福建省农村信用社信贷支农效率及优化途径研究

发布时间：2017-12-31 23:20

本文关键词：福建省农村信用社信贷支农效率及优化途径研究　出处：《福建农林大学》2012年硕士论文　论文类型：学位论文

【摘要】：农村信用社是扶持农村金融的主力军,是联系农民的桥梁和纽带。近几年,随着国有商业银行逐渐撤出农村,农村信用社信贷支农的功能也随即增强。对福建省农村信用社信贷支农效率进行系统研究的重要意义体现在：一是有利于提高福建省农村信用社信贷支农效率；二是有利于强化福建省农村信用社服务“三农”功能；三是有利于促进福建农村经济发展和农民增收致富。同时,本文还通过分析福建省农村信用社信贷支农业务情况及存在的问题,借鉴国外农村信用合作组织和国内各省农村信用社的成功经验,采用2006-2010年这五年福建省农村信用社和农村经济发展中的相关数据对福建省农村信用社信贷支农效率进行测度评价,以期发现影响福建省农村信用社信贷支农效率的主要因素,从而有针对性地提出优化福建省农村信用社信贷支农效率途径,为更好的解决农村金融资金供给不足,消除农业转型发展的“瓶颈”,并为进一步深化福建省农村信用社改革、制定福建省农村信用社信贷支农政策提供可行性意见。本文主要围绕以下七个章节展开研究：第一章引言,内容包括论文研究的背景、目的及其意义,国内外文献综述,论文研究的内容和方法等；第二章探讨了农村信用社信贷支农效率的研究理论；第三章探讨了福建省农村信用社信贷支农的现状及存在问题,并分析了福建省农村信用社支农贷款对农村经济的贡献度；第四章选取福建省九个地区的农村信用社作为实证分析的研究对象,采用DEA分析方法对福建省农村信用社信贷支农效率进行测算与评价；第五章运用多元回归分析法对影响福建省农村信用社信贷支农效率的因素进行分析,从中找寻出影响福建省农村信用社信贷支农效率的主要因素；第六章提出了优化福建省农村信用社信贷支农效率的途径；第七章结语,回顾本研究所得结论并对文章研究中所存在的不足进行阐述,以期未来能够以此为基础进行更深入的研究。本文研究所得出的主要结论：一是福建省农村信用社支农贷款对福建省农业总产值具有显著的相关性,说明福建省农村信用社支农贷款是影响福建省农村总产值增长的重要因素,同时扩大福建省农村信用社支农贷款也有利于提高福建省农业产出水平。二是2006-2010年期间福建省农村信用社信贷支农效率较高,全省技术效率均在0.90以上。但在2010年有较明显回落且各地区效率存在较大差距,宁德的农村信用社信贷支农效率高于其他8个地区,而漳州的农村信用社信贷支农效率最低。三是业务结构(涉农贷款比例)及资产配置水平(存贷比)对福建省农村信用社信贷支农效率产生正向重要影响,而农业环境(当地第一产业GDP比例)和资产质量(不良贷款率)对福建省农村信用社信贷支农效率产生反向重要影响。四是优化福建省农村信用社信贷支农效率的途径为：构建良好福建农村金融环境；坚持福建省农村信用社信贷支农经营方向;完善福建省农村信用社农户信用贷款方式；强化福建省农村信用社市场营销管理手段；提高福建省农村信用社信贷资产管理水平。
[Abstract]:Rural credit cooperatives are the main force of rural financial support, is a bridge to link farmers. In recent years, with the gradual withdrawal of state-owned commercial banks in rural areas, rural credit cooperative supporting agriculture function was also enhanced. The agriculture efficiency of rural credit cooperatives in Fujian province credit system research significance is reflected in: a to improve the efficiency of agriculture of Fujian province rural credit cooperative; two is conducive to the strengthening of rural credit cooperatives in Fujian province "three rural" service function; the three is to promote the Fujian rural economic development and farmers' income. At the same time, this article also through the analysis of the agriculture business in Fujian province rural credit cooperatives credit situation and the existing problems, learn from the successful experience rural credit cooperative organizations in foreign and domestic provinces of rural credit cooperatives, with 2006-2010 in five years of Fujian Province Rural Credit Cooperatives and rural economic development in the relevant number According to the measure of efficiency evaluation of agriculture in Fujian province rural credit cooperative, in order to find the main factors affecting the efficiency of agriculture of Fujian province rural credit cooperative, in order to put forward effective way to optimize the agriculture in Fujian province rural credit cooperative, to better solve the shortage of rural financial capital supply, the elimination of agricultural restructuring and development of the "bottleneck", and to further deepen the reform of rural credit cooperatives in Fujian Province, provide the feasible advice to develop policies for supporting agriculture in Fujian province rural credit cooperative.
This paper mainly includes the following seven chapters: the first chapter is introduction, the research content includes the research background, purpose and significance, literature review, research contents and methods; the second chapter discusses the theoretical research of agriculture efficiency of rural credit cooperative; the third chapter discusses the current situation of rural credit cooperative supporting agriculture in Fujian province and the existing problems, and analyzes the contribution of rural credit loan for agriculture in Fujian Province on the rural economy; the fourth chapter is the analysis of the research object from nine regions of Fujian province rural credit cooperatives as an example, using the DEA analysis method to measure and evaluate the efficiency of agriculture in Fujian Province rural credit cooperative; the fifth chapter uses the multiple regression analysis of the influencing factors of the efficiency of agriculture in Fujian province rural credit cooperatives credit method, to find out the influence of rural credit cooperative supporting agriculture in Fujian Province The main factors of efficiency; the sixth chapter puts forward the way to optimize the efficiency of agriculture in Fujian province rural credit cooperative; the seventh chapter reviews the conclusions of this study and the insufficiency of the research is discussed in this paper, in order to use it as the basis for future research further.
The main conclusions of this paper are drawn from the research: one is the rural credit loan for agriculture in Fujian province has significant correlation to the total output value of agriculture in Fujian Province, the loan of rural credit cooperatives for agriculture in Fujian province is an important factor affecting rural output growth in Fujian Province, while expanding loans of rural credit cooperatives for agriculture in Fujian province is conducive to the improvement of agriculture in Fujian province the level of output is two. During the period of 2006-2010 in Fujian province rural credit cooperative agriculture with high efficiency, the technical efficiency was above 0.90. But in 2010 had dropped significantly and the efficiency gap, Ningde rural credit cooperatives credit support efficiency is higher than that of the other 8 regions, and Zhangzhou have the lowest efficiency in support of rural credit cooperatives three. Credit is the business structure (the proportion of agricultural loans) and asset allocation level (deposit ratio) has a positive weight on the efficiency of agriculture in Fujian Province Rural Credit Cooperative To influence, and agricultural environment (local industry first GDP ratio) and the quality of the assets (non-performing loan ratio) have an important influence on the backward agriculture efficiency of rural credit cooperatives in Fujian province. Four is the way to optimize the credit support efficiency of rural credit cooperatives in Fujian province credit for Fujian to build a good environment for rural finance; adhere to the Fujian province rural credit cooperative agriculture management direction; perfecting the rural credit cooperatives in Fujian Province farmers credit loans of rural credit cooperatives in Fujian province; strengthen marketing management; improve the rural credit cooperatives in Fujian province credit asset management level.

【学位授予单位】：福建农林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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