發(fā)布時(shí)間：2018-06-04 00:44

  本文選題：農(nóng)業(yè)信貸 + 資金配置效率��； 參考：《新疆財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：“三農(nóng)”問(wèn)題自古以來(lái)都是關(guān)系到國(guó)計(jì)民生的大問(wèn)題，經(jīng)濟(jì)騰飛離不開(kāi)農(nóng)業(yè)發(fā)展。一直以來(lái)，我國(guó)都對(duì)農(nóng)業(yè)生產(chǎn)保證扶持，并且近年來(lái)已經(jīng)由只重視財(cái)政支持改變?yōu)榉鲜袌?chǎng)經(jīng)濟(jì)運(yùn)行要求的財(cái)政直接投資和金融信貸發(fā)放行為相結(jié)合�，F(xiàn)階段各城鎮(zhèn)鄉(xiāng)村正在建立多層次、廣覆蓋的農(nóng)村金融體系，大力發(fā)展農(nóng)村經(jīng)濟(jì)，以金融支撐發(fā)展，以信貸增強(qiáng)融資。但是農(nóng)村金融在支持農(nóng)業(yè)發(fā)展的過(guò)程中，依然存在很多問(wèn)題，譬如農(nóng)業(yè)資金存在外流狀況，并呈現(xiàn)愈演愈烈之勢(shì)，農(nóng)產(chǎn)品生產(chǎn)和產(chǎn)業(yè)擴(kuò)建貸款困難，農(nóng)民無(wú)法獲得相應(yīng)的金融資金信貸支撐。除此之外，我國(guó)農(nóng)業(yè)信貸資金配置也沒(méi)有收獲其應(yīng)達(dá)到的效果，不僅全國(guó)各行政區(qū)域內(nèi)農(nóng)業(yè)信貸配置不平衡，信貸資金配置效率也不高。 本論文在借鑒學(xué)者們研究成果的基礎(chǔ)上，論述了農(nóng)業(yè)信貸資金配置效率的理論框架，根據(jù)金融發(fā)展理論分析金融發(fā)展和經(jīng)濟(jì)增長(zhǎng)的關(guān)系，，在信貸資金配置的帕累托最優(yōu)理論等基礎(chǔ)上重點(diǎn)探索了新疆農(nóng)業(yè)信貸資金配置效率的內(nèi)涵，結(jié)構(gòu)，實(shí)現(xiàn)機(jī)理，通過(guò)金融作用于經(jīng)濟(jì)發(fā)展和社會(huì)生活的相關(guān)關(guān)系，建立了有關(guān)新疆農(nóng)業(yè)信貸配置效率的評(píng)價(jià)體系。 首先從金融體系信貸投入總量上闡述新疆農(nóng)業(yè)信貸資金配置的發(fā)展趨勢(shì)，再細(xì)化分析新疆農(nóng)村金融體系中各金融機(jī)構(gòu)在農(nóng)業(yè)信貸配置過(guò)程中的實(shí)際信貸行為，依次從農(nóng)信社、農(nóng)業(yè)銀行新疆分行、農(nóng)業(yè)發(fā)展銀行新疆分行、郵政儲(chǔ)蓄銀行到民間金融主體探討它們?cè)谛陆r(nóng)業(yè)信貸配置中的地位和作用。根據(jù)理論建立農(nóng)業(yè)信貸資金配置效率研究的相關(guān)模型，運(yùn)用計(jì)量經(jīng)濟(jì)方法，利用時(shí)間序列模型驗(yàn)證新疆農(nóng)業(yè)信貸配置和新疆農(nóng)業(yè)經(jīng)濟(jì)發(fā)展是否存在因果關(guān)系，再運(yùn)用數(shù)據(jù)包絡(luò)分析考察新疆農(nóng)業(yè)信貸配置對(duì)農(nóng)村經(jīng)濟(jì)、社會(huì)，居民生活水平發(fā)展產(chǎn)生的實(shí)際效益。通過(guò)實(shí)證得到結(jié)論為新疆農(nóng)業(yè)信貸配置對(duì)農(nóng)業(yè)經(jīng)濟(jì)增長(zhǎng)并沒(méi)有起到應(yīng)有的促進(jìn)作用，由于存在規(guī)模效率不足，甚至對(duì)農(nóng)村經(jīng)濟(jì)發(fā)展造成困擾。其后對(duì)新疆農(nóng)業(yè)信貸資金配置現(xiàn)狀和實(shí)證中得出的結(jié)論進(jìn)行深入探索，從借貸雙方和市場(chǎng)運(yùn)行方面分析低效率的形成原因。最后為了實(shí)現(xiàn)提高新疆信貸資金配置效率的目標(biāo)，提出建設(shè)性的對(duì)策。
[Abstract]:Since ancient times, the issue of agriculture, rural areas and farmers has been a major problem related to the national economy and the people's livelihood, and economic development is inseparable from the development of agriculture. In recent years, our country has changed from only paying attention to financial support to the combination of financial direct investment and financial credit issuance, which meets the requirements of market economy. At the present stage, various towns and villages are establishing a multi-level and extensive rural financial system, vigorously developing rural economy, supporting development with finance, and strengthening financing by credit. However, in the process of supporting the development of agriculture, there are still many problems in rural finance. For example, there is an outflow of agricultural funds, which is becoming more and more serious, and it is difficult to extend loans for agricultural products and industries. Farmers can not get the corresponding financial funds and credit support. In addition, the allocation of agricultural credit funds in China has not achieved the desired results, not only the allocation of agricultural credit in various administrative regions of the country is unbalanced, but also the efficiency of the allocation of credit funds is not high. Based on the research results of scholars, this paper discusses the theoretical framework of the allocation efficiency of agricultural credit funds, and analyzes the relationship between financial development and economic growth according to the theory of financial development. Based on the Pareto optimal theory of the allocation of credit funds, this paper probes into the connotation, structure and realization mechanism of the efficiency of the allocation of agricultural credit funds in Xinjiang, as well as the related relations between economic development and social life through the role of finance. The evaluation system of agricultural credit allocation efficiency in Xinjiang is established. Firstly, the development trend of the allocation of agricultural credit funds in Xinjiang is expounded from the total amount of credit input in the financial system, and then the actual credit behavior of various financial institutions in the rural financial system of Xinjiang in the process of agricultural credit allocation is analyzed, followed by the rural credit cooperatives. The agricultural bank Xinjiang branch, the agricultural development bank Xinjiang branch, the postal savings bank to the folk finance main body discusses their position and the function in the Xinjiang agricultural credit allocation. Based on the theory, this paper establishes the relevant models of the efficiency of agricultural credit allocation, uses the econometric method, and uses the time series model to verify whether there is a causal relationship between the agricultural credit allocation and the agricultural economic development in Xinjiang. Then using the data envelopment analysis to investigate the actual benefits of agricultural credit allocation to the development of rural economy, society and residents' living standard in Xinjiang. It is concluded that the allocation of agricultural credit in Xinjiang does not play a proper role in promoting agricultural economic growth, because of the inefficiency of scale, even the rural economic development is troubled. After that, the paper explores the present situation of agricultural credit fund allocation in Xinjiang and the conclusions drawn from the demonstration, and analyzes the reasons for the inefficiency from the aspects of both the loan and the market operation. Finally, in order to achieve the goal of improving the efficiency of credit allocation in Xinjiang, constructive countermeasures are put forward.
【學(xué)位授予單位】：新疆財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43

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