發(fā)布時(shí)間：2018-07-03 02:11

  本文選題：農(nóng)村經(jīng)濟(jì) + 小額信貸　； 參考：《江西農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：江西是中部地區(qū)重要的農(nóng)業(yè)省份,農(nóng)業(yè)在經(jīng)濟(jì)發(fā)展中占據(jù)重要的地位,因此“三農(nóng)”的發(fā)展對于江西省經(jīng)濟(jì)社會進(jìn)步來說意義重大,然而“三農(nóng)”問題也是江西省經(jīng)濟(jì)建設(shè)中較為薄弱的環(huán)節(jié)。江西省十三五發(fā)展規(guī)劃綱要中提出經(jīng)濟(jì)社會發(fā)展要“科學(xué)崛起、綠色發(fā)展、進(jìn)位趕超”,“三農(nóng)”問題的解決對江西省新農(nóng)村建設(shè)和全面建設(shè)小康社會意義重大。農(nóng)村農(nóng)業(yè)經(jīng)濟(jì)的發(fā)展根本目的是推進(jìn)農(nóng)村居民增收,當(dāng)前“三農(nóng)”問題的突出矛盾體現(xiàn)在農(nóng)村金融需求與供給的嚴(yán)重不平衡,這對農(nóng)村經(jīng)濟(jì)建設(shè)帶來很大阻礙,特別是農(nóng)業(yè)生產(chǎn)、貿(mào)易、流通等資金短缺造成的生產(chǎn)力束縛。農(nóng)村經(jīng)濟(jì)的健康有序發(fā)展,離不開金融支持,需要?jiǎng)?chuàng)新金融體系服務(wù)農(nóng)業(yè)經(jīng)濟(jì)的各個(gè)方面。農(nóng)村小額信貸是服務(wù)農(nóng)業(yè),發(fā)展農(nóng)業(yè)的重要金融扶持政策,本文以綜合運(yùn)用定性、定量方法對江西省贛州市農(nóng)村小額信貸發(fā)展現(xiàn)狀、問題及原因進(jìn)行研究分析,進(jìn)而為其有效服務(wù)農(nóng)村經(jīng)濟(jì)提供參考。首先,本文對選題背景、研究問題及農(nóng)村小額信貸的相關(guān)理論進(jìn)行分析,奠定本文研究的實(shí)踐與理論背景。其次,針對江西省贛州市農(nóng)村小額信貸需求與供應(yīng)矛盾,運(yùn)行模式等現(xiàn)狀進(jìn)行分析,從中解析出當(dāng)前農(nóng)村小額信貸供給能力不足、農(nóng)村資金外流和農(nóng)業(yè)保險(xiǎn)發(fā)展遲滯等問題,并結(jié)合江西省贛州市農(nóng)村經(jīng)濟(jì)發(fā)展情況、金融機(jī)構(gòu)資金配置現(xiàn)狀指出其小額信貸發(fā)展受到了農(nóng)村經(jīng)濟(jì)自然特點(diǎn)、當(dāng)前農(nóng)村金融體制與農(nóng)村金融生態(tài)環(huán)境等約束。再者,結(jié)合江西省贛州市農(nóng)村小額信貸運(yùn)行狀況,綜合分析其業(yè)務(wù)發(fā)展的風(fēng)險(xiǎn)因素,并借助二元logit模型對風(fēng)險(xiǎn)影響因素進(jìn)行實(shí)際數(shù)據(jù)的計(jì)算驗(yàn)證。最后,結(jié)合江西省贛州市農(nóng)村小額信貸困境、風(fēng)險(xiǎn)影響因素等分析,提出了創(chuàng)新農(nóng)村金融支持形式、健全農(nóng)村金融體制,完善風(fēng)控機(jī)制和保險(xiǎn)體系、創(chuàng)新和發(fā)展金融擔(dān)保體系等對策建議,以期能夠?yàn)榻魇≮M州市強(qiáng)化農(nóng)村金融扶持,推進(jìn)農(nóng)業(yè)經(jīng)濟(jì)發(fā)展提供政策依據(jù)。
[Abstract]:Jiangxi is an important agricultural province in the central region, and agriculture plays an important role in economic development. Therefore, the development of "agriculture, rural areas and farmers" is of great significance to the economic and social progress of Jiangxi Province. However, the issue of agriculture, rural areas and farmers is also a relatively weak link in the economic construction of Jiangxi Province. In the outline of the 13th Five-Year Development Plan of Jiangxi Province, it is pointed out that the economic and social development should be "scientific rise, green development, carry overtaking", and the solution of the "three rural issues" is of great significance to the construction of the new countryside and the overall construction of a well-off society in Jiangxi Province. The fundamental purpose of the development of rural agricultural economy is to promote the increase of income of rural residents. At present, the prominent contradiction of the "three rural issues" is reflected in the serious imbalance between rural financial demand and supply, which brings great obstacles to the construction of rural economy. In particular, agricultural production, trade, circulation and other capital shortage caused by the constraints of productivity. The healthy and orderly development of rural economy can not be separated from financial support. It is necessary to innovate the financial system to serve all aspects of agricultural economy. Rural microfinance is an important financial support policy for serving agriculture and developing agriculture. This paper studies and analyzes the present situation, problems and causes of rural microfinance development in Ganzhou City, Jiangxi Province by comprehensive use of qualitative and quantitative methods. And then provide reference for its effective service rural economy. First of all, this paper analyzes the background, research problems and related theories of rural microfinance, and establishes the practical and theoretical background of this paper. Secondly, based on the analysis of the contradiction between the demand and supply of rural microfinance in Ganzhou, Jiangxi Province, and the operating mode, the problems such as insufficient supply capacity of rural microfinance, the outflow of rural funds and the slow development of agricultural insurance are analyzed. Combined with the development of rural economy in Ganzhou City, Jiangxi Province, the present situation of fund allocation of financial institutions points out that the development of microfinance is restricted by the natural characteristics of rural economy, the current rural financial system and the rural financial ecological environment. Furthermore, combined with the running situation of rural micro-credit in Ganzhou, Jiangxi Province, the risk factors of its business development are comprehensively analyzed, and the actual data of risk factors are verified by using the binary logit model. Finally, based on the analysis of rural microfinance dilemma and risk factors in Ganzhou City, Jiangxi Province, this paper proposes to innovate the rural financial support form, perfect the rural financial system, perfect the wind control mechanism and insurance system. The countermeasures and suggestions of innovating and developing financial guarantee system can provide policy basis for strengthening rural financial support and promoting the development of agricultural economy in Ganzhou City Jiangxi Province.
【學(xué)位授予單位】：江西農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 黎飛;蔡啟劍;;探索贛州農(nóng)村房屋抵押擔(dān)保貸款試點(diǎn)研究[J];中國集體經(jīng)濟(jì);2016年19期

2 魏楷;;農(nóng)村小額信用貸款制度的完善對農(nóng)村經(jīng)濟(jì)發(fā)展的影響[J];農(nóng)村經(jīng)濟(jì)與科技;2016年10期

3 鄒靖林;;農(nóng)村小額信貸發(fā)展問題與對策[J];商;2016年08期

4 郭恒;;農(nóng)村小額信貸信用風(fēng)險(xiǎn)管理中的博弈分析[J];科技創(chuàng)業(yè)月刊;2015年21期

5 胡毅;王玨;楊曉光;;基于面板Logit模型的銀行客戶貸款違約風(fēng)險(xiǎn)預(yù)警研究[J];系統(tǒng)工程理論與實(shí)踐;2015年07期

6 謝敬;;農(nóng)地“兩權(quán)”抵押貸款創(chuàng)新的實(shí)踐探索與路徑突破——以江西省贛州市為例[J];海南金融;2015年07期

7 謝敬;;農(nóng)村金融產(chǎn)品創(chuàng)新現(xiàn)狀及建議[J];金融電子化;2015年04期

8 劉玉春;修長柏;;中國農(nóng)村金融發(fā)展與經(jīng)濟(jì)增長關(guān)系的實(shí)證分析[J];商業(yè)時(shí)代;2014年36期

9 孔哲禮;李興中;;農(nóng)戶小額信貸與農(nóng)村金融機(jī)構(gòu)可持續(xù)發(fā)展關(guān)系研究[J];經(jīng)濟(jì)問題;2014年12期

10 周珍曉;;淺析商業(yè)銀行小微貸款業(yè)務(wù)存在的問題及對策——以南昌銀行贛州支行為例[J];老區(qū)建設(shè);2014年20期

相關(guān)碩士學(xué)位論文 前5條

1 楊揚(yáng);我國農(nóng)村商業(yè)銀行小額信貸信用風(fēng)險(xiǎn)研究[D];云南財(cái)經(jīng)大學(xué);2016年

2 朱瑩;不同類型農(nóng)戶小額信貸信用風(fēng)險(xiǎn)影響因素差異研究[D];西北農(nóng)林科技大學(xué);2015年

3 王勇;商業(yè)銀行農(nóng)村小額信貸信用風(fēng)險(xiǎn)研究[D];山東大學(xué);2013年

4 何弟;我國城市商業(yè)銀行小額貸款信用風(fēng)險(xiǎn)影響因素分析[D];西南財(cái)經(jīng)大學(xué);2013年

5 胡雪梅;聯(lián)保模式下的農(nóng)村小額貸款信用風(fēng)險(xiǎn)評價(jià)體系研究[D];西南財(cái)經(jīng)大學(xué);2012年

，

本文編號：2091920