本文選題：農(nóng)村信貸 + 信貸擔(dān)保�。� 參考：《中南林業(yè)科技大學(xué)》2013年碩士論文

【摘要】：近年來,隨著我國農(nóng)村經(jīng)濟(jì)迅速發(fā)展,廣大農(nóng)村對(duì)資金需求日益增長(zhǎng),對(duì)金融服務(wù)的要求越來越高。我國經(jīng)濟(jì)改革和發(fā)展過程中,“三農(nóng)”問題是社會(huì)始終關(guān)注的大問題,建設(shè)社會(huì)主義新農(nóng)村和解決“三農(nóng)”問題離不開農(nóng)村金融的支持。金融信貸在加速農(nóng)村資金循環(huán)融通,促進(jìn)農(nóng)戶、農(nóng)村企業(yè)與金融機(jī)構(gòu)的良性互動(dòng),推動(dòng)農(nóng)村經(jīng)濟(jì)可持續(xù)發(fā)展方面均有非常重要的作用。經(jīng)過多年努力,我國已初步形成了農(nóng)村金融體系,但目前我國農(nóng)村金融信貸擔(dān)保體系仍不完善。由于農(nóng)村資金外流嚴(yán)重、信用環(huán)境弱化、信貸擔(dān)保物缺乏、農(nóng)業(yè)保險(xiǎn)發(fā)展滯后等諸多原因,農(nóng)村信貸擔(dān)保發(fā)展緩慢、甚至出現(xiàn)停滯狀態(tài)。農(nóng)村正規(guī)金融機(jī)構(gòu)無法滿足廣大農(nóng)村經(jīng)濟(jì)主體信貸需求,農(nóng)村信貸呈現(xiàn)供需現(xiàn)狀“有錢的貸不出,用錢的貸不到”的“兩難”困境,信貸困境成為了制約我國農(nóng)村經(jīng)濟(jì)穩(wěn)定快速發(fā)展和農(nóng)民增收的“瓶頸”。因此,如何引入適應(yīng)當(dāng)前農(nóng)村金融信貸現(xiàn)實(shí)的信貸擔(dān)保體系,對(duì)癥下藥的有效緩解農(nóng)戶與農(nóng)村中小企業(yè)的融資難的困境,以產(chǎn)生更好的經(jīng)濟(jì)、社會(huì)效益,成為一個(gè)亟待解決的重要課題。本文從總結(jié)我國農(nóng)村信貸供需現(xiàn)狀出發(fā),提煉了目前制約農(nóng)村信貸擔(dān)保發(fā)展的主要問題并針對(duì)性分析其有關(guān)政策、法律、經(jīng)濟(jì)等各方面原因,通過研究,結(jié)合國外農(nóng)村信貸擔(dān)保體制的經(jīng)驗(yàn),以我國農(nóng)村發(fā)展的自身特點(diǎn)為基礎(chǔ),就如何進(jìn)一步建立和完善農(nóng)村信貸擔(dān)保體系提出有關(guān)建議,最終實(shí)現(xiàn)一定程度上緩解農(nóng)戶和農(nóng)村中小企業(yè)融資難的問題。 本文首先系統(tǒng)的介紹信貸擔(dān)保相關(guān)理論,包括信貸擔(dān)保概念及擔(dān)保形式等,并針對(duì)農(nóng)村信貸擔(dān)保的功能及作用簡(jiǎn)要說明；接著文章從農(nóng)村信貸的供給組織和需求主體兩個(gè)方面發(fā)展現(xiàn)狀分析與評(píng)價(jià),并歸納出我國農(nóng)村信貸擔(dān)保發(fā)展中存在的主要問題；然后運(yùn)用比較分析法介紹了國外農(nóng)村信貸擔(dān)保實(shí)踐與先進(jìn)運(yùn)作經(jīng)驗(yàn),指出政府支持、健全法律法規(guī)、農(nóng)業(yè)保險(xiǎn)機(jī)制等是其成功的重要因素,總結(jié)出外國農(nóng)村信貸研究成果對(duì)我國農(nóng)村信貸擔(dān)保體系完善的啟示；最后重點(diǎn)采用實(shí)證研究法和綜合分析法,結(jié)合我國新農(nóng)村建設(shè)的特色背景提出適用于我國農(nóng)村信貸擔(dān)保體系構(gòu)建的改進(jìn)對(duì)策。本文的研究目的,就是在新農(nóng)村建設(shè)的大背景下,通過對(duì)目前我國農(nóng)村信貸擔(dān)保困境及成因的研究,借鑒國內(nèi)外先進(jìn)經(jīng)驗(yàn),提出適應(yīng)我國農(nóng)村社會(huì)經(jīng)濟(jì)特點(diǎn)的農(nóng)村信貸擔(dān)保建議。
[Abstract]:In recent years, with the rapid development of rural economy in China, the demand for capital is increasing day by day in the vast rural areas, and the demand for financial services is becoming higher and higher.In the process of economic reform and development of our country, the problem of "agriculture, countryside and farmers" is a big problem that the society has always paid attention to. The construction of new socialist countryside and the solution of the problem of "agriculture, countryside and farmers" can not be separated from the support of rural finance.Financial credit plays an important role in accelerating the circulation of rural funds, promoting the benign interaction between rural households, rural enterprises and financial institutions, and promoting the sustainable development of rural economy.After years of efforts, China has initially formed a rural financial system, but the current rural financial credit guarantee system is still imperfect.Due to the serious outflow of rural funds, the weakening of credit environment, the lack of credit collateral and the lag of agricultural insurance development, the development of rural credit guarantee is slow or even stagnant.The rural formal financial institutions can not meet the credit demand of the majority of rural economic subjects, and the present situation of supply and demand of rural credit is "money cannot be lent out, money cannot be lent" and "dilemma".Credit dilemma has become a bottleneck restricting the steady and rapid development of rural economy and increasing farmers' income.Therefore, how to introduce the credit guarantee system adapted to the current rural financial credit reality, and how to effectively alleviate the difficult financing difficulties of farmers and rural small and medium-sized enterprises, in order to produce better economic and social benefits,It has become an important subject to be solved urgently.This paper summarizes the current situation of rural credit supply and demand in China, abstracts the main problems that restrict the development of rural credit guarantee and analyzes the relevant policies, laws, economic reasons and so on.Based on the experience of foreign rural credit guarantee system and the characteristics of rural development in China, this paper puts forward some suggestions on how to further establish and perfect the rural credit guarantee system.Finally, to a certain extent to alleviate the farmers and rural small and medium-sized enterprises financing problems.Firstly, this paper systematically introduces the relevant theories of credit guarantee, including the concept and form of credit guarantee, and briefly explains the function and function of rural credit guarantee.Then the paper analyzes and evaluates the present situation of rural credit supply organization and demand main body, and sums up the main problems in the development of rural credit guarantee in our country.Then it introduces the foreign rural credit guarantee practice and advanced operation experience by means of comparative analysis, and points out that government support, perfect laws and regulations, agricultural insurance mechanism and so on are the important factors of its success.This paper summarizes the enlightenment of foreign rural credit research on the perfection of rural credit guarantee system in China. Finally, it focuses on empirical research and comprehensive analysis.Combining with the characteristic background of the new rural construction in our country, this paper puts forward the improvement countermeasures suitable for the construction of the rural credit guarantee system in our country.The purpose of this paper is to learn from the advanced experience at home and abroad by studying the predicament and causes of rural credit guarantee in China under the background of the construction of new countryside.This paper puts forward some suggestions of rural credit guarantee which can adapt to the social and economic characteristics of rural areas in China.
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.43

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本文編號(hào)：1765675