本文關(guān)鍵詞： 農(nóng)業(yè)經(jīng)濟(jì) 產(chǎn)業(yè)鏈融資 發(fā)展問題 政策取向　出處：《東北師范大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：一直以來,“三農(nóng)”問題都是政府工作的重心,2014年以來的政府工作報(bào)告也提出,在普惠金融的背景下,必須加快農(nóng)村金融制度創(chuàng)新,促使銀行等金融機(jī)構(gòu)更好地履行服務(wù)、支持“三農(nóng)”的職責(zé)。但目前,我國農(nóng)村金融服務(wù)依然不能滿足農(nóng)戶生產(chǎn)生活的需求,也未能滿足國家農(nóng)業(yè)產(chǎn)業(yè)化發(fā)展的要求。在我國,農(nóng)業(yè)產(chǎn)業(yè)化仍處在初級(jí)階段,發(fā)展尚不充分,農(nóng)戶為發(fā)展農(nóng)業(yè)產(chǎn)業(yè)化而產(chǎn)生的資金缺口,難以通過傳統(tǒng)的融資渠道獲得。農(nóng)業(yè)從業(yè)人口大,但分布高度分散,導(dǎo)致農(nóng)業(yè)經(jīng)營規(guī)模較小,集約化程度低;農(nóng)業(yè)生產(chǎn)受季節(jié)約束,生產(chǎn)周期長(zhǎng),受環(huán)境影響因素大等因素也放大了銀行貸款所面臨的違約風(fēng)險(xiǎn)。而農(nóng)業(yè)產(chǎn)業(yè)鏈融資作為金融創(chuàng)新,通過多年的發(fā)展,在國外已取得一定的理論成果和成功案例。農(nóng)業(yè)產(chǎn)業(yè)鏈融資特有的聯(lián)合增信模式,可以為緩解我國農(nóng)戶融資難提供一定的解決思路。除引言外,本文可分為三個(gè)部分:第一部分是解釋農(nóng)業(yè)產(chǎn)業(yè)鏈融資的相關(guān)概念和理論,介紹我國農(nóng)業(yè)產(chǎn)業(yè)鏈融資發(fā)展現(xiàn)狀,在此基礎(chǔ)上闡述發(fā)展農(nóng)業(yè)產(chǎn)業(yè)鏈融資的必要性。第二部分是重點(diǎn)論述農(nóng)業(yè)產(chǎn)業(yè)鏈融資發(fā)展的制約因素。由于農(nóng)業(yè)產(chǎn)業(yè)化程度不高、農(nóng)產(chǎn)品價(jià)格易波動(dòng),核心企業(yè)實(shí)力不強(qiáng)等制約因素存在,目前農(nóng)業(yè)產(chǎn)業(yè)鏈融資很難大規(guī)模開展。第三部分是提出相應(yīng)的對(duì)策建議。針對(duì)第二部分所論述的制約因素,在當(dāng)前普惠金融時(shí)代,如何充分發(fā)揮農(nóng)業(yè)產(chǎn)業(yè)鏈融資對(duì)農(nóng)業(yè)經(jīng)濟(jì)的帶動(dòng)效應(yīng),從而實(shí)現(xiàn)農(nóng)村經(jīng)濟(jì)增長(zhǎng),需要政府政策的配合。
[Abstract]:All along, the issue of "agriculture, countryside and farmers" has always been the focus of government work. The report on government work since 2014 also pointed out that in the context of inclusive finance, it is necessary to speed up the innovation of the rural financial system and urge financial institutions, such as banks, to better perform their services. However, at present, rural financial services in China still cannot meet the needs of farmers' production and life, nor can they meet the requirements of the development of national agricultural industrialization. In our country, agricultural industrialization is still at an initial stage. The development is not enough, the fund gap produced by farmers to develop agricultural industrialization is difficult to obtain through the traditional financing channel. The agricultural employed population is large, but the distribution is highly dispersed, which leads to the small scale of agricultural management and the low degree of intensification. Agricultural production is restricted by seasons, has a long production cycle, and is greatly affected by environmental factors, which also magnify the risk of default faced by bank loans. As a financial innovation, agricultural industry chain financing has been developed for many years. Some theoretical achievements and successful cases have been obtained in foreign countries. The unique mode of joint credit enhancement in agricultural industry chain financing can provide some solutions to ease the difficulties of farmers' financing in China. This paper can be divided into three parts: the first part is to explain the related concepts and theories of agricultural industrial chain financing, introduce the current situation of agricultural industry chain financing development in China. On this basis, the necessity of developing agricultural industry chain financing is expounded. The second part focuses on the restricting factors of agricultural industry chain financing development. Because of the low degree of agricultural industrialization, the price of agricultural products fluctuates easily. At present, the financing of agricultural industry chain is very difficult to develop on a large scale. The third part is to put forward the corresponding countermeasures and suggestions. In view of the constraints discussed in the second part, in the current inclusive finance era, How to give full play to the driving effect of agricultural industry chain financing on agricultural economy and realize the rural economic growth need the cooperation of government policy.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F321;F832.43

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