本文選題：金融支持 + 農(nóng)村經(jīng)濟(jì)��； 參考：《西北農(nóng)林科技大學(xué)》2015年碩士論文

【摘要】：農(nóng)村經(jīng)濟(jì)發(fā)展情況決定了農(nóng)村金融發(fā)展程度,而農(nóng)村經(jīng)濟(jì)發(fā)展的速度又受到農(nóng)村金融發(fā)展?fàn)顩r的極大影響。研究農(nóng)村金融發(fā)展與農(nóng)村經(jīng)濟(jì)增長間的關(guān)系,對(duì)于探究更有效的農(nóng)村金融支持農(nóng)村經(jīng)濟(jì)發(fā)展的路徑和對(duì)策,充分發(fā)揮農(nóng)村金融支持農(nóng)村經(jīng)濟(jì)發(fā)展的影響作用具有重要意義。本文以陜西省農(nóng)村金融業(yè)發(fā)展相對(duì)較差,并限制了農(nóng)村經(jīng)濟(jì)發(fā)展水平為大背景,在綜合研究國內(nèi)外農(nóng)村金融理論的基礎(chǔ)上,對(duì)陜西省自2001年以來農(nóng)村金融和農(nóng)村經(jīng)濟(jì)發(fā)展的實(shí)際狀況進(jìn)行了SWOT分析和實(shí)證分析。SWOT分析結(jié)論為:正規(guī)農(nóng)村金融機(jī)構(gòu)應(yīng)當(dāng)充分利用優(yōu)惠扶持政策促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展,發(fā)揮自身獨(dú)特優(yōu)勢,管控資金流向,加大對(duì)金融機(jī)構(gòu)融資的宣傳力度,增加信貸供給額度,推動(dòng)農(nóng)村經(jīng)濟(jì)穩(wěn)步發(fā)展;非正規(guī)農(nóng)村金融機(jī)構(gòu)應(yīng)當(dāng)提升資產(chǎn)品質(zhì)以及增投凈資本等方式消除和降低風(fēng)險(xiǎn)。實(shí)證分析結(jié)論為:從農(nóng)村金融相關(guān)比率的情況反映出改革開放以來陜西省農(nóng)村金融已經(jīng)獲得了很大發(fā)展;從農(nóng)村金融發(fā)展效率水平來看,陜西省農(nóng)村金融的資金配置效率不高,即現(xiàn)有的農(nóng)村正規(guī)金融機(jī)構(gòu)從農(nóng)村地區(qū)吸收的資金量遠(yuǎn)高于投入農(nóng)村地區(qū)的資金量,農(nóng)村經(jīng)濟(jì)發(fā)展仍面臨資金缺乏的困境。在對(duì)陜西省農(nóng)村金融支持農(nóng)村經(jīng)濟(jì)發(fā)展的理論和實(shí)證的基礎(chǔ)上,文章詳述了制約陜西省農(nóng)村金融支持農(nóng)村經(jīng)濟(jì)發(fā)展的金融市場結(jié)構(gòu)、農(nóng)村金融供給、金融生態(tài)環(huán)境、農(nóng)村信用社支農(nóng)服務(wù)等因素,并分析歸納了比較收益較低導(dǎo)致農(nóng)村金融結(jié)構(gòu)調(diào)整緩慢、供給不足導(dǎo)致對(duì)農(nóng)村經(jīng)濟(jì)的推動(dòng)力不足、城鄉(xiāng)二元金融結(jié)構(gòu)造成農(nóng)村金融發(fā)展嚴(yán)重滯后、市場競爭秩序不完善導(dǎo)致市場效率低下等四種制約原因。最后,文章提出了“優(yōu)化農(nóng)村金融市場結(jié)構(gòu),改善金融服務(wù)經(jīng)濟(jì)的效果;改善金融生態(tài)環(huán)境,促進(jìn)金融支持與經(jīng)濟(jì)發(fā)展對(duì)接;突出金融支持重點(diǎn),調(diào)整優(yōu)化農(nóng)村產(chǎn)業(yè)結(jié)構(gòu);把握農(nóng)村形勢,強(qiáng)化政策性金融支農(nóng)力度;金融支持農(nóng)業(yè)人才教育,充實(shí)農(nóng)村人力資源”等五條農(nóng)村金融支持農(nóng)村經(jīng)濟(jì)發(fā)展的結(jié)論及建議。
[Abstract]:The development of rural economy determines the degree of rural financial development, and the speed of rural economic development has been greatly influenced by the situation of rural financial development. The study of the relationship between rural financial development and rural economic growth is the way to explore more effective rural financial support for rural economic development and give full play to rural finance. The impact of supporting rural economic development is of great significance. In this paper, the development of rural financial industry in Shaanxi province is relatively poor, and the development level of rural economy is limited. On the basis of comprehensive research on the domestic and foreign rural financial theory, the actual situation of the rural financial and rural economic development since 2001 has been carried out in Shaanxi province. SWOT analysis and empirical analysis of.SWOT analysis concluded that the formal rural financial institutions should make full use of preferential policies to promote the development of rural economy, play their own unique advantages, control the flow of funds, increase the publicity of financial institutions, increase the amount of credit supply, and promote the steady development of the rural economy; the informal rural financial machinery. The conclusion is that the rural finance of Shaanxi province has been greatly developed since the reform and opening up. From the level of rural financial development efficiency, the allocation efficiency of rural finance in Shaanxi province is not good. High, that is, the amount of funds absorbed by the existing rural formal financial institutions from rural areas is far higher than the amount of funds invested in rural areas, and the development of rural economy still faces the plight of lack of funds. On the basis of the theory and empirical analysis of rural financial support for rural economy in Shaanxi Province, the article details the restriction of rural finance in Shaanxi province to support the rural areas. The financial market structure of economic development, the rural financial supply, the financial ecological environment, the rural credit cooperatives and other factors, and the analysis and induction that the relatively low income has led to the slow adjustment of the rural financial structure, the shortage of supply leads to the lack of impetus to the rural economy, and the urban and rural two yuan financial structure has caused the rural financial development to lag seriously. In the end, the article puts forward "optimizing the structure of the rural financial market, improving the effect of the financial service economy, improving the financial ecological environment, promoting the docking of financial support and economic development, focusing on the focus of financial support, adjusting and optimizing the rural industrial structure, and grasping the rural situation," in the end. The conclusion and suggestions of five rural financial support for rural economic development, such as strengthening policy oriented financial support for agriculture, supporting agricultural talents education, enriching rural human resources and so on.

【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.35;F327

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本文編號(hào)：1874008