基于现代农业的湖南农村信用社信贷产品创新研究
发布时间：2018-11-09 15:03
【摘要】：农业是人类衣食之源、生存之本,是一切生产的首要条件,是支撑国民经济建设与发展的基础产业。世界著名经济学家舒尔茨曾提出了发展中国家的经济成长有赖于农业的迅速稳定增长,而传统农业不具备迅速稳定增长的能力,出路在于把传统农业改造为现代农业,即实现农业现代化。2007年中央一号文件《中共中央国务院关于积极发展现代农业扎实推进社会主义新农村建设的若干意见》第一次正式提出了要发展现代农业,并指出发展现代农业是社会主义新农村建设的首要任务。湖南是我国的农业大省,湖南农业现代化,对全国农业现代化目标的实现起着重要的作用。 现代农业拥有高产出的同时伴随着高风险,需要高投入作为其发展的前提。现代农业的发展离不开信贷资金的有效支持。从信贷支持业务来看,农村信用社占农村金融市场的主导地位。我国农村信用社目前主要的信贷产品是农户小额信用贷款、农户联保贷款、抵押和质押贷款三类,其共同特点是贷款额度小贷款期限短,贷款用途单一难以满足现代农业发展的需求。为了缓解和解决建设现代农业所面临的面临投入不足、资金分散等问题,促进农村生产发展,转变农业增长方式,这就对农村信用社信贷产品的创新提出了新的思考方向。近年来湖南农村信用社根据现代农业发展的特点进行了信贷产品创新,取得了一定的成效,但创新力度仍不够,不能跟上湖南信贷农业发展的步伐,应该进一步优化现有信贷产品和创新的信贷产品,支持湖南现代农业又好又快发展。 本文首先从分析湖南现代农业的发展状况入手,分析了湖南现代农业发展的现状、特点及其对信贷资金的需求的要求,并根据湖南农村信用社现有信贷产品的特点分析了现有信贷产品对湖南现代农业发展信贷需求要求的适应性,得出湖南农村信用社信贷产品亟需创新的结论。其次从内部因素和外部因素两个方面分析了湖南农村信用社信贷产品创的障碍,并从湖南省地方农村信用社信贷产品创新的创新之处和成效分析得到湖南农村信用社信贷产品创新的启示。最后提出湖南农村信用社信贷产品创新方向分析及加快创新步伐的对策和建议。
[Abstract]:Agriculture is the source of human food and clothing, the basis of survival, the primary condition of all production, and the basic industry to support the construction and development of national economy. Schultz, a famous economist in the world, once pointed out that the economic growth of developing countries depends on the rapid and steady growth of agriculture, but the traditional agriculture does not have the ability to grow rapidly and steadily. The way out is to transform traditional agriculture into modern agriculture. That is, to realize the modernization of agriculture. In 2007, document No. 1 of the Central Committee of the CPC Central Committee and the State Council on actively developing Modern Agriculture and promoting the Construction of a New Socialist Countryside for the first time formally put forward the idea of developing modern agriculture. And pointed out that the development of modern agriculture is the primary task of socialist new rural construction. Hunan is a big agricultural province in China. Agricultural modernization in Hunan plays an important role in the realization of the goal of agricultural modernization in China. Modern agriculture has high output and high risk, which needs high input as the premise of its development. The development of modern agriculture can not be separated from the effective support of credit funds. From the credit support business, rural credit cooperatives play a leading role in rural financial markets. At present, the main credit products of rural credit cooperatives in China are small credit loans for peasant households, protection loans for farmers, mortgages and pledged loans. The common characteristics of these products are the short duration of small loans. The single use of loans is difficult to meet the needs of modern agricultural development. In order to alleviate and solve the problems faced by the construction of modern agriculture, such as insufficient investment and dispersion of funds, promoting the development of rural production and changing the mode of agricultural growth, this paper puts forward a new thinking direction for the innovation of credit products of rural credit cooperatives. In recent years, Hunan Rural Credit Cooperatives have carried out credit product innovation according to the characteristics of modern agricultural development, and have achieved certain results, but the innovation is still not enough to keep up with the pace of Hunan credit agriculture development. Existing credit products and innovative credit products should be further optimized to support the sound and rapid development of modern agriculture in Hunan. This paper begins with the analysis of the development of modern agriculture in Hunan Province, and analyzes the present situation, characteristics and requirements for credit funds of modern agriculture in Hunan Province. According to the characteristics of the existing credit products of Hunan Rural Credit Cooperatives, this paper analyzes the adaptability of the existing credit products to the demand for credit for modern agricultural development in Hunan, and draws the conclusion that the credit products of Hunan Rural Credit Cooperatives need to be innovated urgently. Secondly, it analyzes the obstacles to the creation of credit products of Hunan Rural Credit Cooperatives from two aspects: internal and external factors. From the innovation of credit products of local rural credit cooperatives in Hunan Province and the analysis of the results, the inspiration of credit product innovation of rural credit cooperatives in Hunan Province is obtained. Finally, the paper puts forward the analysis of innovation direction of credit products of Hunan Rural Credit Cooperative and the countermeasures and suggestions to speed up the innovation.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
本文编号：2320752
[Abstract]:Agriculture is the source of human food and clothing, the basis of survival, the primary condition of all production, and the basic industry to support the construction and development of national economy. Schultz, a famous economist in the world, once pointed out that the economic growth of developing countries depends on the rapid and steady growth of agriculture, but the traditional agriculture does not have the ability to grow rapidly and steadily. The way out is to transform traditional agriculture into modern agriculture. That is, to realize the modernization of agriculture. In 2007, document No. 1 of the Central Committee of the CPC Central Committee and the State Council on actively developing Modern Agriculture and promoting the Construction of a New Socialist Countryside for the first time formally put forward the idea of developing modern agriculture. And pointed out that the development of modern agriculture is the primary task of socialist new rural construction. Hunan is a big agricultural province in China. Agricultural modernization in Hunan plays an important role in the realization of the goal of agricultural modernization in China. Modern agriculture has high output and high risk, which needs high input as the premise of its development. The development of modern agriculture can not be separated from the effective support of credit funds. From the credit support business, rural credit cooperatives play a leading role in rural financial markets. At present, the main credit products of rural credit cooperatives in China are small credit loans for peasant households, protection loans for farmers, mortgages and pledged loans. The common characteristics of these products are the short duration of small loans. The single use of loans is difficult to meet the needs of modern agricultural development. In order to alleviate and solve the problems faced by the construction of modern agriculture, such as insufficient investment and dispersion of funds, promoting the development of rural production and changing the mode of agricultural growth, this paper puts forward a new thinking direction for the innovation of credit products of rural credit cooperatives. In recent years, Hunan Rural Credit Cooperatives have carried out credit product innovation according to the characteristics of modern agricultural development, and have achieved certain results, but the innovation is still not enough to keep up with the pace of Hunan credit agriculture development. Existing credit products and innovative credit products should be further optimized to support the sound and rapid development of modern agriculture in Hunan. This paper begins with the analysis of the development of modern agriculture in Hunan Province, and analyzes the present situation, characteristics and requirements for credit funds of modern agriculture in Hunan Province. According to the characteristics of the existing credit products of Hunan Rural Credit Cooperatives, this paper analyzes the adaptability of the existing credit products to the demand for credit for modern agricultural development in Hunan, and draws the conclusion that the credit products of Hunan Rural Credit Cooperatives need to be innovated urgently. Secondly, it analyzes the obstacles to the creation of credit products of Hunan Rural Credit Cooperatives from two aspects: internal and external factors. From the innovation of credit products of local rural credit cooperatives in Hunan Province and the analysis of the results, the inspiration of credit product innovation of rural credit cooperatives in Hunan Province is obtained. Finally, the paper puts forward the analysis of innovation direction of credit products of Hunan Rural Credit Cooperative and the countermeasures and suggestions to speed up the innovation.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
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