湖南省农业贷款难问题研究

发布时间：2018-03-23 15:59

本文选题：农业贷款　切入点：银根紧缩　出处：《湖南农业大学》2012年硕士论文

【摘要】：为应对金融危机,政府往往对货币政策进行调整,导致农业经济建设资金供给与需求失衡。在这样的背景下,因为农业自身的弱质性,金融机构对农业贷款资金投入不足,并且通过各种渠道从农村抽走大量资金,严重制约了农业的发展。同时,金融机构对农业贷款的发放和管理体制不健全,政府对农业贷款监管机制不完善,金融机构农业贷款的发放和管理具有很大的风险。制约农村经济发展的首要问题是贷款农户既无抵押质押品、信用意识低,更没有相关的信用记录和信用评价体系,农业贷款成为难题。要从根本上解决湖南省农业贷款难的问题,需要金融政策的集合：调整国家财政建设资金的投向和结构；完善农业贷款管理体制、运行机制和监管机制,建立健立农业贷款相关法律法规,健全担保机制,创新担保组织,创建农村个人信用评价体系,落实农业信用环境建设。
[Abstract]:In order to cope with the financial crisis, the government often adjusts its monetary policy, which leads to the imbalance between the supply of funds and the demand for agricultural economic construction. In this context, because of the weakness of agriculture itself, financial institutions do not invest enough in agricultural loans. At the same time, the system of issuing and managing agricultural loans by financial institutions is not perfect, and the supervision mechanism of agricultural loans by the government is not perfect. The most important problem that restricts the development of rural economy is that the loan farmers have neither collateral pledge, low credit consciousness, nor relevant credit record and credit evaluation system. Agricultural loan has become a difficult problem. To fundamentally solve the problem of agricultural loan in Hunan Province, we need the collection of financial policies, including adjusting the investment and structure of national financial construction funds, perfecting the management system, operating mechanism and supervision mechanism of agricultural loan. Establishing laws and regulations related to agricultural loans, perfecting guarantee mechanism, innovating guarantee organizations, establishing evaluation system of individual credit in rural areas, and implementing the construction of agricultural credit environment.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43

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