广东增城市农村金融信用体系建设研究
发布时间：2019-02-15 20:08
【摘要】：进入新世纪以后,我国金融业得到前所未有的发展。金融市场逐渐形成村金融市场与城市金融市场的二元市场体系,城市金融市场发展逐渐趋于完善,其利润空间逐渐降低,此时大力发展农村金融市场对于金融机构讲就显得格外重要。农村金融市场建设关键在于农村金融信用的建设,由于传统诚信因素的影响,农村金融诚信建设还处于初级阶段,因而缺乏诚信的现象广泛存在,导致农村金融市场发展缓慢。从农村金融市场现状来看,农村居民收入来源相对单一,主要来源于农产品的市场效益,然而这种效益受自然灾害、市场规律的影响严重；同时农村居民缺乏必要的抵押物以获取金融资金。除此之外,由于农村金融市场发展还相对滞后,金融风险广泛存在,对于希望依靠金融投资实现致富梦想的农村居民来讲就成为最大的阻碍。 本文运用实证分析和规范分析相结合、定性分析和定量分析相结合、文献分析法等分析方法以广东增城市农村金融信用现状及建设中存在的问题进行深入的研究,以此来了解农村金融信用的实质及存在问题的原因,并在此基础上提出提升农村金融信用的可行性措施。首先本文对研究背景、意义及相关金融信用的理论进行了剖析,从理论角度对农村金融信用展开分析,为后文结合广东增城市农信信用的案例实证研究奠定了理论基础。然后本文对广东增城市农信金融信用的现状、问题及成因进行研究,研究表明当前广东增城市农村金融信用还存在金融信用缺失相对比较普遍、诚信意识较弱、法律意识较弱等问题,引起这些问题的影响因素相对比较复杂,包括社会因素、行政因素、农村居民因素、行业因素等。最后,本文从政府角度、农村社会环境角度、行业角度提出了具有一定实践价值的对策建议。 本文相对系统的对当前农村金融信用理论进行了梳理,同时结合实践经验对理论进行了进一步充实。在此基础上,本文选择广东增城市为例进行农村金融信用探讨,在一定程度上为推动增城市农村金融业的发展提供了一定的借鉴。除此之外,本文结合广东增城农村金融信用角度现状,提出了具有一定现实意义的举措,立体化的诠释了农村金融信用的影响因素,为政策制定者、金融从业者等提供了一定借鉴。
[Abstract]:After entering the new century, China's financial industry has been unprecedented development. The financial market has gradually formed a dual market system between the village financial market and the urban financial market. The development of the urban financial market has gradually become more and more perfect, and its profit space has gradually decreased. At this time, the development of rural financial markets for financial institutions is particularly important. The key to the construction of rural financial market lies in the construction of rural financial credit. Because of the influence of traditional credit factors, the construction of rural financial honesty is still in the primary stage, so the phenomenon of lack of good faith widely exists, which leads to the slow development of rural financial market. From the current situation of rural financial market, the income of rural residents is relatively single, mainly from the market benefits of agricultural products, but this benefit is affected by natural disasters and market laws. At the same time, rural residents lack the necessary collateral to obtain financial funds. In addition, because the development of rural financial market is still relatively lagging, the financial risk exists widely, which is the biggest obstacle for rural residents who want to rely on financial investment to realize their dream of becoming rich. This paper combines the empirical analysis with the normative analysis, the qualitative analysis with the quantitative analysis, the literature analysis method and so on, carries on the thorough research to the present situation of rural finance credit and the existing problems in the construction of Zengcheng City, Guangdong Province. In order to understand the essence of rural financial credit and the reasons for the problems, and on the basis of this, put forward the feasible measures to enhance rural financial credit. First of all, this paper analyzes the background, significance and related financial credit theory, and analyzes rural financial credit from a theoretical perspective, which lays a theoretical foundation for the case study of rural credit in Zengcheng city, Guangdong Province. Then this paper studies the current situation, problems and causes of the financial credit of agricultural credit in Zengcheng city, Guangdong province. The research shows that the financial credit in rural areas of Zengcheng city of Guangdong province is still lack of financial credit, and the sense of good faith is relatively weak. The influence factors that cause these problems are relatively complex, including social factors, administrative factors, rural residents' factors, trade factors and so on. Finally, this paper puts forward some practical suggestions from the angle of government, rural social environment and industry. This paper systematically combs the current rural financial credit theory, and further enriches the theory with practical experience. On this basis, this paper chooses Zengcheng city in Guangdong province as an example to discuss the rural financial credit, to a certain extent, it provides some reference for promoting the development of rural financial industry in Zengcheng city. In addition, this paper combines the current situation of rural financial credit in Zengcheng, Guangdong Province, and puts forward some practical measures, which explain the influencing factors of rural financial credit, and become policy makers. Financial practitioners and so on to provide certain reference.
【学位授予单位】：仲恺农业工程学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7
本文编号：2423657
[Abstract]:After entering the new century, China's financial industry has been unprecedented development. The financial market has gradually formed a dual market system between the village financial market and the urban financial market. The development of the urban financial market has gradually become more and more perfect, and its profit space has gradually decreased. At this time, the development of rural financial markets for financial institutions is particularly important. The key to the construction of rural financial market lies in the construction of rural financial credit. Because of the influence of traditional credit factors, the construction of rural financial honesty is still in the primary stage, so the phenomenon of lack of good faith widely exists, which leads to the slow development of rural financial market. From the current situation of rural financial market, the income of rural residents is relatively single, mainly from the market benefits of agricultural products, but this benefit is affected by natural disasters and market laws. At the same time, rural residents lack the necessary collateral to obtain financial funds. In addition, because the development of rural financial market is still relatively lagging, the financial risk exists widely, which is the biggest obstacle for rural residents who want to rely on financial investment to realize their dream of becoming rich. This paper combines the empirical analysis with the normative analysis, the qualitative analysis with the quantitative analysis, the literature analysis method and so on, carries on the thorough research to the present situation of rural finance credit and the existing problems in the construction of Zengcheng City, Guangdong Province. In order to understand the essence of rural financial credit and the reasons for the problems, and on the basis of this, put forward the feasible measures to enhance rural financial credit. First of all, this paper analyzes the background, significance and related financial credit theory, and analyzes rural financial credit from a theoretical perspective, which lays a theoretical foundation for the case study of rural credit in Zengcheng city, Guangdong Province. Then this paper studies the current situation, problems and causes of the financial credit of agricultural credit in Zengcheng city, Guangdong province. The research shows that the financial credit in rural areas of Zengcheng city of Guangdong province is still lack of financial credit, and the sense of good faith is relatively weak. The influence factors that cause these problems are relatively complex, including social factors, administrative factors, rural residents' factors, trade factors and so on. Finally, this paper puts forward some practical suggestions from the angle of government, rural social environment and industry. This paper systematically combs the current rural financial credit theory, and further enriches the theory with practical experience. On this basis, this paper chooses Zengcheng city in Guangdong province as an example to discuss the rural financial credit, to a certain extent, it provides some reference for promoting the development of rural financial industry in Zengcheng city. In addition, this paper combines the current situation of rural financial credit in Zengcheng, Guangdong Province, and puts forward some practical measures, which explain the influencing factors of rural financial credit, and become policy makers. Financial practitioners and so on to provide certain reference.
【学位授予单位】：仲恺农业工程学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7
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