黑龙江省村镇银行支农研究

发布时间：2018-12-06 22:02

【摘要】：要提高农民收入、解决“三农”问题，建设社会主义新农村，解决农村金融供给不足的问题，中国的农村金融急需提供新的供给主体并在组织上和制度上进行创新。经过多年的酝酿和调研，2006年国家开始调整和放宽农村地区银行业机构的准入政策，村镇银行是在这一背景下诞生的，并得到迅速发展。黑龙江省是中国的农业大省之一，农业、农村、农民问题更为突出，，特别是农村金融供给问题是新农村建设的重要影响因素，村镇银行的设立能否解决农村金融的供给问题，完成支农的使命，对黑龙江省村镇银行支农效果的研究具有一定的典型性。本研究重点围绕黑龙江省村镇银行支农问题进行研究，研究的主要内容包括以下几个方面：（1）村镇银行支农的理论探讨。农村地区金融供给不足，是中国存在的普遍性问题。研究村镇银行支农问题首先需要从理论上界定村镇银行的相关概念，寻找金融支农的理论依据，明确村镇银行作为金融组织支农的合法性、科学性、有效性问题。（2）黑龙江省村镇银行的发展历程及存在的问题。以黑龙江省村镇银行为研究对象，回顾全国村镇银行的发展历程及黑龙江省村镇银行的现状，总结分析黑龙江省村镇银行面临的发展瓶颈，并探讨产生这些问题的深层次原因。（3）黑龙江省村镇银行支农经济和社会绩效问题。村镇银行是一种商业性金融机构，盈利性是商业组织的天性，支农是村镇银行设立的初衷和目标，这就产生了村镇银行的经济效益和社会效益的矛盾，从理论、实证和政策三个层面系统地对黑龙江省村镇银行的支农效应进行分析评价。（4）促进黑龙江省村镇银行有效支农的对策建议。在归纳总结国内其他省份村镇银行支农的发展模式和经验教训的基础上，提出促进黑龙江省村镇银行发展，充分发挥其支农功能的对策建议：第一，村镇银行不断加大对农信贷业务的力度，创新支农业务模式，寻找合理的效益增长点；第二，改善农村金融的生态环境，从制度环境、法律环境和担保体系等方面保障村镇银行的支农功能的充分发挥。
[Abstract]:In order to raise farmers' income, solve the problem of "three rural areas", build a new socialist countryside and solve the problem of insufficient supply of rural finance, China's rural finance urgently needs to provide a new main body of supply and innovate in organization and system. After years of brewing and investigation, in 2006, the country began to adjust and relax the access policy of banking institutions in rural areas, and village banks were born under this background and developed rapidly. Heilongjiang Province is one of the major agricultural provinces in China. The problems of agriculture, rural areas and farmers are more prominent. Especially, the problem of rural financial supply is an important factor affecting the construction of new rural areas. Can the establishment of village and town banks solve the supply problem of rural finance? In order to complete the mission of supporting agriculture, the research on the effect of supporting agriculture of Heilongjiang Village Bank is typical. The main contents of this study are as follows: (1) the theoretical discussion of rural bank supporting agriculture in Heilongjiang province. Insufficient financial supply in rural areas is a common problem in China. To study the problem of supporting agriculture in village bank, we should define the related concept of village bank theoretically, find the theoretical basis of financial support for agriculture, and clarify the legitimacy, science and validity of village bank as a financial organization to support agriculture. (2) the development course and existing problems of Heilongjiang Village and Town Bank. Taking the village bank of Heilongjiang province as the research object, this paper reviews the development course of the village bank in the whole country and the present situation of the village bank in Heilongjiang province, summarizes and analyzes the bottleneck of the development of the village bank in Heilongjiang province, and probes into the deep-seated causes of these problems. (3) the economic and social performance of rural banks in Heilongjiang province. The village bank is a kind of commercial financial institution, profitability is the nature of the commercial organization, supporting agriculture is the original intention and goal of the village bank, which has produced the contradiction between the economic and social benefits of the village bank. This paper systematically analyzes and evaluates the agricultural support effect of Heilongjiang Village Bank in three levels: demonstration and policy. (4) the countermeasures and suggestions to promote the village bank in Heilongjiang province to support agriculture effectively. On the basis of summing up the development model and experience and lessons of rural banks in other provinces of China, this paper puts forward some countermeasures and suggestions for promoting the development of village banks in Heilongjiang Province and giving full play to their function of supporting agriculture: first, Village and town banks constantly increase the strength of agricultural credit business, innovate the mode of supporting agriculture business, and look for a reasonable point of benefit growth; Secondly, the ecological environment of rural finance should be improved, and the system environment, legal environment and guarantee system should be guaranteed to give full play to the function of supporting agriculture of rural banks.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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