本文選題：金融支持　切入點：現(xiàn)代農業(yè)　出處：《西北農林科技大學》2015年碩士論文

【摘要】：多年來,我國高度重視“三農”問題。從各國經驗來看,解決“三農”問題,關鍵是發(fā)展現(xiàn)代農業(yè)。金融支農作為助推“三農”發(fā)展的重要手段,在現(xiàn)代農業(yè)的發(fā)展中更起著不可代替的作用。農村金融機構發(fā)展、涉農貸款投入、農業(yè)保險制度等諸多因素,都在不同程度上影響著現(xiàn)代農業(yè)的發(fā)展空間和水平。如何提高金融支農服務水平,滿足農業(yè)發(fā)展需要,提高農民收入,進而促進現(xiàn)代農業(yè)經濟的發(fā)展,已經成為社會各界普遍關注的問題,金融支農如何更精準發(fā)力值得我們思考。本文寫作中翻閱了大量國內外金融支持現(xiàn)代農業(yè)發(fā)展的相關文獻資料及農村金融相關理論,通過六個章節(jié)的內容講述了鄂爾多斯市金融支持現(xiàn)代農業(yè)中存在問題及原因分析,最后通過借鑒國際先進經驗,總結出解決問題的政策建議。鄂爾多斯市是工業(yè)型城市,現(xiàn)代農業(yè)起步較晚,但前景廣闊。從目前金融對現(xiàn)代農業(yè)的支持情況來看,鄂爾多斯市的金融支農資金投入在持續(xù)增長,但資金總量不足、金融支農信貸取得一定效果、金融支農政策框架基本形成、金融支農形式與時俱進,但相關產品創(chuàng)新滯后、農村金融生態(tài)環(huán)境建設也已經提上日程,可見,鄂爾多斯市的金融支農工作取得了一定的成績。同時我們也發(fā)現(xiàn)了一些不足,金融支農資金總量不足、支農資金用途不規(guī)范、支農風險不可控、農村金融生態(tài)環(huán)境惡劣等問題的存在制約著金融支農工作的進展。究其根源,主要是由財政支農力度小,農業(yè)生產資金缺口只能由銀行信貸來填補,導致金融支農壓力加大、農村金融機構缺失及信貸產品陳舊等金融體系不完善問題突出、鄂爾多斯市到目前為止農業(yè)保險制度都不健全、農村信用體系建設落后等原因造成。美國給予農業(yè)發(fā)展充足的財政補貼、日本形成了健全的農村金融體系、德國金融支農組織先進、法國制定了完善的農業(yè)保險制度,這些國家的現(xiàn)代農業(yè)快速發(fā)展,為我國的金融支農工作提供了寶貴的經驗。將這些經驗與鄂爾多斯市的金融支農實際相結合,總結出大財政支農力度、完善農村金融體系、完善農業(yè)保險制度、健全農村信用體系這四個方面入手,解決鄂爾多斯市金融支持現(xiàn)代農業(yè)中存在的問題,推動鄂爾多斯農業(yè)經濟快速發(fā)展。論文對于改善鄂爾多斯市農村金融服務現(xiàn)狀,促進現(xiàn)代農業(yè)更好更快地的發(fā)展,提升鄂爾多斯市涉農金融機構的管理服務水平,推動鄂爾多斯市城鄉(xiāng)一體化建設進程、產業(yè)轉型升級、經濟快速發(fā)展,具有一定實踐意義。
[Abstract]:Over the years, China has attached great importance to the issue of "agriculture, countryside and farmers". From the experience of various countries, the key to solving the problem of "agriculture, rural areas and farmers" lies in the development of modern agriculture. Financial support for agriculture is an important means to promote the development of "three rural areas". It plays an irreplaceable role in the development of modern agriculture. The development of rural financial institutions, agricultural loan investment, agricultural insurance system, and many other factors, How to improve the level of financial support for agriculture, meet the needs of agricultural development, increase the income of farmers, and then promote the development of modern agricultural economy. Financial support for agriculture is worth our consideration. In this paper, we have read a large number of domestic and foreign financial support for modern agricultural development related literature and rural finance related theories. Through the content of six chapters, this paper describes the existing problems and causes in the financial support of modern agriculture in Ordos, and finally summarizes the policy suggestions for solving the problems by drawing lessons from international advanced experience. Ordos is an industrial city. Modern agriculture started late, but it has a bright future. Judging from the current financial support for modern agriculture, the investment of financial support for agriculture in Ordos is continuously increasing, but the total amount of funds is insufficient, and the financial credit for agricultural support has achieved certain results. The policy framework of financial support for agriculture is basically formed, the form of financial support for agriculture keeps pace with the times, but the innovation of related products lags behind, and the construction of rural financial ecological environment has also been put on the agenda. The financial support for agriculture in Ordos has made some achievements. At the same time, we have also found some shortcomings, the total amount of financial support for agriculture is insufficient, the use of financial support for agriculture is not standardized, and the risk of supporting agriculture is not controllable. The existence of rural financial ecological environment restricts the progress of financial support for agriculture. The root cause is that the financial support for agriculture is small, the gap of agricultural production funds can only be filled by bank credit, and the pressure of financial support for agriculture is increased. The lack of rural financial institutions and outdated credit products are outstanding problems in the financial system. So far, the agricultural insurance system in Ordos has not been perfect. The backward construction of the rural credit system resulted from the fact that the United States provided adequate financial subsidies for the development of agriculture, Japan formed a sound rural financial system, the German financial support organization was advanced, and France formulated a sound agricultural insurance system. The rapid development of modern agriculture in these countries has provided valuable experience for our country's financial support for agriculture. By combining these experiences with the actual situation of financial support for agriculture in Ordos City, we can sum up the great financial support for agriculture and improve the rural financial system. By perfecting the agricultural insurance system and perfecting the rural credit system, we can solve the problems existing in the financial support of modern agriculture in Ordos. To improve the present situation of rural financial services in Ordos, to promote the development of modern agriculture better and faster, and to improve the management and service level of agricultural financial institutions in Ordos. It is of practical significance to promote the process of urban and rural integration construction, industrial transformation and upgrading, and rapid economic development in Ordos.
【學位授予單位】：西北農林科技大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.43;F327

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