广西农村信用社涉农贷款发展研究
发布时间：2019-03-16 11:21
【摘要】：农村金融是推动“三农”建设的重要支持力量,涉农贷款是农村金融的重要内容之一,也是衡量农村金融发展最重要的指标,涉农贷款在促进农村经济发展、推动农业产业升级、带动农民增收以及当前社会主义新农村建设等方面发挥不可替代的作用,同时,也是贯彻统筹城乡发展战略、发展现代农业的关键要素。对于广西这样一个地处欠发达地区的省份(自治区)来说,大力发展涉农贷款显得尤为重要,广西农村信用社是支持和服务广西“三农”的主力军,在新的形势下如何围绕“三农”服务为宗旨,大力发展涉农贷款,解决“三农”问题,成为一个值得研究的课题。 本文从涉农贷款的定义、种类和功能入手,介绍我国、广西涉农贷款发展情况,阐述广西农村信用社各项业务以及涉农贷款发展现状,重点分析广西农村信用社涉农贷款存在问题以及成因,并在借鉴国内一些外省信用联社支农经验基础上,结合广西农村信用社实际提出了广西农村信用社涉农贷款发展思路,提出一些建设性的措施和建议,最后,本文根据当前涉农贷款发展中的普遍性问题,提出了完善涉农贷款外部环境的政策建议。本文研究对于广西农村信用社在新形势下大力发展涉农贷款具有一定的现实指导意义,同时,对于完善现代银行业金融机构涉农贷款政策,提高涉农贷款管理理论水平,促进各银行业金融机构改变信贷投向结构,进一步加大涉农领域的信贷投放力度,确保农业、农村、农户信贷资金的有效供给,具有一定的理论价值和现实指导意义。
[Abstract]:Rural finance is an important supporting force to promote the construction of "agriculture, countryside", agriculture-related loan is one of the important contents of rural finance, and it is also the most important index to measure the development of rural finance. Agricultural-related loan is promoting the development of rural economy. It also plays an irreplaceable role in promoting the upgrading of agricultural industry, promoting the increase of farmers' income and the construction of a new socialist countryside. At the same time, it is also a key factor in carrying out the overall urban and rural development strategy and developing modern agriculture. For a province (autonomous region) located in an underdeveloped region such as Guangxi, it is particularly important to vigorously develop agricultural-related loans, and Guangxi Rural Credit Cooperative is the main force in supporting and serving the "three rural areas" in Guangxi. Under the new situation, how to develop agriculture-related loan and solve the problem of "agriculture, countryside and countryside" is a subject worthy of study around the purpose of "agriculture, countryside and agriculture" service. Starting with the definition, types and functions of agricultural loans, this paper introduces the development of agricultural loans in China and Guangxi, expounds the various services of Guangxi Rural Credit Cooperatives and the present situation of the development of agricultural loans. This paper focuses on analyzing the problems and causes of rural credit cooperatives' agricultural loans in Guangxi, and on the basis of drawing lessons from the experience of some foreign provincial credit cooperatives in supporting agriculture, and combining with the actual situation of Guangxi rural credit cooperatives, puts forward the thinking of the development of rural credit cooperatives' agricultural loans in Guangxi. Some constructive measures and suggestions are put forward. Finally, according to the universal problems in the development of agricultural-related loans, this paper puts forward some policy suggestions to improve the external environment of agricultural-related loans. The research of this paper has certain practical guiding significance for Guangxi Rural Credit Cooperatives to develop agriculture-related loans in the new situation, at the same time, it can improve the policy of agricultural-related loans of modern banking financial institutions and improve the theoretical level of agricultural-related loans management. It is of certain theoretical value and practical guiding significance to promote the banking financial institutions to change the structure of credit investment, to further increase the intensity of credit investment in agriculture-related fields, and to ensure the effective supply of credit funds in agriculture, rural areas and farmers.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43
本文编号：2441231
[Abstract]:Rural finance is an important supporting force to promote the construction of "agriculture, countryside", agriculture-related loan is one of the important contents of rural finance, and it is also the most important index to measure the development of rural finance. Agricultural-related loan is promoting the development of rural economy. It also plays an irreplaceable role in promoting the upgrading of agricultural industry, promoting the increase of farmers' income and the construction of a new socialist countryside. At the same time, it is also a key factor in carrying out the overall urban and rural development strategy and developing modern agriculture. For a province (autonomous region) located in an underdeveloped region such as Guangxi, it is particularly important to vigorously develop agricultural-related loans, and Guangxi Rural Credit Cooperative is the main force in supporting and serving the "three rural areas" in Guangxi. Under the new situation, how to develop agriculture-related loan and solve the problem of "agriculture, countryside and countryside" is a subject worthy of study around the purpose of "agriculture, countryside and agriculture" service. Starting with the definition, types and functions of agricultural loans, this paper introduces the development of agricultural loans in China and Guangxi, expounds the various services of Guangxi Rural Credit Cooperatives and the present situation of the development of agricultural loans. This paper focuses on analyzing the problems and causes of rural credit cooperatives' agricultural loans in Guangxi, and on the basis of drawing lessons from the experience of some foreign provincial credit cooperatives in supporting agriculture, and combining with the actual situation of Guangxi rural credit cooperatives, puts forward the thinking of the development of rural credit cooperatives' agricultural loans in Guangxi. Some constructive measures and suggestions are put forward. Finally, according to the universal problems in the development of agricultural-related loans, this paper puts forward some policy suggestions to improve the external environment of agricultural-related loans. The research of this paper has certain practical guiding significance for Guangxi Rural Credit Cooperatives to develop agriculture-related loans in the new situation, at the same time, it can improve the policy of agricultural-related loans of modern banking financial institutions and improve the theoretical level of agricultural-related loans management. It is of certain theoretical value and practical guiding significance to promote the banking financial institutions to change the structure of credit investment, to further increase the intensity of credit investment in agriculture-related fields, and to ensure the effective supply of credit funds in agriculture, rural areas and farmers.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43
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