我国农村融资现状及风险管理研究

发布时间：2018-02-23 01:51

本文关键词： 农村融资农户融资困境农村金融机构风险管理　出处：《中南林业科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国是一个城乡经济结构二元化非常明显的国家,很多农村的经济发展水平还比较低,农户大多还是进行一家一户的分散的小规模经营,农户融资具有频率额度小、风险和交易成本高、管理难度大等特点,这导致农村金融机构对服务农村经济退避三舍,农村金融资本的供给无法满足和适应农村经济发展的需要,农户很难获得农村金融机构的资金支持,造成农户融资困难。农户融资困难成为是阻碍现代农业发展、制约农民收入提高、困扰农村经济发展的核心问题。通过对农户融资困境现状进行研究,缓解农户融资困难问题,成为实现农村经济持续增长、提高农户收入水平和农业现代化长期发展的宏伟大计,也是统筹城乡协调发展、缩小贫富差距和构建和谐社会的有效举措。研究农户融资困难问题,具有重要的现实和理论意义。从农村向正规的金融机构融资困难的表现以及向民间金融机构融资困难的表现两个方面深入研究农户融资困境的表现,并且从宏观视角对造成农户融资困难的农户自身原因进行深入探讨,以期对农户自身状况影响农村融资有一个更加全面的认识。通过探讨目前农村金融体系对农户融资所造成的影响并分析造成农村融资困难的金融环境因素。农村融资所面临的外部环境是实现农村融资的重要条件,从法律法规环境、政府政策环境、农业保险体系、农村信用体系及其他外部环境等方面分析农户融资面临的外部环境。为了实现农村顺利融资,更好地促进农户收入水平的提高,推进我国的农村经济,从农户自身原因、外部原因、金融原因等三个方面有针对性地提出化解农户融资困难的对策建议。
[Abstract]:China is a country with a very obvious dual economic structure between urban and rural areas, and the level of economic development in many rural areas is still relatively low. Most of the peasant households are still engaged in scattered small-scale operations of one household, and farmers' financing has a small amount of frequency. The characteristics of high risk and transaction cost, high management difficulty and so on, which lead to the rural financial institutions to retreat from the need to serve the rural economy, the supply of rural financial capital can not meet and adapt to the needs of rural economic development. It is very difficult for farmers to obtain financial support from rural financial institutions, which makes it difficult for them to raise funds, which hinders the development of modern agriculture and restricts the increase of farmers' income. Through the research on the current situation of farmers' financing difficulties, to alleviate the problem of farmers' financing difficulties, become the realization of sustained growth of rural economy. The grand plan to improve the income level of farmers and the long-term development of agricultural modernization is also an effective measure to coordinate the development of urban and rural areas, narrow the gap between rich and poor and build a harmonious society. It has important practical and theoretical significance. This paper studies the performance of farmers' financing difficulties from two aspects: the difficulty in financing from rural areas to formal financial institutions and the performance of financing difficulties in private financial institutions. And from the macroscopic angle of view, this paper probes into the reasons of farmers' financing difficulties in order to have a more comprehensive understanding of the impact of farmers' own conditions on rural financing. This paper discusses the influence of rural financial system on farmers' financing and analyzes the financial environment factors that cause rural financing difficulties. The external environment of rural financing is an important condition to realize rural financing. The government policy environment, agricultural insurance system, rural credit system and other external environment are analyzed. In order to promote the rural economy of our country, the countermeasures and suggestions are put forward from three aspects: the farmers' own reasons, the external reasons and the financial reasons.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.9;F832.4

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