基于农户信贷需求的YN农村信用社服务体系构建研究

发布时间：2018-03-25 09:49

本文选题：农户　切入点：农村信用社　出处：《云南师范大学》2013年硕士论文

【摘要】：全面建设小康社会，实现共同富裕是党的“十六大”报告提出的奋斗目标，党的“十八大”报告进一步明确提出了两个“一百年”的奋斗目标，即在中国共产党成立100年时全面建成小康社会，在新中国成立100年时建成富强、民主、文明、和谐的社会主义现代化国家。实现国家富强、民族振兴、人民幸福的“中国梦”，最艰巨、最繁重的任务在农村，最根本的立足点在于农民，最根本的途径在于增加农民收入，发展“三农”经济。金融作为经济的重要组成部分，金融的发展速度、规模和运行效率决定了经济的发展速度、规模和运行效率。农村信用社作为农村经济的重要组成部分，在支持农村经济的发展中发挥着重要的重要的作用。然而，当前农村金融的现实状况是广大农户由于资金需求金额小和缺乏信贷抵押品，难以获得信用社的贷款，农村信用社供需总量失衡、结构错位。本文基于建设社会主义新农村的基本视角，为了促进深化农村金融体制改革、规范发展适合农村特点的金融组织和改善农村金融服务的目标，基于农户信贷需求特征对云南农村信用社服务体系构建进行研究，探索建立适应社会主义市场经济条件下的农村金融服务，并运用规范研究，理论与实践相结合的研究方法，系统分析了云南农户信贷资金需求的现状与特征，揭示了云南农村信用社供给瓶颈，寻求从根本上解决这些瓶颈的途径。本文在结构安排上包括六个章节：第一章，绪论，主要介绍研究的问题及背景、目标及思路、内容及结构、方法及资料；第二章，理论借鉴与概念框架，主要归纳金融组织理论和农村金融发展理论的基本内容，介绍农村信用社相关概念和目标；第三章，国内外金融服务对云南农村信用社服务体系构建启示；第四章，云南农户信贷需求分析，主要从理论和实证两方面分析了农户信贷需求的产生及其特征；第五章，云南农村信用社供给现状与瓶颈分析，主要运用统计分析方法分析了当前云南农村信用社的现状、问题及原因；第六章，研究结论及其展望，，对前文的分析和论述做出简要的总结，并针对如何构建云南农村信用社服务体系提出切实可行的政策建议。
[Abstract]:Building a well-off society in an all-round way and realizing common prosperity are the goals set forth in the report of the 16th National Congress of the Communist Party of China. The report of the 18th National Congress of the Communist Party of China has further clearly set forth two objectives for the struggle of "one hundred years". That is, to build a well-off society in an all-round way when the Communist Party of China was founded for 100 years, and to build a prosperous, strong, democratic, civilized and harmonious socialist modern country at the time of the founding of New China, so as to realize the prosperity and strength of the country and the rejuvenation of the nation. The most arduous and arduous task of the people's happy "Chinese Dream" lies in the countryside. The most fundamental foothold lies in the peasants, and the most fundamental way is to increase the peasants' income and develop the "three rural areas" economy. Finance is an important part of the economy. The speed, scale and efficiency of financial development determine the speed, scale and efficiency of economic development. Rural credit cooperatives as an important part of rural economy, It plays an important role in supporting the development of rural economy. However, the reality of rural finance at present is that it is difficult for farmers to obtain loans from credit cooperatives due to their small capital demand and lack of credit collateral. Rural credit cooperatives supply and demand imbalance, structural dislocation. Based on the basic perspective of building a new socialist countryside, this paper aims at promoting the deepening of the reform of the rural financial system, standardizing the development of financial organizations suitable for the characteristics of the rural areas, and improving the rural financial services. Based on the characteristics of farmers' credit demand, this paper studies the construction of service system of Yunnan Rural Credit Cooperatives, explores the establishment of rural financial services under the conditions of socialist market economy, and applies normative research, theoretical and practical research methods. This paper systematically analyzes the present situation and characteristics of the demand for credit funds of rural households in Yunnan, reveals the supply bottlenecks of Yunnan rural credit cooperatives, and seeks to find a way to solve these bottlenecks fundamentally. The first chapter, introduction, mainly introduces the research problems and background, objectives and ideas, content and structure, methods and materials; the second chapter, theoretical reference and conceptual framework, It mainly summarizes the basic contents of financial organization theory and rural financial development theory, introduces the related concepts and objectives of rural credit cooperatives; chapter three, the inspiration of domestic and foreign financial services to the construction of service system of Yunnan rural credit cooperatives; chapter four, The analysis of the credit demand of rural households in Yunnan, mainly from the theoretical and empirical analysis of the emergence and characteristics of farmers' credit demand. Chapter five, the supply of rural credit cooperatives in Yunnan Province and bottleneck analysis, This paper mainly analyzes the current situation, problems and reasons of Yunnan Rural Credit Cooperatives by means of statistical analysis. Chapter VI, the research conclusions and prospects, makes a brief summary of the previous analysis and discussion. And put forward practical policy suggestions on how to construct the service system of Yunnan Rural Credit Cooperative.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

【参考文献】