本文選題：信用社 + 支農(nóng)業(yè)務��； 參考：《內(nèi)蒙古財經(jīng)大學》2017年碩士論文

【摘要】：近年來,我國堅持把解決好“三農(nóng)”問題作為全黨工作的重中之重,不斷完善強農(nóng)、惠農(nóng)、富農(nóng)政策體系。黨的十八大強調(diào)堅持和完善農(nóng)村基本經(jīng)營制度,十八屆三中全會進一步強調(diào)健全城鄉(xiāng)發(fā)展一體化體制機制。金融是國家宏觀經(jīng)濟調(diào)控的重要政策工具之一,農(nóng)信社作為農(nóng)村金融市場的主力軍,在指導與監(jiān)督社區(qū)經(jīng)濟發(fā)展、促進成員經(jīng)濟和社區(qū)社會進步、促進城鄉(xiāng)中小企業(yè)發(fā)展等方面發(fā)揮著日益重要的作用。黑龍江省HS市是全省重要的農(nóng)業(yè)城市和全國重要的商品糧基地、農(nóng)牧產(chǎn)品基地和綠色食品基地,需要進一步加強其農(nóng)信社信貸支農(nóng)業(yè)務管理水平,為HS市發(fā)展地域經(jīng)濟、優(yōu)化產(chǎn)業(yè)結(jié)構(gòu)、向農(nóng)業(yè)現(xiàn)代化、信息化發(fā)展提供金融支持。從農(nóng)信社信貸支農(nóng)業(yè)務管理基礎(chǔ)理論入手,界定了農(nóng)村信用社、農(nóng)信社信貸支農(nóng)業(yè)務的含義,以及金融抑制理論、金融創(chuàng)新理論和農(nóng)村金融理論等農(nóng)信社信貸支農(nóng)業(yè)務管理的理論基礎(chǔ);運用文獻研究法和比較分析法等研究方法,闡述HS市農(nóng)信社的總體經(jīng)營、支農(nóng)產(chǎn)品、支農(nóng)創(chuàng)新和信貸服務現(xiàn)狀,揭示存在的信貸支農(nóng)規(guī)模較小、信貸支農(nóng)結(jié)構(gòu)不佳、信貸支農(nóng)產(chǎn)品較少、信貸支農(nóng)效益較低和信貸風險監(jiān)管弱化等問題,以及政府扶持資金有限、法律制度制約不力、人員素質(zhì)有待提高、內(nèi)部管理機制缺失和信貸風險意識不強等原因;在借鑒國內(nèi)外金融機構(gòu)支農(nóng)業(yè)務管理經(jīng)驗的基礎(chǔ)上,得出優(yōu)化金融產(chǎn)品與服務供需結(jié)構(gòu)、化立體化信用管理體系建設(shè)、擴大金融服務覆蓋最大化效應和個性化服務對接不同客戶需求等對HS市農(nóng)信社信貸支農(nóng)業(yè)務管理的啟示;針對HS市農(nóng)信社信貸支農(nóng)業(yè)務管理的問題和成因提出堅持農(nóng)村金融理念、創(chuàng)新信貸支農(nóng)模式、優(yōu)化信貸支農(nóng)結(jié)構(gòu)、加強金融風險監(jiān)管和完善運營管理機制等對策,旨在提高支農(nóng)業(yè)務管理水平。
[Abstract]:In recent years, our country insists on solving the "three rural issues" as the top priority of the whole party's work, and constantly consummates the policy system of strengthening agriculture, benefiting farmers and enriching peasants. The 18th National Congress of the Party emphasized upholding and perfecting the basic rural management system, and the third Plenary session of the 18th CPC Central Committee further emphasized the improvement of the integrated system mechanism of urban and rural development. Finance is one of the important policy tools of national macroeconomic regulation and control. As the main force of rural financial market, rural credit cooperatives (RCCs) are guiding and supervising the development of community economy and promoting the economic and social progress of their members. Promoting the development of small and medium-sized enterprises in urban and rural areas is playing an increasingly important role. As an important agricultural city in Heilongjiang Province and an important commodity grain base in the whole country, agricultural and animal husbandry products base and green food base, it is necessary to further strengthen the management level of agricultural credit support business of agricultural credit cooperatives in order to develop regional economy for HS city. Optimize industrial structure and provide financial support to agricultural modernization and informatization development. Starting with the basic theory of the management of the credit supporting agriculture business of the rural credit cooperatives, this paper defines the meaning of the rural credit cooperatives and the credit support business of the rural credit cooperatives, as well as the theory of financial suppression. Financial innovation theory and rural finance theory are the theoretical basis for the management of credit support business in rural credit cooperatives, and the general management and agricultural products of HS are expounded by the methods of literature research and comparative analysis. The present situation of supporting agriculture innovation and credit service reveals that the scale of credit supporting agriculture is relatively small, the structure of credit supporting agriculture is not good, the products of credit supporting agriculture are less, the benefit of credit supporting agriculture is low and the supervision of credit risk is weak, and the government supports funds are limited. On the basis of drawing lessons from the experience of domestic and foreign financial institutions in supporting agriculture business management, the legal system is weak, the quality of personnel needs to be improved, the internal management mechanism is lacking and the credit risk consciousness is not strong. The enlightenment of optimizing the supply and demand structure of financial products and services, building three-dimensional credit management system, maximizing the coverage of financial services and connecting different customer needs with individualized services, etc. Aiming at the problems and causes of the management of credit supporting agriculture business in HS, the paper puts forward some countermeasures, such as insisting on the rural finance idea, innovating the mode of credit supporting agriculture, optimizing the structure of credit supporting agriculture, strengthening the supervision of financial risk and perfecting the operation management mechanism, etc. In order to improve the level of management of agricultural support business.
【學位授予單位】：內(nèi)蒙古財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.43

【參考文獻】

相關(guān)期刊論文 前10條

1 董玄;周立;劉婧s，

本文編號：1938293