潍坊市农村金融支农服务现状及发展研究

发布时间：2018-01-19 06:21

本文关键词： 农村金融信贷支持成因分析对策　出处：《山东农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：当前我国的经济发展已经进入到一个城乡结合的高速发展期的阶段,随着社会主义新农村的目标的提出,为实现这一目标农村金融部门的支持至关重要。近几年,针对农村金融应支持新农村建设的相关研究不断增多,但大多都是基于宏观层面的研究。然而,随着不同地域、区域特点,我国农村的发展具有极强的不平衡性,各地区的农业生产情况、农村经济水平及农村金融政策及金融支农程度的都不尽相同,为此,我国农村金融支持新农村建设应该从各地区的实际情况出发。本文就以研究对象定位潍坊市,以经济增长理论和金融发展理论为理论基础,通过对潍坊市农村金融改革和现状的分析,找出当前潍坊市农村金融发展存在的问题以及造成对潍坊市新农村建设支持不力的根本因素,然后再结合实证分析和国外的先进经验,给出如何促进潍坊市农村金融发展,对新农村建设提供有力支持的具体对策建议。造成潍坊市农村金融支持无力的因素主要有:政策性金融机构支农力度不够、商业性金融机构退出农村金融市场、民间金融活跃但缺乏必要的监管和保护,合作性金融机构(农村信用社)信贷资源有限,无法独立支撑;农村金融市场缺少有效的市场准入和退出机制,从而形成农村金融市场的垄断、缺乏竞争,农村金融发展没有良好的外部环境,主要是农村经济发展水平低,农村信用环境差等。根据本文研究所得出的结论和当前潍坊市农村经济的发展情况,并结合国外农村金融发展的先进经验,本文对潍坊市农村金融如何支持社会主义新农村建设给出了如下几点对策建议:一是建立健全相应的管理体制,具体可通过完善考核制度和制定尽职免责管理方法来实现;二是构建满足“三农”发展的农村金融体系,具体可以通过加大农行和农发行对三农的信贷投放力度和积极推动农信社向农村商业银行转型来实施;三是进一步加强农村金融体系建设,具体的措施可通过培育农村金融市场和发挥地方政府主导作用来实现。
[Abstract]:At present, China's economic development has entered a period of high-speed development of the combination of urban and rural areas, with the proposed goal of a new socialist countryside. In order to achieve this goal, the support of rural financial sector is very important. In recent years, the research on rural finance should support the construction of new countryside is increasing, but most of them are based on macro-level research. With the characteristics of different regions and regions, the development of rural areas in China has a strong imbalance, the agricultural production in different regions, the level of rural economy, the rural financial policies and the degree of financial support for agriculture are not the same. China's rural finance to support the new rural construction should start from the actual situation in various regions. This paper focuses on the research object of Weifang City, with the economic growth theory and financial development theory as the theoretical basis. Through the analysis of the rural financial reform and current situation of Weifang, the problems existing in the development of rural finance in Weifang and the basic factors causing the weak support for the construction of the new countryside in Weifang are found out. Then combined with empirical analysis and advanced experience of foreign countries, it gives how to promote the development of rural finance in Weifang. The main factors that cause the rural financial support powerless in Weifang are: the policy financial institutions are not enough to support agriculture, the commercial financial institutions withdraw from the rural financial market. Private finance is active but lacks necessary supervision and protection, cooperative financial institutions (rural credit cooperatives) credit resources are limited, can not be independently supported; The rural financial market lacks the effective market access and exit mechanism, thus forms the rural financial market monopoly, lacks the competition, the countryside finance development does not have the good external environment, mainly is the rural economy development level is low. The rural credit environment is poor. According to the conclusion of this study and the current development of rural economy in Weifang, combined with the advanced experience of foreign rural financial development. This paper gives the following countermeasures and suggestions on how to support the construction of new socialist countryside in Weifang rural finance: first, establish and perfect the corresponding management system. It can be realized by perfecting the examination system and establishing the method of duty exemption management. The second is to construct the rural financial system to satisfy the development of agriculture, rural areas and farmers, which can be implemented by increasing the credit of the Agricultural Bank of China and Agricultural Development Bank and actively promoting the transformation of rural credit cooperatives to rural commercial banks. Third, to further strengthen the rural financial system construction, specific measures can be achieved by cultivating rural financial markets and giving play to the leading role of local governments.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F327;F832.43

【参考文献】