【摘要】：本文是通過(guò)對(duì)國(guó)內(nèi)外研究基本理論的學(xué)習(xí),在了解中國(guó)農(nóng)村金融發(fā)展現(xiàn)狀,農(nóng)村經(jīng)濟(jì)以及農(nóng)村的金融系統(tǒng)在歷史的發(fā)展中的演變過(guò)程的基礎(chǔ)上,對(duì)內(nèi)蒙古自治區(qū)農(nóng)村經(jīng)濟(jì)發(fā)展現(xiàn)狀和農(nóng)戶(hù)在信用貸款的需求及農(nóng)村在信用貸款的供求方面進(jìn)行了調(diào)查和分析。多年以來(lái),農(nóng)業(yè)在國(guó)家經(jīng)濟(jì)之發(fā)展中具有了舉足輕重的作用,但是農(nóng)村經(jīng)濟(jì)的不足之處也越來(lái)越明顯。在進(jìn)入21世紀(jì)之后,特別是我國(guó)在加入世界貿(mào)易組織(WTO)之后,農(nóng)業(yè)經(jīng)濟(jì)和新農(nóng)村的建設(shè)發(fā)展也進(jìn)入了一個(gè)新的發(fā)展階段,進(jìn)入了一個(gè)傳統(tǒng)農(nóng)業(yè)面臨著挑戰(zhàn)的時(shí)代,不管是農(nóng)村經(jīng)濟(jì)增長(zhǎng),或是在提高農(nóng)民的收入方面都成為國(guó)民經(jīng)濟(jì)中空前所有的的棘手問(wèn)題,國(guó)民經(jīng)濟(jì)結(jié)構(gòu)中農(nóng)村部分該如何調(diào)整,農(nóng)村的剩余人力的如何得到高效率的轉(zhuǎn)移,如何進(jìn)一步降低減輕農(nóng)民的負(fù)擔(dān),例如財(cái)政稅收等方面的措施,農(nóng)村經(jīng)濟(jì)發(fā)展中農(nóng)民的收入問(wèn)題目前是中國(guó)經(jīng)濟(jì)的發(fā)展過(guò)程中面臨的主要問(wèn)題。二元金融結(jié)構(gòu)下,農(nóng)村資本的流動(dòng)在農(nóng)村經(jīng)濟(jì)的發(fā)展中也起到了非常重要的作用。農(nóng)村地區(qū)的融資貸款的渠道仍然比較單一,但農(nóng)村信貸的商業(yè)化趨勢(shì)也日漸明顯,目前農(nóng)村金融不能負(fù)擔(dān)農(nóng)村經(jīng)濟(jì)發(fā)展和農(nóng)業(yè)產(chǎn)業(yè)結(jié)構(gòu)變形的重要責(zé)任。農(nóng)村經(jīng)濟(jì)的發(fā)展必然離不開(kāi)農(nóng)村經(jīng)濟(jì)金融方面的協(xié)助。另一方面,國(guó)家三農(nóng)的問(wèn)題仍然非常嚴(yán)重,而且農(nóng)村經(jīng)濟(jì)的發(fā)展仍然比較遲緩,其中的原因有很多方面,其中最主要的原因就是農(nóng)村的信貸融資問(wèn)題還沒(méi)有得到最好的妥善緩解辦法。特別是最近在農(nóng)村融資資本市場(chǎng)的供求矛盾越演越烈,資金不足等問(wèn)題的限制了農(nóng)村經(jīng)濟(jì)的進(jìn)步。由于農(nóng)村經(jīng)濟(jì)發(fā)展和農(nóng)村信貸融資的相關(guān)性以及重要性。農(nóng)村經(jīng)濟(jì)的發(fā)展,農(nóng)民的融資信貸需要就有必要得到滿(mǎn)足,本文寫(xiě)作的目的在于依據(jù)相關(guān)理論基礎(chǔ)對(duì)農(nóng)村經(jīng)濟(jì)發(fā)展現(xiàn)狀、內(nèi)蒙古自治區(qū)農(nóng)村金融發(fā)展現(xiàn)狀、以及調(diào)研地即呼和浩特市周邊農(nóng)戶(hù)信貸需求的分析研究,并且在當(dāng)?shù)氐恼{(diào)查研究之后總結(jié)發(fā)現(xiàn)一系列的農(nóng)村融資信貸問(wèn)題,也對(duì)相應(yīng)的問(wèn)題提出了合理的矛盾弱化建議以及解決對(duì)策。
[Abstract]:Through studying the basic theories at home and abroad, this paper is on the basis of understanding the present situation of China's rural financial development, the rural economy and the evolution of the rural financial system in the history of the development of the process, The present situation of rural economic development in Inner Mongolia Autonomous region and the demand of farmers in credit loans and the supply and demand of credit loans in rural areas were investigated and analyzed. For many years, agriculture plays an important role in the development of national economy, but the deficiency of rural economy is more and more obvious. After entering the 21st century, especially after China's accession to the World Trade Organization (WTO), the agricultural economy and the construction and development of the new countryside have entered a new stage of development and entered an era in which traditional agriculture is facing challenges. Whether it is the growth of the rural economy or the improvement of the peasants' income, it has become an unprecedented thorny issue in the national economy, how to adjust the rural part of the national economic structure, and how to transfer the surplus manpower in the rural areas to a high efficiency. How to further reduce the burden of farmers, such as fiscal and tax measures, the income of farmers in rural economic development is currently the main problem in the process of China's economic development. Under the dual financial structure, the flow of rural capital also plays a very important role in the development of rural economy. The channel of financing loan in rural area is still relatively simple, but the commercialization trend of rural credit is becoming more and more obvious. At present, rural finance can not afford the important responsibility of rural economic development and agricultural industrial structure transformation. The development of rural economy is bound to depend on the assistance of rural economy and finance. On the other hand, the problem of agriculture, rural areas and farmers in the country is still very serious, and the development of the rural economy is still relatively slow, for many reasons. The main reason is that rural credit financing has not been the best way to alleviate the problem. Especially, the contradiction between supply and demand in the rural financing capital market has become more and more serious recently, and the shortage of funds has restricted the progress of rural economy. Due to the relevance and importance of rural economic development and rural credit financing. With the development of rural economy, it is necessary to satisfy the financing and credit needs of farmers. The purpose of this paper is to analyze the current situation of rural economic development and the present situation of rural financial development in Inner Mongolia Autonomous region according to the relevant theoretical basis. And the analysis and research of the rural households' credit demand around Hohhot City, and after the local investigation and research, summed up and found a series of rural financing credit problems. At the same time, the paper also puts forward some reasonable suggestions of contradiction weakening and solutions to the corresponding problems.
【學(xué)位授予單位】：內(nèi)蒙古農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.43

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相關(guān)期刊論文 前1條

1 焦瑾璞;;探索發(fā)展小額信貸的有效模式[J];中國(guó)金融;2007年02期

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本文編號(hào)：2469164