黑龙江涉农区域经济发展中的金融支持研究

发布时间：2018-08-12 21:11

【摘要】：黑龙江是农业大省。农业总人口达1889.8万人，占全省49.2%。全省所有的市县区都涉农，最大城市哈尔滨所辖区县的全部农业人口也超过了城市人口。农民要进城、农业要产业化、农村要城镇化是不可逆转的历史潮流，金融支持涉农区域的经济发展是其义不容辞的历史责任。从最基层的三农（农村、农业、农民。下同）做起，培育新的城市群离不开金融的支持和金融创新，而中国金融领域的改革与创新相对滞后，金融工具不足，尤其是对三农的支持不足，有目共睹。黑龙江省经济在全国属于相对落后的省份，金融发展和金融服务也低于全国平均水平，其金融组织结构不尽合理，银行垄断性高，非银行金融机构的发展相对滞后，金融资产的形成过分依赖银行贷款，，直接融资比重偏小，对三农的支持也一直力度不大，因此，为使黑龙江金融发展与三农经济发展相匹配，本文运用区域经济与区域金融等理论，研究黑龙江在总体城市经济发展的背景下涉农经济发展的金融支持以及相关方面的问题，并收集黑龙江省各层次城市经济发展与金融支持方面的数据资料进行实证研究，基于黑龙江省的各层次城镇经济发展现实基础上，探索构建黑龙江省金融支持促进涉农区域经济发展的路径和模式。本文试图在黑龙江充分借助农垦系统经营、管理优势，实施“银垦合作，携手共赢”发展模式的基础上，破解我国四大国有银行现阶段农贷发展难题。初步探索个人涉农贷款发展模式，以“益农贷”品牌为主体，积极拓展“农场种植贷”、“农房贷”、“农机贷”，继续探索“林农贷”、“农户贷”、“收购贷”等农业子产品。以金融支持三农社会最基层的微观主体---农民入手，来促进三农微型企业的成长，进而推进三农社会的城镇化的进程。
[Abstract]:Heilongjiang is a big agricultural province. The total agricultural population reached 18.898 million people, accounting for 49.2% of the province. All cities and counties in the province are concerned with agriculture, and the largest city, Harbin, has a more agricultural population than the urban population. It is an irreversible historical trend for farmers to go into cities, agriculture to industrialization, and urbanization for rural areas. It is their unshirkable historical responsibility to support the economic development of agriculture-related areas. From the most basic level of the three rural areas (rural, agriculture, farmers. To cultivate a new urban agglomeration can not be separated from financial support and financial innovation, but the reform and innovation in the financial field in China lags behind, and the financial instruments are insufficient, especially for agriculture, rural areas and farmers, which is obvious to all. The economy of Heilongjiang Province is relatively backward in the whole country, the financial development and financial services are also lower than the national average level, its financial organization structure is unreasonable, the bank monopoly is high, and the development of non-bank financial institutions is relatively lagging behind. The formation of financial assets is excessively dependent on bank loans, the proportion of direct financing is on the low side, and the support for agriculture, rural areas and farmers has not been strong all the time. Therefore, in order to match the financial development of Heilongjiang with the economic development of agriculture, rural areas and farmers, Based on the theories of regional economy and regional finance, this paper studies the financial support and related problems of agricultural economic development in Heilongjiang under the background of overall urban economic development. And collect all levels of urban economic development and financial support data for empirical research, based on Heilongjiang Province at all levels of urban economic development on the basis of the reality of economic development. To explore the ways and models of financial support to promote the regional economic development in Heilongjiang Province. This paper attempts to solve the problem of agricultural loan development of four state-owned banks in China on the basis of Heilongjiang's development mode of "cooperation of silver reclamation and win-win" based on the advantages of management and management of agricultural reclamation system. Exploring the development mode of individual agricultural loan, taking "benefit agricultural loan" brand as the main body, actively expanding "farm planting loan", "agricultural house loan", "agricultural machinery loan", and continuing to explore "forest agricultural loan" and "peasant household loan". "purchase loan" and other agricultural sub-products. In order to promote the growth of agriculture, rural areas and microenterprises, and promote the process of urbanization of the rural, rural areas and farmers society, we should start with the micro main body of financial support for agriculture, rural areas and farmers, that is, the farmers at the basic level.
【学位授予单位】：东北师范大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F127;F832.7

【参考文献】