苍南县农行面向中小农户集群融资方案的设计与实施

发布时间：2019-04-07 17:50

【摘要】：改革开放以来,中国经济迅猛发展。但是,占人口绝大多数的中国农村经济发展速度明显慢于城市,城乡收入差距不断拉大。发展落后的农村金融不适应农村经济发展的需要是中国农村经济发展缓慢的原因之一。自1996年农村金融市场改革以来,农村金融市场逐步形成了政策性银行、商业银行与合作银行并存的格局。但农村金融体系依然处于金融抑制之下,难以发挥有效配置农村资金的金融功能。随着2003年新一轮银行的改革,农村金融领域的改革突飞猛进,农行股改、农发行拓展业务成立,2006年农村金融“新政”实施,这些变化使得我国农村金融体系服务“三农”的能力得以提升。苍南农行作为中国农业银行的一个基层支行,在近几年的飞速发展中,为中小农户的借贷发展做出了突出贡献。随着经济社会的发展,普通的借贷方式已经难以适应市场的要求,其融资模式总是会遇到一些瓶颈,阻碍中小农户的发展,在一定程度上会阻碍社会主义市场经济的进程,一些国外的先进经验逐渐引入国内,特别是中小农户集群融资方案的实施,为中小农户的发展开辟了一个新局面。苍南农行为了积极鼓励中小农户发展,在融资中特别对这类中下农户集群融资给出了一些合理性的设计并投入实施中。本文主要论述了中小企业集群的概念和特征以及中小企业融资模式分析和中小企业融资方案的可行性分析等。对苍南中小农户借贷现状、农户金融需求现状进行了分析,接着是面向中小农户集群融资方案的设计与实施。主要从集群融资方案的额度、集群融资的客户、集群融资的利率以及集群融资的期限和偿还方式等进行说明。苍南农行对中小农户集群融资方案实施的保障要从优化业务流程、创新服务方式、防控信贷风险和强化考核激励等方面实施保障。
[Abstract]:Since the reform and opening up, China's economy has developed rapidly. However, China's rural economy, which accounts for the vast majority of the population, is significantly slower than that of the cities, and the income gap between urban and rural areas is widening. One of the reasons for the slow development of rural economy in China is that the backward rural finance does not meet the needs of rural economic development. Since the reform of rural financial market in 1996, the rural financial market has gradually formed the pattern of policy banks, commercial banks and cooperative banks. However, the rural financial system is still under financial restraint, it is difficult to play an effective role in the allocation of rural funds. With the new round of banking reform in 2003, the reform of the rural financial field has been advancing by leaps and bounds, the Agricultural Bank of China has been reformed, the Agricultural Development Bank has been established, and the "New deal" of rural finance has been implemented in 2006. These changes enable our country's rural financial system to serve the "agriculture, rural areas and farmers" ability to be enhanced. As a grass-roots branch of Agricultural Bank of China, Cangnan Agricultural Bank has made outstanding contribution to the loan development of small and medium-sized farmers in the rapid development in recent years. With the development of economy and society, it is difficult to adapt to the requirements of the market by ordinary means of lending. Its financing mode will always encounter some bottlenecks, hinder the development of small and medium-sized farmers, and to a certain extent, will hinder the process of socialist market economy. Some foreign advanced experiences are gradually introduced into China, especially the implementation of small and medium-sized farmers cluster financing scheme, which has opened up a new situation for the development of small and medium-sized farmers. In order to actively encourage the development of small and medium-sized farmers, Cangnan Agricultural Bank has given some rational design and put into practice in the financing of this kind of middle-and lower-level farmers cluster financing. This paper mainly discusses the concept and characteristics of SME cluster, the analysis of SME financing mode and the feasibility analysis of SME financing scheme. This paper analyzes the current situation of small and medium-sized peasant households' loan and financial demand in Cangnan, and then designs and implements the financing scheme for small and medium-sized farmers' cluster. It mainly explains the amount of cluster financing scheme, the customers of cluster financing, the interest rate of cluster financing, the term and repayment way of cluster financing, and so on. The guarantee of Cangnan Agricultural Bank to the small and medium-sized farmers cluster financing scheme should be carried out from the aspects of optimizing the business process, innovating the service mode, preventing and controlling the credit risk, and strengthening the assessment incentive and so on.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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