河南省农村信用社支农业务发展研究

发布时间：2018-03-20 12:12

本文选题：支农业务　切入点：河南省农村信用社　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：2017年中央一号文件再次聚焦“三农”问题,这是党中央连续发出的第14个以“三农”为主题的中央一号文件,可见近年来党中央对“三农”问题的重视。河南省作为我国重要的农业大省,其农业的发展不仅对河南省经济的发展更对我国经济的发展具有重要的意义。但是,农业作为一种弱质性产业,其发展需要大量的金融资本的支持,而我国现阶段农民一直被排斥在金融体系之外。作为农村正规金融机构主力的河南省农村信用社近年来也在不断进行着商业化改制,改制后的农村信用社一方面面临着支持“三农”的政策性要求,另一方面又面临着股东对利润的追求,农村信用社改制后经营绩效提升的同时却面临着是否继续走支农道路、是否继续开展支农业务的抉择,这引发了学术界对于河南省农村信用社改制后能否继续开展支农业务的探讨。因此,研究河南省农村信用社改制成农村商业银行后是否存在着一条通过其支农业务的发展的实现其自身的可持续性发展的道路,对今后河南省农村信用社和农村经济的发展都具有重大意义。农村信用社发展支农业务是其实现自身发展的必然选择。首先,开展支农业务是农村信用社生存的基础,农村信用社产生于农村、服务于农村,其发展具有一定的路径依赖性。其次,城市金融机构已比较丰富,农村信用社的资金实力、管理水平和风险控制能力都与全国性的商业银行之间存在较大的差距,脱离农村进入城市开展业务难度很大。第三,政府对农村信用社的定位主要是服务于“三农”,且在十八届五中全会对于“十三五”规划的建议中,明确提出要发展普惠金融,着力加强对农村特别是贫困地区金融服务,这给予农村信用社一定的发展契机。而支农业务作为农村信用社自身发展的必然选择的同时也能够真正促进农村信用社的发展,即在理论上农村信用社的发展存在着一条通过发展支农业务使自身获得可持续发展的道路,该道路的实现需要满足一定条件:内部条件要求农村信用社自身的经营水平达到一定的层次,外部条件要求当地农村经济发展达到一定的水平。其后,在对河南省农村信用社的发展路径进行探究时,发现河南省农村信用社在2013年前的发展基本可以满足通过开展支农业务实现其自身的发展,但是这其中最主要的原因是2013年以前,国家财政对河南省农村信用社的优惠政策较多,财政对涉农贷款贴息使得河南省农村信用社的经营状况得到一定的改善,2013年后,政策性补贴相应减少,以河南省农村信用社目前开展支农业务的状况难以实现其自身的可持续发展,因此,最后对河南省农村信用社支农业务的发展提出一定的政策建议。
[Abstract]:2017 central document again focusing on "three rural issues", this is the Party Central Committee issued fourteenth consecutive to the "three rural" as the theme of the central document, seen in recent years, the Party Central Committee to the "three rural" issue. Henan province is one of China's important agricultural province, its agricultural development has not only important the significance of economic development in Henan province more on China's economic development. However, agriculture as a weak industry, its development requires a lot of financial capital support, but the present stage of our country farmers have been excluded from the financial system. As the rural formal financial institutions the main force of the rural credit cooperatives in Henan province in recent years also in the ongoing business restructuring, after the reform of rural credit cooperatives facing a policy to support the "three rural", on the other hand is faced with shareholders' pursuit of profit, the reform of rural credit cooperatives At the same time, after the improvement of management performance is faced with whether to go on the road of agriculture, whether to continue to carry out agriculture business decisions, which led to the academic discussion on the reform of rural credit cooperatives in Henan province will continue to carry out the agriculture business. Therefore, the rural credit cooperatives in Henan Province on restructuring into rural commercial banks after the existence of sustainable the development of a business through its agriculture development path, is of great significance for the future development of rural credit cooperatives in Henan province and the rural economy. The development of rural credit cooperatives in agriculture is the inevitable choice for the business of their own development. First, credit for agriculture is the basis for the survival of rural credit cooperatives, rural credit cooperatives in rural areas, services in rural areas, has a certain path dependence on the development of the city. Secondly, financial institutions have relatively abundant capital strength of rural credit cooperatives, There is a big gap between the management level and the ability of risk control and national commercial banks, from the countryside into the city to carry out business is very difficult. Third, the government of rural credit cooperatives is mainly in the service of "three rural", and in the fifth Plenary Session of the 18th CPC Central Committee the "13th Five-Year" plan, clearly put forward to the development of Inclusive Finance, to strengthen the rural financial services especially in poor areas, the rural credit cooperatives must give opportunity for development. The agriculture business as the inevitable choice of the rural credit cooperative's development also can really promote the development of rural credit cooperatives, which in theory on the development of rural credit cooperatives exist a business through the development of the agriculture get the path of sustainable development, the realization of the road needs to meet certain conditions: water management pingda internal conditions of rural credit cooperatives requirements To a certain level, the external conditions for the development of local rural economy reached a certain level. Then, to explore the development path of rural credit cooperatives in Henan Province, found in the development of rural credit cooperatives in Henan Province before 2013 to meet the basic business through the development of agriculture to realize its own development, but the main reason for this which is before 2013, the state finance to more preferential policies of rural credit cooperatives in Henan Province, the agricultural loans discount the Henan province rural credit cooperatives operating conditions can be improved, after 2013, the policy of subsidies reduced, it is difficult to carry out the rural credit cooperatives of Henan Province agriculture business situation to realize the sustainable development, the the result, finally puts forward some policy suggestions on the development of business of rural credit cooperatives in agriculture in Henan province.

【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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