衡山县农村金融发展的问题与对策研究

发布时间：2018-04-11 10:30

本文选题：衡山县 + 农村金融　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：“三农”问题是在推动我国经济平衡发展和构建和谐社会的过程中遇到的一个难题。解决“三农“问题必须解决好农村地区经济发展的问题,而农村经济发展离不开农村金融的支持。衡山县作为一个典型的农业县,农村金融状况与全国平均水平相比,存在着一定的特殊性,仍然有许多不合理的农村金融体系,需要不断完善,才能更好的在经济发展中发挥促进的作用。本文在此背景下,利用国内和国外的理论,采用了文献法、比较分析法、案例法等研究方法,研究衡山县农村金融的整体现状,并对其进行分析,发现其存在的问题,包括农村资金快速流出农村,造成资金短缺；农户贷款的需求与银行的信贷管理体制不相适应；信贷投入少,难以满足县域经济资金需求；金融创新少,金融服务功能弱化；农业保险建设不完善；小额信贷风险大,银行惜贷严重；村镇银行的资金来源渠道狭窄。在借鉴美国的符合信用型模式,法国国家控制式金融模式,印度的政策性金融体系等一系列模式以及其他省份的发展经验的基础上,给予合理的政策建议,其中包含创新或改进监管方式,防止农村资金流出农村；准确定位县级农行,健全农村金融体系；搭建融资服务平台,拓展“三农”融资渠道；深入推进农村金融产品和农村金融服务的创新；深化农村信用社的改革；加快农业保险的立法工作,促进农业保险的推广,加强小额信贷管理,消除风险隐患；乡镇银行积极与金融同业加强合作,拓宽资金来源的措施,对促进衡山县农村金融的发展具有一定的参考价值。
[Abstract]:The problem of "agriculture, countryside and farmers" is a difficult problem in the process of promoting the balanced development of economy and constructing a harmonious society.To solve the "three rural" problems, we must solve the problem of economic development in rural areas, and rural economic development can not be separated from the support of rural finance.Hengshan County as a typical agricultural county, the rural financial situation compared with the national average, there are some particularities, there are still many unreasonable rural financial system, need to be constantly improved.In order to play a better role in promoting economic development.Under this background, using the domestic and foreign theories, using the literature method, comparative analysis method, case law and other research methods, this paper studies the overall situation of rural finance in Hengshan County, and analyzes it, finds out the existing problems.Including the rapid outflow of rural funds, resulting in a shortage of funds; farmers' loan needs and the bank's credit management system does not adapt; less credit investment, difficult to meet the needs of county economic funds; less financial innovation, weak financial service function;The construction of agricultural insurance is not perfect, the risk of microfinance is great, the bank is reluctant to lend, and the channel of capital source of village bank is narrow.On the basis of a series of models such as the United States' creditworthiness model, France's state-controlled financial model, India's policy-oriented financial system, and the development experience of other provinces, reasonable policy recommendations were given.It includes innovating or improving the supervision mode to prevent rural capital from flowing out of the countryside; accurately positioning the county-level agricultural bank and perfecting the rural financial system; setting up the financing service platform and expanding the financing channels of "three rural areas";Further promote the innovation of rural financial products and rural financial services, deepen the reform of rural credit cooperatives, accelerate the legislation of agricultural insurance, promote the promotion of agricultural insurance, strengthen the management of micro-credit, eliminate hidden risks;The measures taken by township banks to strengthen cooperation with the financial industry and broaden the sources of funds have certain reference value for promoting the development of rural finance in Hengshan County.
【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】：F832.7

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