微企業(yè)金融服務(wù)的必要性及措施分析[J];財經(jīng)界(學(xué)術(shù)版);2014年12期

5 任豪;趙婧含;;美國農(nóng)村金融系統(tǒng)研究及其對我國的啟示[J];經(jīng)營管理者;2014年14期

6 李蘭琴;;淺談農(nóng)村合作銀行對中小企業(yè)的金融支持面臨的問題和改善措施[J];商場現(xiàn)代化;2013年13期

7 朱孟楠;鄧文軒;;破解中小企業(yè)融資難的新路徑——芻議商業(yè)銀行主導(dǎo)整合中小企業(yè)金融服務(wù)[J];江西社會科學(xué);2013年04期

8 王曄;;德國農(nóng)村合作金融對我國農(nóng)村金融改革的啟示[J];江蘇農(nóng)村經(jīng)濟;2013年02期

9 冷德軍;;對欠發(fā)達地區(qū)農(nóng)村金融扶持政策落實情況調(diào)查與反思——以安徽省阜陽市為例[J];金融縱橫;2012年10期

10 劉宗歌;李小軍;;中小企業(yè)融資問題及對策——國內(nèi)外研究綜述[J];經(jīng)濟研究導(dǎo)刊;2012年01期

相關(guān)重要報紙文章 前1條

1 曾新勝;;德國農(nóng)村金融體系三種金融模式加強農(nóng)村信貸[N];東方城鄉(xiāng)報;2007年

相關(guān)碩士學(xué)位論文 前2條

1 吳祥東;懷遠縣農(nóng)村金融需求研究[D];安徽大學(xué);2012年

2 陳劍影;商業(yè)銀行對中小企業(yè)金融支持中的風(fēng)險控制[D];武漢理工大學(xué);2003年

，

本文編號：2333894