發(fā)布時間：2018-10-10 11:18

【摘要】：改革開放以來,我國經(jīng)濟(jì)迅猛發(fā)展,各行各業(yè)蓬勃發(fā)展,農(nóng)村社會經(jīng)濟(jì)也緊跟前進(jìn)的步伐穩(wěn)步向前,農(nóng)村經(jīng)濟(jì)由計劃經(jīng)濟(jì)向市場化發(fā)展,農(nóng)民生產(chǎn)生活較以前更豐富多彩,使得資金的支持對于農(nóng)業(yè)和農(nóng)民都異常重要,信貸資金運用到生活性消費、生產(chǎn)性消費和副生產(chǎn)消費中,老百姓對信貸資金的需求使得金融市場結(jié)構(gòu)和信貸規(guī)模受到很大影響,特別是對農(nóng)村金融市場的影響尤為突出,因此對于農(nóng)村經(jīng)濟(jì)的長期穩(wěn)定、持續(xù)發(fā)展也有深遠(yuǎn)影響。就目前農(nóng)村金融信貸市場而言,供需雙方并未完全匹配,不論是資金量還是信貸產(chǎn)品、服務(wù)方面。本文以新疆維吾爾自治區(qū)烏蘇市的農(nóng)業(yè)信貸供需狀況作為調(diào)查對象,通過調(diào)查農(nóng)民的家庭基本情況、信貸需求及現(xiàn)狀,還有相關(guān)金融機構(gòu)的統(tǒng)計數(shù)據(jù)及相關(guān)人員訪談,發(fā)現(xiàn)農(nóng)民的資金需求量大,使用范圍較傳統(tǒng)信貸范圍廣,而且還存在鄉(xiāng)鎮(zhèn)企業(yè)的信貸。金融信貸供給機構(gòu)在產(chǎn)品創(chuàng)新、因地制宜得服務(wù)農(nóng)民等方面也存在問題。為此提出一點建議,希望能在基礎(chǔ)層面對農(nóng)村信貸市場有所幫助。
[Abstract]:Since the reform and opening up, China's economy has developed rapidly, various industries have flourished, and the rural social economy has moved steadily forward with the pace of advancement. The rural economy has developed from a planned economy to a market-oriented economy, and the peasants' production and life are more colorful than before. This makes the support of funds extremely important for both agriculture and farmers. The use of credit funds in living consumption, productive consumption and sub-production consumption has greatly affected the structure of the financial market and the scale of credit, as a result of the people's demand for credit funds. Especially the impact on rural financial market is particularly prominent, so it has far-reaching influence on the long-term stability and sustainable development of rural economy. As far as the current rural financial credit market is concerned, the supply and demand are not exactly matched, regardless of the amount of funds, credit products and services. This paper takes the situation of agricultural credit supply and demand in Wusu, Xinjiang Uygur Autonomous region as the object of investigation. By investigating the basic situation of farmers' families, credit demand and present situation, as well as the statistical data of relevant financial institutions and relevant personnel interviews, It is found that farmers' capital demand is large, the scope of use is wider than that of traditional credit, and there is credit for township enterprises. Financial credit supply institutions also have problems in product innovation and local service to farmers. Some suggestions are put forward to help the rural credit market at the basic level.
【學(xué)位授予單位】：新疆農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.43

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本文編號：2261566