【摘要】：“三農(nóng)”問題多年以來一直備受各方關(guān)注,解決“三農(nóng)問題”的目標(biāo)就是實(shí)現(xiàn)農(nóng)業(yè)發(fā)展、農(nóng)村穩(wěn)定、農(nóng)民增收。農(nóng)戶資金的缺乏一直是制約農(nóng)村經(jīng)濟(jì)發(fā)展的重要問題。根據(jù)調(diào)查我們發(fā)現(xiàn)農(nóng)村融資渠道窄、農(nóng)戶融資難已經(jīng)成為制約農(nóng)業(yè)發(fā)展和農(nóng)民增收的主要因素。農(nóng)業(yè)因?yàn)槿鄙俚盅何锛由闲袠I(yè)風(fēng)險(xiǎn)極大,融資難矛盾突出。本文從農(nóng)業(yè)經(jīng)營主體的視角,分析農(nóng)地承包經(jīng)營權(quán)抵押的現(xiàn)實(shí)背景和主要障礙,提出促進(jìn)農(nóng)地承包經(jīng)營權(quán)抵押的配套措施和政策建議。從實(shí)踐意義看,從實(shí)際出發(fā)深入分析當(dāng)前土地承包經(jīng)營權(quán)流轉(zhuǎn)中存在的問題以及潛在性的風(fēng)險(xiǎn),并找出根源,規(guī)避風(fēng)險(xiǎn),提出有針對(duì)性的解決建議。以文山州為例,以農(nóng)村土地承包經(jīng)營權(quán)土地收益抵押融資拓寬了鄉(xiāng)村的籌措資金渠道,賦予鄉(xiāng)村土地資源活力,緩解農(nóng)民信用需求與供給的矛盾,降低了農(nóng)村地區(qū)融資成本。此外該融資模式在深化社會(huì)經(jīng)濟(jì)體制改革、促進(jìn)金融機(jī)構(gòu)創(chuàng)新和實(shí)現(xiàn)土地資源聯(lián)動(dòng)等方面都起到推動(dòng)作用。土地承包經(jīng)營權(quán)收益保證融資模式在文山州得到推廣,并且取得較好成果。那么該融資模式是否能夠在我國其他地區(qū)得以推廣,能否在以蔬菜、果木等其他農(nóng)作物種植為主的地區(qū)推廣是本篇論文討論的重點(diǎn)。本文的內(nèi)容主要包括四個(gè)部分五個(gè)章節(jié)。第一章為第一部分,對(duì)本文中的概念進(jìn)行界定并闡述理論基礎(chǔ)。第二章至第三章為第二部分,闡述文山州農(nóng)村土地承包經(jīng)營權(quán)流轉(zhuǎn)現(xiàn)狀,并對(duì)管理服務(wù)現(xiàn)狀進(jìn)行評(píng)價(jià)、分析,提出存在并需要解決的問題。第四章為第三部分,闡述其他省市農(nóng)村土地承包經(jīng)營權(quán)抵押發(fā)展模式及啟示。第五章為第四部分,針對(duì)文山州農(nóng)村土地承包經(jīng)營權(quán)抵押融資發(fā)展現(xiàn)狀和存在的各種問題,借鑒省外發(fā)展模式和經(jīng)驗(yàn),提出文山州農(nóng)村土地承包經(jīng)營權(quán)抵押融資和管理服務(wù)優(yōu)化措施建議,重點(diǎn)從融資流程的優(yōu)化和外部環(huán)境的優(yōu)化兩個(gè)大類舉措入手,提出推進(jìn)文山州農(nóng)村土地承包經(jīng)營權(quán)抵押的配套措施。
[Abstract]:The problem of "agriculture, countryside and farmers" has been concerned by all sides for many years. The goal of solving the problem is to realize agricultural development, rural stability and increase farmers' income. The lack of peasant household funds has been an important problem restricting the development of rural economy. According to the investigation, we find that the narrow channel of rural financing and the difficulty of farmers' financing have become the main factors restricting the development of agriculture and the increase of farmers' income. Agriculture because of the lack of collateral coupled with the industry's great risks, financing difficult to highlight the contradiction. From the angle of view of agricultural management subject, this paper analyzes the realistic background and main obstacles of farmland contractual management right mortgage, and puts forward some supporting measures and policy suggestions to promote farmland contract management right mortgage. From the point of view of practice, the problems and potential risks in the transfer of land contract management right are analyzed in depth, and the root cause is found, the risk is avoided, and the corresponding suggestions are put forward. Taking Wenshan Prefecture as an example, the land income mortgage financing of rural land contract management rights widens the financing channels of rural areas, endows rural land resources with vitality, alleviates the contradiction between farmers' credit demand and supply, and reduces the financing cost in rural areas. In addition, the financing mode plays an important role in deepening the reform of the social economic system, promoting the innovation of financial institutions and realizing the linkage of land resources. The income guarantee financing mode of land contract management right has been popularized in Wenshan Prefecture, and good results have been obtained. So whether the financing mode can be popularized in other regions of China, and whether it can be popularized in areas where vegetables, fruits and other crops are mainly planted is the focus of this paper. The content of this paper mainly includes four parts and five chapters. The first chapter is the first part, which defines the concepts in this paper and expounds the theoretical basis. Chapter two to chapter three is the second part, expounding the current situation of the transfer of rural land contractual management right in Wenshan state, evaluating and analyzing the current situation of management service, and putting forward the existing problems that need to be solved. The fourth chapter is the third part, expounding other provinces and cities rural land contract management right mortgage development model and enlightenment. The fifth chapter is the fourth part, aiming at the current situation and existing problems of the development of mortgage financing of the rural land contractual management right in Wenshan, the author draws lessons from the development mode and experience outside the province. The paper puts forward the measures to optimize the mortgage financing and management service of the rural land contractual management right in Wenshan Prefecture, focusing on the optimization of the financing process and the optimization of the external environment. Put forward to promote Wenshan rural land contractual management right mortgage supporting measures.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F321.1;F832.4

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