發(fā)布時間：2018-04-11 11:28

  本文選題：小額信貸 + 現(xiàn)代農(nóng)業(yè)示范園區(qū)�。� 參考：《西北農(nóng)林科技大學》2013年碩士論文

【摘要】：我國經(jīng)濟的持續(xù)快速發(fā)展有賴于農(nóng)村勞動力和資金的大力支持，但是隨之而來的是城鄉(xiāng)收入差距的急劇擴大，城鎮(zhèn)居民和農(nóng)村居民的可支配收入之比已經(jīng)超過3倍，高于國際最高水平。而我國農(nóng)村人口眾多，城鄉(xiāng)貧富差距的增大必然引發(fā)諸多的社會問題，因此國家對“三農(nóng)”益發(fā)重視，不斷出臺中央一號文件指導農(nóng)村經(jīng)濟發(fā)展，促進農(nóng)民增收。經(jīng)濟的發(fā)展離不開金融的支持，而農(nóng)村地區(qū)一直存在著嚴重的金融抑制，由此制約著農(nóng)村、農(nóng)民和農(nóng)業(yè)的可持續(xù)發(fā)展，故如何對農(nóng)村金融進行創(chuàng)新以解決資金難題是關鍵所在。小額信貸自興起發(fā)展至今，在一些國家和地區(qū)取得了巨大的成功，大量的研究也證明小額信貸具有促進農(nóng)村經(jīng)濟發(fā)展，實現(xiàn)扶貧目標的功能。我國小額信貸自引入發(fā)展至今，取得了一定的成效，但是也存在著不少問題。 楊凌位于陜西關中—天水經(jīng)濟區(qū)中心區(qū)位，作為國家唯一的農(nóng)業(yè)高新技術產(chǎn)業(yè)示范區(qū)，從成立伊始就承擔著國家賦予的特殊使命和任務。依托西北農(nóng)林科技大學的技術支持，按照“高產(chǎn)、優(yōu)質、高效、生態(tài)、安全”的要求，于2008年規(guī)劃建設了面積為100平方公里的楊凌現(xiàn)代農(nóng)業(yè)示范園區(qū)，欲形成農(nóng)業(yè)產(chǎn)業(yè)的規(guī)�；a(chǎn)，蔬菜大棚和林木果園的建設。而這些都需要農(nóng)戶具備一定的投資作基礎，這一問題的順利解決則在于對本區(qū)域農(nóng)戶的信貸支持以及投融資政策導向能否有效發(fā)揮作用。 因此，本文選取楊凌現(xiàn)代農(nóng)業(yè)示范園區(qū)的小額信貸業(yè)務作為研究對象，首先對小額信貸的相關理論進行了概述。農(nóng)村經(jīng)濟的發(fā)展受制于其自身的內(nèi)在缺陷和嚴重的金融抑制，文章從農(nóng)村金融理論的演變歷程入手，依次探討分析農(nóng)業(yè)信貸補貼理論、農(nóng)村金融市場理論和不完全競爭市場理論，進而剖析在這些理論的指導下，農(nóng)村金融實踐得到的經(jīng)驗和教訓，指出小額信貸的發(fā)展具有一定的理論基礎。與此同時對國際上較為成熟成功的小額信貸模式的運作和績效評價體系進行闡釋，以期為小額信貸的發(fā)展提供支持�；谛☆~信貸在國際上取得的成功，我國也引入了這一金融創(chuàng)新項目，，但其在國內(nèi)的發(fā)展和實踐具有一定的復雜性。第三章結合楊凌現(xiàn)代農(nóng)業(yè)示范園區(qū)的特點，從需求層面對園區(qū)的農(nóng)戶小額信貸狀況和實施成效進行了描述性分析。第四章從小額信貸的發(fā)展狀況、供給的必要性和供給效率等方面對小額信貸的供給狀況進行評析，較為全面的剖析了小額信貸存在的必然性及其面臨的優(yōu)勢、劣勢、機遇和挑戰(zhàn)等。第五章從小額信貸對園區(qū)農(nóng)戶收入的貢獻程度和影響力角度對小額信貸的實施成效進行了相關計量分析。第六章則根據(jù)本文的研究結論分別從小額信貸的供給和需求層面提出了相應的政策建議，力求為改善現(xiàn)代農(nóng)業(yè)示范園區(qū)的融資環(huán)境提供較為全面的參考。
[Abstract]:The sustained and rapid economic development of our country depends on the vigorous support of rural labor force and capital, but the income gap between urban and rural areas expands rapidly, and the ratio of disposable income between urban and rural residents has more than three times.Above the highest level in the world.But our country has a large rural population, the increase of the gap between urban and rural wealth will inevitably lead to many social problems, so the country pays more attention to the "three rural areas", constantly issued the first document of the Central Committee to guide the rural economic development, and promote the increase of farmers' income.The development of economy can not be separated from the support of finance, but there has been serious financial suppression in rural areas, which restricts the sustainable development of rural areas, farmers and agriculture. Therefore, how to innovate rural finance to solve the problem of capital is the key.Since its rise and development, microfinance has achieved great success in some countries and regions. A large number of studies have also proved that microfinance has the function of promoting the development of rural economy and achieving the goal of poverty alleviation.Since the introduction and development of microfinance in China, some achievements have been made, but there are still many problems.Yang Ling is located at the center of Guanzhong-Tianshui Economic Zone in Shaanxi Province. As the only demonstration area of agricultural high and new technology industry, Yang Ling has assumed the special mission and task entrusted by the state from the beginning of its establishment.To form the agricultural industry scale production, vegetable shed and forest orchard construction.All of these require farmers to have a certain investment as the basis, the smooth solution of this problem lies in the credit support of farmers in the region and whether the investment and financing policy guidance can play an effective role.Therefore, this article selects Yang Ling modern agriculture demonstration park microfinance business as the research object, first has carried on the summary to the microfinance correlation theory.The development of rural economy is subject to its inherent defects and serious financial repression. This paper begins with the evolution of rural financial theory and analyzes the theory of agricultural credit subsidy in turn.The theory of rural financial market and the theory of imperfect competition market are analyzed. Under the guidance of these theories, the experiences and lessons of rural financial practice are analyzed, and it is pointed out that the development of micro-credit has certain theoretical foundation.At the same time, it explains the operation and performance evaluation system of the mature and successful microcredit model in the world, in order to provide support for the development of microfinance.Based on the success of microfinance in the world, China has also introduced this financial innovation project, but its development and practice in China has some complexity.In the third chapter, according to the characteristics of Yang Ling modern agricultural demonstration park, the paper analyzes the farmers' micro-credit situation and the implementation effect from the demand level.Chapter four analyzes the supply of microfinance from the aspects of the development of microfinance, the necessity of supply and the efficiency of supply, and analyzes the inevitability of the existence of microfinance and its advantages and disadvantages.Opportunities and challenges, etc.The fifth chapter analyzes the effect of micro-credit from the angle of contribution and influence of micro-credit to farmers' income.The sixth chapter puts forward the corresponding policy suggestions from the supply and demand level of micro-credit according to the conclusion of this paper, and tries to provide a more comprehensive reference for improving the financing environment of the modern agricultural demonstration park.
【學位授予單位】：西北農(nóng)林科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4;F324

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