农业政策性金融对农产品加工企业的金融支持问题研究

发布时间：2018-03-25 08:17

本文选题：政策性金融　切入点：农产品加工企业　出处：《安徽大学》2012年硕士论文

【摘要】：我国是一个传统的农业大国,“三农”问题事关中国全社会的和谐安定和小康社会建设的全面实现。当前,党中央、国务院高度重视农业产业化发展问题,在2012年《国务院关于支持农业产业化龙头企业发展的意见》指出：“支持龙头企业发展,对于提高农业组织化程度、加快转变农业发展方式、促进现代农业建设和农民就业增收具有十分重要的作用。”现阶段,我国广大的中西部农业产业化程度还很落后,许多地区依然是传统的农业,谈不上农业产业化。大量事实已经证明,在实施农业产业化发展过程中,农产品加工是最主要因素,也是决定农业产业化能否兴起和不断发展的最具决定性一环,推进农业产业化的关键前提是发展农产品加工,其意义和作用十分重要。中国农业发展银行作为我国惟一的农业政策性银行,近年来不断拓宽信贷支农范围,积极开办了支持农业加工企业的各类贷款品种和金融服务,支持培育一批有影响力的农产品加工企业,引导企业积极开展农业产业化经营。尤其是现阶段,国际经济危机的影响仍在蔓延,农业经济形势更为严峻,因此,当前加大政策性金融信贷支持力度,具有十分重要的意义。然而,农发行在支持农产品加工企业过程中,还存在一些制度性、技术性的问题以及如何更好的发挥政策性支农作用问题亟待研究解决。本文首先介绍了政策性金融支持农产品加工企业动因以及与政策性金融支持农产品加工业高度关联的基础理论。第二部分回顾了我国惟一的政策性金融机构-----农发行支持农产品加工企业的发展历程,对农发行支持农产品加工企业的现状进行论述,提炼出农发行支持农产品加工企业进程中还存在一些问题,并结合基础理论对存在的问题进行了分析。第三部分采用案例分析法,通过农发行支持凤宝公司现状,分析存在问题,并提出相应对策。第四部分在以上理论结合实际分析的前提下,如何尽可能地发挥农业政策性金融机构对农产品加工企业扶持和保护作用,提出相应的对策。本文可能存在的创新之处在于：本文以凤宝公司这一有代表性的加工企业作为研究对象,以点带面,从构建政策性金融体系到具体的信贷品种,从宏观政策到微观经济分析研究提出对策,也是一种尝试。目前,在企业融资问题研究方面,对国有大型企业、中小微企业的研究很多,而对农产品加工企业融资问题的研究很少,本文以农业政策性金融理论为切入点全面,结合农产品工企业的特点,系统地研究了农产品加工企业的政策性金融融资问题,并提出了相应的对策和建议。得出主要结论是：建立和完善政策性金融支持农产品加工业的体系和外部环境,农发行加强和改善信贷服务,加工企业自身企业必须要提升经营管理水平,争取获得政策性金融机构更多更好的信贷支持。
[Abstract]:China is a traditional agricultural country. The "three rural" issues are related to the harmonious and stable society in China and the overall realization of the construction of a well-off society. At present, the CPC Central Committee and the State Council attach great importance to the development of agricultural industrialization. In the State Council's opinion on supporting the Development of leading Enterprises in Agricultural industrialization in 2012, it was pointed out: "to support the development of leading enterprises, to improve the degree of agricultural organization and to speed up the transformation of the mode of agricultural development, Promoting the construction of modern agriculture and increasing the employment and income of farmers play a very important role. "at this stage, the vast majority of the central and western regions of China are still lagging behind in terms of agricultural industrialization, and many areas are still traditional agriculture," he said. A large number of facts have proved that in the process of implementing the development of agricultural industrialization, the processing of agricultural products is the most important factor and the most decisive link in determining the rise and continuous development of agricultural industrialization. The key premise of promoting agricultural industrialization is the development of agricultural products processing, its significance and role is very important. As the only agricultural policy bank in China, the Agricultural Development Bank of China has continuously expanded the scope of credit support for agriculture in recent years, and has actively established various kinds of loans and financial services to support agricultural processing enterprises. To support the cultivation of a number of influential agricultural processing enterprises and guide them to actively carry out agricultural industrialization. Especially at this stage, the impact of the international economic crisis is still spreading, and the agricultural economic situation is even more severe. Therefore, At present, it is of great significance to increase the support for policy-oriented financial credit. However, in the process of supporting agricultural products processing enterprises, the Agricultural Development Bank still has some institutional aspects. Technical problems and how to better play the role of policy to support agriculture need to be solved. This paper first introduces the motivation of policy finance supporting agricultural product processing enterprises and the basic theory which is highly related to the policy finance supporting agricultural product processing industry. The second part reviews the only policy-oriented financial institution in China. The Agricultural Development Bank supports the development of agricultural products processing enterprises, This paper discusses the current situation of agricultural products processing enterprises supported by Agricultural Development Bank, and abstracts some problems in the process of agricultural products processing enterprises supported by Agricultural Development Bank. And combined with the basic theory to analyze the existing problems. The third part uses the case analysis method, through the Agricultural Development Bank to support the current situation of Fengbao Company, analyze the existing problems, In the fourth part, on the premise of the above theoretical and practical analysis, how to give full play to the role of agricultural policy-oriented financial institutions to support and protect agricultural product processing enterprises, and put forward the corresponding countermeasures. The innovation of this paper may lie in: this paper takes Fengbao Company, a representative processing enterprise, as the research object, from the construction of policy-oriented financial system to the specific credit varieties. It is also an attempt to put forward countermeasures from macro-policy to microeconomic analysis. At present, there are many studies on large state-owned enterprises, small and medium-sized enterprises, and small and medium-sized enterprises. However, there are few researches on the financing problems of agricultural product processing enterprises. This paper, taking the agricultural policy finance theory as the starting point and combining the characteristics of the agricultural products industry enterprises, systematically studies the policy financial financing problems of the agricultural products processing enterprises. The main conclusions are as follows: establishing and perfecting the system and external environment of policy-oriented finance to support the agricultural products processing industry, strengthening and improving the credit service of Agricultural Development Bank. Processing enterprises themselves must improve their management level and gain more and better credit support from policy-oriented financial institutions.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F326.5;F832.35

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