黑龙江省农村民间金融发展对策研究
发布时间：2018-07-14 16:22
【摘要】：黑龙江省是个农业大省,农村经济是黑龙江省经济的重要组成部分之一。随着黑龙江省农村经济的快速发展,农村市场的金融服务需求日益增长。但是黑龙江省农村正规金融有着严格的管制要求,难以满足与日俱增的农村市场金融服务需求,而黑龙江省农村民间金融及时弥补了农村正规金融信贷服务的不足,成为农村金融市场上比较理想的融资渠道。然而黑龙江省农村民间金融发展过程中存在运行不规范、风险巨大、管理混乱等问题,给农村金融体系的健康发展带来一定的风险。因此,加快黑龙江省农村民间金融发展对策的研究无疑具有极为重要的战略意义。 本文重点分析了黑龙江省农村民间金融的现状以及发展过程中存在的主要问题,分析了当前黑龙江省农村民间金融的主要影响因素。利用问卷调查法,随机对黑龙江省农村地区进行了民间借贷综合调研,并利用因子分析法对农村民间借贷影响因素进行了实证分析。再进一步借鉴国内其他地区农村民间金融发展经验,提出了有针对性的、切实有效地能够促进黑龙江省农村民间金融健康发展的对策建议。文章首先明确了选题的背景、目的和意义,比较系统地总结了农村民间金融的国内外研究状况,并指出了研究思路和方法。其次,从农村民间金融的相关理论入手,对农村民间金融的概念进行了界定,对农村民间金融的主要形式及其功能进行了分析阐述。同时,从农村民间借贷规模,农村民间借贷资金来源,农村民间金融主要存在形式,农村民间融资用途和农村民间借贷利率等几个方面,介绍了黑龙江省农村民间金融的发展现状,并把其主要问题归纳为：缺少法律约束,行为活动不规范；供求关系失衡,农村民间资金外流；缺乏监管措施,潜伏巨大风险；市场信用较差,借贷方式复杂。最后,针对黑龙江省农村民间金融存在的主要问题,根据黑龙江省农村民间金融的主要影响因素分析以及对黑龙江省农村民间金融的实证分析,借鉴国内其他地区农村民间金融发展经验,多角度、多层次地提出了促进黑龙江省农村民间金融健康发展的对策建议。
[Abstract]:Heilongjiang Province is a big agricultural province, the rural economy is one of the important parts of Heilongjiang Province economy. With the rapid development of rural economy in Heilongjiang Province, the demand for financial services in rural market is increasing day by day. However, the rural formal finance in Heilongjiang Province has strict control requirements, and it is difficult to meet the increasing demand for financial services in the rural market. However, the rural folk finance in Heilongjiang Province has made up for the shortage of the rural formal financial credit services in time. Become the more ideal financing channel on the rural financial market. However, there are some problems in the development of rural folk finance in Heilongjiang province, such as irregular operation, huge risk and chaotic management, which bring some risks to the healthy development of rural financial system. Therefore, it is of great strategic significance to speed up the development of rural folk finance in Heilongjiang Province. This paper focuses on the analysis of the current situation of rural folk finance in Heilongjiang Province and the main problems existing in the process of development, and analyzes the main influencing factors of rural folk finance in Heilongjiang Province at present. This paper makes a comprehensive investigation on folk lending in rural areas of Heilongjiang Province by means of questionnaire survey, and makes an empirical analysis of the influencing factors of folk lending in rural areas by factor analysis. Further drawing on the development experience of rural folk finance in other regions of China, the paper puts forward some countermeasures and suggestions that can effectively promote the healthy development of rural folk finance in Heilongjiang Province. At first, the paper clarifies the background, purpose and significance of the topic, systematically summarizes the domestic and foreign research situation of rural folk finance, and points out the research ideas and methods. Secondly, starting with the relevant theories of rural folk finance, this paper defines the concept of rural folk finance, and analyzes the main forms and functions of rural folk finance. At the same time, from the scale of rural private lending, the source of rural private lending funds, the main forms of rural folk finance, the use of rural folk finance and the rural private lending interest rate, etc. This paper introduces the present situation of rural folk finance in Heilongjiang Province, and summarizes its main problems as follows: lack of legal restraint, non-standard behavior, imbalance between supply and demand, outflow of rural folk funds, lack of supervision measures, and potential huge risks. The market credit is poor, the way of borrowing is complicated. Finally, in view of the main problems of rural folk finance in Heilongjiang Province, according to the analysis of the main influencing factors of rural folk finance in Heilongjiang Province and the empirical analysis of rural folk finance in Heilongjiang Province, Based on the development experience of rural folk finance in other regions of China, the countermeasures and suggestions to promote the healthy development of rural folk finance in Heilongjiang Province are put forward from various angles and levels.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
本文编号：2122225
[Abstract]:Heilongjiang Province is a big agricultural province, the rural economy is one of the important parts of Heilongjiang Province economy. With the rapid development of rural economy in Heilongjiang Province, the demand for financial services in rural market is increasing day by day. However, the rural formal finance in Heilongjiang Province has strict control requirements, and it is difficult to meet the increasing demand for financial services in the rural market. However, the rural folk finance in Heilongjiang Province has made up for the shortage of the rural formal financial credit services in time. Become the more ideal financing channel on the rural financial market. However, there are some problems in the development of rural folk finance in Heilongjiang province, such as irregular operation, huge risk and chaotic management, which bring some risks to the healthy development of rural financial system. Therefore, it is of great strategic significance to speed up the development of rural folk finance in Heilongjiang Province. This paper focuses on the analysis of the current situation of rural folk finance in Heilongjiang Province and the main problems existing in the process of development, and analyzes the main influencing factors of rural folk finance in Heilongjiang Province at present. This paper makes a comprehensive investigation on folk lending in rural areas of Heilongjiang Province by means of questionnaire survey, and makes an empirical analysis of the influencing factors of folk lending in rural areas by factor analysis. Further drawing on the development experience of rural folk finance in other regions of China, the paper puts forward some countermeasures and suggestions that can effectively promote the healthy development of rural folk finance in Heilongjiang Province. At first, the paper clarifies the background, purpose and significance of the topic, systematically summarizes the domestic and foreign research situation of rural folk finance, and points out the research ideas and methods. Secondly, starting with the relevant theories of rural folk finance, this paper defines the concept of rural folk finance, and analyzes the main forms and functions of rural folk finance. At the same time, from the scale of rural private lending, the source of rural private lending funds, the main forms of rural folk finance, the use of rural folk finance and the rural private lending interest rate, etc. This paper introduces the present situation of rural folk finance in Heilongjiang Province, and summarizes its main problems as follows: lack of legal restraint, non-standard behavior, imbalance between supply and demand, outflow of rural folk funds, lack of supervision measures, and potential huge risks. The market credit is poor, the way of borrowing is complicated. Finally, in view of the main problems of rural folk finance in Heilongjiang Province, according to the analysis of the main influencing factors of rural folk finance in Heilongjiang Province and the empirical analysis of rural folk finance in Heilongjiang Province, Based on the development experience of rural folk finance in other regions of China, the countermeasures and suggestions to promote the healthy development of rural folk finance in Heilongjiang Province are put forward from various angles and levels.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
【引证文献】
相关期刊论文 前1条
1 王娜;孙帮俊;;支持黑龙江省农村金融发展的财税政策分析[J];边疆经济与文化;2013年08期
，本文编号：2122225
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