本文選題：涉農(nóng)貸款 + 涉農(nóng)貸款發(fā)展�。� 參考：《上海海洋大學(xué)》2014年碩士論文

【摘要】：在中國，農(nóng)業(yè)是我國的重要經(jīng)濟產(chǎn)業(yè)，農(nóng)業(yè)的發(fā)展是工業(yè)和服務(wù)業(yè)發(fā)展的基礎(chǔ)和前提，只有農(nóng)業(yè)發(fā)展的好，保障糧食的充足供應(yīng)，才能解決我國13億人口的吃飯問題，只有溫飽問題解決了，才能考慮其他產(chǎn)業(yè)部門的發(fā)展，所以說農(nóng)業(yè)是國民經(jīng)濟的一個重要戰(zhàn)略產(chǎn)業(yè)，是是關(guān)系到國民經(jīng)濟能否健康快速發(fā)展的一條重要經(jīng)濟命脈。國家十二五規(guī)劃對于農(nóng)業(yè)發(fā)展的未來五年規(guī)劃是始終堅持要轉(zhuǎn)換農(nóng)業(yè)的發(fā)展方式，堅持走農(nóng)業(yè)現(xiàn)代化的道路，并且要注重實事求是，道路的選擇要符合中國國情，確定中國特色化。當(dāng)然，農(nóng)業(yè)要發(fā)展對于資金的需求是非常大的，農(nóng)民目前資金的來源除了依靠政府的政策性支持和自身儲蓄能力外，大部分資金都只能依靠銀行和非銀行金融機構(gòu)的貸款支持。所以無論從理論方面還是從實務(wù)操作方面來說，經(jīng)濟學(xué)專家們都非常熱衷于探索農(nóng)業(yè)金融對于農(nóng)業(yè)經(jīng)濟增長之間的影響。從目前的研究現(xiàn)狀來看，，合理的農(nóng)業(yè)金融對于農(nóng)業(yè)經(jīng)濟增長應(yīng)該是促進作用，但是由于國家區(qū)域差異、研究角度不同、數(shù)據(jù)統(tǒng)計偏差等問題，導(dǎo)致研究結(jié)果千差萬別。 論文引言部分首先闡述了研究背景和研究目的，然后綜述了國內(nèi)外研究文獻，并對國內(nèi)外研究結(jié)果進行簡要評述，在此基礎(chǔ)上提出論文研究的角度和現(xiàn)實意義。最后根據(jù)研究內(nèi)容設(shè)計論文的技術(shù)路線圖，說明論文研究用到的研究方法。 論文第二章主要是介紹了涉農(nóng)貸款發(fā)展的相關(guān)概念及理論，主要是介紹了涉農(nóng)貸款的含義和統(tǒng)計范疇，并從按用途分類、按城鄉(xiāng)域分類、按承貸主體分類三個角度進行分類，其次還介紹了農(nóng)業(yè)經(jīng)濟增長的概念和農(nóng)業(yè)經(jīng)濟發(fā)展的區(qū)別，最后介紹了涉農(nóng)貸款發(fā)展的相關(guān)理論依據(jù)。 論文第三章主要是對涉農(nóng)貸款與農(nóng)業(yè)經(jīng)濟增長的現(xiàn)狀及相關(guān)性進行分析。首先根據(jù)《金融年鑒》、《農(nóng)業(yè)統(tǒng)計年鑒》等資料，整理出有效數(shù)據(jù)，以圖表和文字結(jié)合的形式分析了涉農(nóng)貸款和農(nóng)業(yè)經(jīng)濟增長的現(xiàn)狀，然后利用VAR模型實證分析了涉農(nóng)貸款與農(nóng)業(yè)經(jīng)濟增長的相關(guān)性，結(jié)論得出目前我國涉農(nóng)貸款的單位變化對農(nóng)業(yè)經(jīng)濟增長出現(xiàn)了負面影響 論文第四章主要根據(jù)涉農(nóng)貸款與農(nóng)業(yè)經(jīng)濟增長實證研究的結(jié)論，結(jié)合涉農(nóng)貸款與農(nóng)業(yè)經(jīng)濟增長的現(xiàn)狀，指出我國涉農(nóng)貸款目前發(fā)展過程中所出現(xiàn)的問題，即正規(guī)金融機構(gòu)的支持力度不夠，非正規(guī)金融發(fā)展的法律依據(jù)不足，涉農(nóng)貸款的信用擔(dān)保體系不完善等問題。 論文第五章根據(jù)目前我國涉農(nóng)貸款在影響農(nóng)業(yè)經(jīng)濟增長的過程中存在的問題，提出幾點對策建議：大力發(fā)展涉農(nóng)保險，分散農(nóng)業(yè)信貸的信用風(fēng)險；建立健全涉農(nóng)貸款信用體系，加強農(nóng)漁民的法律意識；探索抵押擔(dān)保新途徑，開發(fā)農(nóng)業(yè)貸款新模式；靈活運用正規(guī)金融機構(gòu)，規(guī)范發(fā)展民間金融。 論文第六章主要是得出結(jié)論和指出改文章存在的不足之處。
[Abstract]:In China, agriculture is an important economic industry in our country, and the development of agriculture is the basis and prerequisite for the development of industry and services. Only if the development of agriculture is good and the adequate supply of grain can be guaranteed, can the problem of feeding the 1.3 billion people of our country be solved. Only when the problem of food and clothing is solved can the development of other industrial departments be considered. Therefore, agriculture is an important strategic industry of the national economy and an important economic lifeline related to the healthy and rapid development of the national economy. The 12th Five-Year Plan of the State for the next five years of agricultural development is to always insist on changing the mode of agricultural development, adhere to the road of agricultural modernization, and pay attention to seeking truth from facts, and the choice of the road should be in line with China's national conditions. To determine the characteristics of China. Of course, the demand for funds in agriculture development is very large. Besides the policy support and saving ability of the government, most of the funds can only be supported by loans from banks and non-bank financial institutions. Therefore, both theoretically and practically, economists are keen to explore the impact of agricultural finance on agricultural economic growth. From the current research situation, reasonable agricultural finance should promote agricultural economic growth. However, due to the differences of national and regional differences, research angles, data statistical deviation and other problems, the results of the research are very different. In the introduction part of the paper, the background and purpose of the research are introduced, and then the domestic and foreign research literature is summarized, and the research results at home and abroad are briefly reviewed. On this basis, the point of view and practical significance of the research are put forward. Finally, according to the content of the paper, the technical roadmap is designed to explain the research methods used in the paper. The second chapter mainly introduces the related concepts and theories of the development of agriculture-related loans, mainly introduces the meaning and statistical category of agriculture-related loans, and classifies them from three angles: the classification by use, the classification by urban and rural areas, and the classification by the principal part of credit. Secondly, it introduces the concept of agricultural economic growth and the difference of agricultural economic development, and finally introduces the relevant theoretical basis of agricultural loan development. The third chapter mainly analyzes the current situation and correlation between agricultural loans and agricultural economic growth. First of all, according to the financial yearbook, the agricultural statistics yearbook and other data, collate the effective data, and analyze the current situation of agricultural loans and agricultural economic growth in the form of a combination of charts and words. Then the correlation between agricultural loans and agricultural economic growth is empirically analyzed by using VAR model, and the conclusion is drawn that the unit change of agricultural loans in China has a negative impact on agricultural economic growth at present. In the fourth chapter, according to the conclusions of the empirical research on agricultural loans and agricultural economic growth, combined with the current situation of agricultural loans and agricultural economic growth, the paper points out the problems in the current development process of agricultural loans in China. That is, the support of formal financial institutions is not enough, the legal basis for the development of informal finance is insufficient, and the credit guarantee system of agriculture-related loans is not perfect. In the fifth chapter, according to the problems existing in the process of affecting the agricultural economic growth in our country, some countermeasures and suggestions are put forward: developing agricultural insurance vigorously, dispersing the credit risk of agricultural credit, establishing and perfecting the credit system of agriculture-related loans. To strengthen the legal consciousness of agriculture and fishermen, to explore new ways of mortgage guarantee, to develop a new mode of agricultural loan, to make flexible use of formal financial institutions and to standardize the development of private finance. The sixth chapter is to draw conclusions and point out the shortcomings of the article.
【學(xué)位授予單位】：上海海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F323.8;F832.43;F224

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