【摘要】：黑龍江省的農(nóng)村金融體系包括正規(guī)金融機(jī)構(gòu)和非正規(guī)金融機(jī)構(gòu)。然而，黑龍江省農(nóng)村正規(guī)金融機(jī)構(gòu)趨于商業(yè)化經(jīng)營，撤并了分布在廣大農(nóng)村地區(qū)的分支機(jī)構(gòu)，由于信息不對稱和缺少必要的抵押品，農(nóng)戶和農(nóng)村中小企業(yè)被遠(yuǎn)遠(yuǎn)排斥于農(nóng)村正規(guī)金融機(jī)構(gòu)供給之外，資金可獲得性低。農(nóng)村正規(guī)金融機(jī)構(gòu)無法滿足農(nóng)戶和農(nóng)村中小企業(yè)的正常資金需求，，這就為非正規(guī)金融機(jī)構(gòu)留下了很大的成長空間。非正規(guī)金融機(jī)構(gòu)得到發(fā)展并在廣大農(nóng)村地區(qū)十分活躍，正因?yàn)榉钦?guī)金融機(jī)構(gòu)的涌現(xiàn)并發(fā)揮著不可估量的作用，對農(nóng)村正規(guī)金融機(jī)構(gòu)的發(fā)展形成了一種倒逼現(xiàn)象，農(nóng)村正規(guī)金融機(jī)構(gòu)與非正規(guī)金融機(jī)構(gòu)形成了兩大競爭勢力。面臨黑龍江省農(nóng)村信貸供給不足的現(xiàn)象，亟待尋求一種新的農(nóng)村金融供給模式，以更好地促進(jìn)黑龍江省農(nóng)村經(jīng)濟(jì)的發(fā)展。 本文通過了對黑龍江省農(nóng)村正規(guī)金融機(jī)構(gòu)和非正規(guī)金融機(jī)構(gòu)的信貸供給現(xiàn)狀和未來發(fā)展趨勢進(jìn)行分析，提出要尋求一種新的農(nóng)村金融供給模式，來滿足多樣化的農(nóng)村金融需求。國內(nèi)外學(xué)者研究結(jié)果表明：垂直連接能夠擴(kuò)大農(nóng)村信貸供給。根據(jù)這一思路，我們分別從定性和定量實(shí)證兩個(gè)方面進(jìn)行分析。首先，通過對黑龍江省農(nóng)村正規(guī)金融機(jī)構(gòu)和非正規(guī)金融機(jī)構(gòu)的優(yōu)劣勢進(jìn)行了詳細(xì)的對比分析，兩者的農(nóng)村信貸存在著優(yōu)劣勢互補(bǔ)關(guān)系，將農(nóng)村正規(guī)金融機(jī)構(gòu)和非正規(guī)金融機(jī)構(gòu)的農(nóng)村信貸垂直連接起來，強(qiáng)強(qiáng)聯(lián)合，作為增加農(nóng)村金融供給的一個(gè)途徑，來調(diào)和供需矛盾。然后，通過定量分析，利用Eviews軟件對黑龍江省農(nóng)村正規(guī)金融機(jī)構(gòu)和非正規(guī)金融機(jī)構(gòu)的農(nóng)村信貸供給進(jìn)行回歸分析，并加入了對比參考變量，證實(shí)農(nóng)村正規(guī)金融機(jī)構(gòu)和非正規(guī)金融機(jī)構(gòu)的農(nóng)村信貸供給不是此消彼長的，而是協(xié)調(diào)發(fā)展的關(guān)系，正規(guī)金融機(jī)構(gòu)能夠帶動(dòng)非正規(guī)金融機(jī)構(gòu)的農(nóng)村信貸供給，而且效用明顯大于對比變量，將兩者垂直連接起來，優(yōu)勢互補(bǔ)，可以作為增加黑龍江省農(nóng)村信貸供給的一個(gè)途徑。 黑龍江省農(nóng)村金融可以通過垂直連接合作模式，來擴(kuò)大黑龍江省農(nóng)村信貸供給。結(jié)合黑龍江省農(nóng)村金融的實(shí)際情況，在此，提出三種具體的連接模式，具體分析了如何連接，并進(jìn)行了經(jīng)驗(yàn)分析。最后，為了更好地促進(jìn)垂直連接，分別從政府層面和金融機(jī)構(gòu)層面提出幾點(diǎn)對策。
[Abstract]:Heilongjiang Province's rural financial system includes formal financial institutions and informal financial institutions. However, formal rural financial institutions in Heilongjiang Province tend to be commercialized, disintegrating branches distributed in vast rural areas, due to asymmetric information and lack of necessary collateral. Farmers and small-and medium-sized enterprises in rural areas are excluded from the supply of rural formal financial institutions, and the availability of funds is low. Rural formal financial institutions can not meet the normal capital needs of farmers and rural small and medium-sized enterprises, which leaves a great room for informal financial institutions to grow. Informal financial institutions have been developed and are very active in the vast rural areas. It is precisely because of the emergence of informal financial institutions and plays an inestimable role, the development of formal financial institutions in rural areas has formed a kind of reverse pressure phenomenon. Rural formal financial institutions and informal financial institutions formed two major competitive forces. Facing the phenomenon of insufficient supply of rural credit in Heilongjiang Province, it is urgent to seek a new mode of rural financial supply in order to better promote the development of rural economy in Heilongjiang Province. Based on the analysis of the present situation and future development trend of the credit supply of the rural formal and informal financial institutions in Heilongjiang Province, this paper proposes to seek a new mode of rural financial supply to meet the diversified rural financial demand. The research results of scholars at home and abroad show that vertical connection can expand the supply of rural credit. According to this train of thought, we analyze from two aspects: qualitative and quantitative. First of all, through the comparative analysis of the advantages and disadvantages of rural formal financial institutions and informal financial institutions in Heilongjiang Province, the advantages and disadvantages of the two rural credit institutions are complementary. The rural credit of the rural formal financial institutions and the informal financial institutions is connected vertically and the strong and strong are combined as a way to increase the supply of rural finance to reconcile the contradiction between supply and demand. Then, through quantitative analysis, using Eviews software to analyze the rural credit supply of rural formal financial institutions and informal financial institutions in Heilongjiang Province, and add the comparative reference variables. It is proved that the rural credit supply of rural formal financial institutions and informal financial institutions is not the same, but the relationship of coordinated development. Formal financial institutions can drive the supply of rural credit to informal financial institutions. Moreover, the utility is obviously greater than the contrast variable, the two can be connected vertically, and their advantages complement each other, which can be used as a way to increase the supply of rural credit in Heilongjiang Province. The rural finance of Heilongjiang Province can expand the supply of rural credit in Heilongjiang province through the cooperation mode of vertical connection. Combined with the actual situation of rural finance in Heilongjiang Province, three concrete connection modes are put forward, and how to connect is analyzed in detail, and the empirical analysis is carried out. Finally, in order to promote the vertical connection better, several countermeasures are put forward from the government level and the financial institution level respectively.
【學(xué)位授予單位】：哈爾濱理工大學(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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