克孜勒苏柯尔克孜自治州金融支持农村经济发展问题研究

发布时间：2018-01-30 08:41

本文关键词： 克孜勒苏柯尔克孜金融支持农村经济发展　出处：《石河子大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村经济的发展是个世界性难题,在中国也不例外。要解决农村经济发展问题,除了政府的政策支持外,也离不开农村金融的支持。金融对农业的支持不仅仅体现在对农村经济发展中信贷资金的支持,还集中体现在对于农村基础经济建设的支持。2014年4月20日国务院下发了《金融支持三农发展的若干意见》,包括深化农村金融体制改革,大力发展农村,引导加大涉农资金投放,创新农村金融产品和服务方式,加大对重点领域的金融支持,稳步培育发展农村金融市场等。克州地处新疆西北部,是一个半农半牧的地区,农业基础薄弱,农村经济发展的水平较全疆有着较大的差距,再加之克州农村产业结构单一,属于经济欠发达地区,这在一定程度上制约了克州的农村经济发展。金融发展及金融深化理论是研究金融发展的主要理论,但对于发展中的中国来说,尤其是克州,由于二元经济的存在,有了一定的局限性;克州农村的需求主体主要有农户、涉农的中小企业以政府为代表的克州农村基础设施,他们的资金需求多用于生产经营。但目前克州各大商业银行在农村金融机构的收缩,致使金融机构的支持力度很难全部覆盖农村,农村金融供给存在较大的缺口,服务缺失严重,导致克州农村金融的支持及服务力度远远不能满足农村多层次、多样化的农村金融需求。金融支持如何更好的为克州农村经济发展提供服务,是本文研究的目的。为有效解决农村金融机构分布不合理、金融供给单一及过度的控制风险等问题,本文首先参考国内外关于农村金融与农村发展的相关研究,利用国内外相关金融支持经济发展理论,以克州金融支持和经济发展的实际情况为基础,结合农户调查问卷,对克州金融市场的供给主体、金融需求主体以及供求平衡进行分析,揭示出克州地区农村经济发展的金融支持存在诸如农村金融体制缺陷、农村金融市场产品单一、保险担保等法律法规的制约以及农村信用环境差等问题。针对以上问题,本文提出了切实有效的政策建议,应从完善金融组织体系建设、鼓励设立新型金融机构,建立金融风险担保基金、分散金融机构信贷风险,建立建全保险制度、降低农业灾害损失,构建金融人才支援机制等四个方面提高克州金融支持农村经济发展力度,为大力提升农村经济发挥更大地贡献。
[Abstract]:The development of rural economy is a worldwide problem, and it is no exception in China. In order to solve the problem of rural economic development, in addition to government policy support. Financial support for agriculture is not only reflected in the support of credit funds in rural economic development. In April 20th 2014, the State Council issued several opinions on financial support for the development of agriculture, rural areas and farmers, including deepening the reform of the rural financial system. We will vigorously develop rural areas, guide greater investment in agriculture-related funds, innovate rural financial products and services, increase financial support to key areas, and steadily foster and develop rural financial markets, etc. Kezhou is located in the northwest of Xinjiang. It is a semi-agricultural and semi-pastoral area with a weak agricultural foundation and a large gap in the level of rural economic development compared with the whole Xinjiang. In addition, Keshan's rural industrial structure is single and belongs to the economically underdeveloped region. The theory of financial development and financial deepening is the main theory to study financial development, but for developing China, especially Keshan. Due to the existence of dual economy, there are some limitations; The main demand of rural areas in the state is mainly farmers, agricultural small and medium-sized enterprises represented by the government in rural infrastructure. Most of their capital needs are used for production and operation. However, the current contraction of the major commercial banks in the state in rural financial institutions makes it difficult for financial institutions to fully cover the rural areas. There is a large gap in the rural financial supply and the lack of services leads to the support and service of rural finance in Keshan far from meeting the multi-level rural areas. Diversification of rural financial needs and financial support to better provide services for the development of rural economy is the purpose of this paper. In order to effectively solve the distribution of rural financial institutions unreasonable. Financial supply single and excessive control of risk and other issues, this paper first of all refer to the domestic and foreign related research on rural finance and rural development, using domestic and foreign related finance to support economic development theory. Based on the actual situation of financial support and economic development in the state of Croatia, combined with the questionnaire of farmers, this paper analyzes the main body of supply, the main body of financial demand and the balance of supply and demand in the financial market of the state of Croatia. It is revealed that the financial support for the rural economic development in the region of Keshan exists such as the defects of the rural financial system and the single product of the rural financial market. Insurance guarantee and other laws and regulations as well as the rural credit environment is poor. In view of the above problems, this paper puts forward practical and effective policy recommendations, which should be improved from the financial organization system construction. We should encourage the establishment of new types of financial institutions, establish financial risk guarantee funds, disperse the credit risks of financial institutions, establish a comprehensive insurance system, and reduce the losses of agricultural disasters. The construction of financial talent support mechanism and other four aspects to enhance the financial support for rural economic development, play a greater contribution to the promotion of rural economy.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F327;F832.43

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