我国农村信贷产品创新研究

发布时间：2018-03-02 12:25

本文选题：金融创新　切入点：农村金融　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：自2004年以来,我国历年“一号”文件,都是有关农村金融改革和农村增收的问题,由此可见,国家和各级政府对农村经济的发展倾注了极大心血。现阶段,基于促进我国“三农”发展的视角,研究农村信贷产品的创新是十分有意义的。我国农村的生产生活在这些年确实有了较大的改善,农村的经济发展也步入历史快车道。但农村金融改革作为农村经济发展的一部分,并没能保持和其他方面一样高速度的发展。其中,作为农村金融改革的重要载体,农村信贷产品创新工作进行得好坏会直接影响我国农村金融的发展,进而影响我国“三农”的建设。因此,如何促进我国农村的信贷产品创新工作是本文主要研究的问题。本文在结合了中外学者对农村信贷产品创新的各个方面研究的基础上,对我国农村信贷产品创新进行了研究。首先从农村信贷产品的概念及相关的金融创新理论入手,奠定本文的基本研究范围。对农村信贷及信贷产品创新的概念进行了详尽阐释,接着先后阐述了五种经典的金融创新理论如技术型金融创新理论、约束诱导型金融创新理论、制度型金融创新理论、规避型金融创新理论、交易成本创新理论,明确了金融创新的时代重要性。其次对我国现阶段农村信贷产品创新的现状进行了阐述,并详细介绍了我国近年出现的一些农村信贷创新产品。同时,通过对林权抵押贷款、丰收小额贷款卡、农户联保透支业务、未来收益权质押贷款等这几种典型的农村信贷创新产品进行案例分析,从不同角度展现出我国农村信贷产品创新的活力。再次对创新现状进行分析,透过现象看本质,揭示了我国农村信贷产品创新存在的问题,并从对国外农村信贷创新模式及创新产品进行梳理的过程中得到了启示。最后,针对我国农村信贷产品创新存在的包括信贷产品风险大、信贷产品创新与信贷实际需求不匹配、信贷产品创新受到制度约束等问题,提出了农村信贷产品的创新对策。
[Abstract]:Since 2004, the "No.1" document of our country has been all about rural financial reform and increasing rural income. It can be seen that the state and governments at all levels have devoted great efforts to the development of rural economy. At this stage, Based on the perspective of promoting the development of agriculture, rural areas and farmers, it is very meaningful to study the innovation of rural credit products. Rural financial reform, as a part of rural economic development, has not been able to maintain the same high rate of development as other aspects. Among them, as an important carrier of rural financial reform, The innovation of rural credit products will directly affect the development of rural finance in China, and then affect the construction of "agriculture, countryside and farmers". How to promote the innovation of rural credit products in China is the main problem of this paper. This paper studies the innovation of rural credit products in China. First of all, the concept of rural credit products and the related financial innovation theory are introduced to establish the basic research scope of this paper, and the concepts of rural credit and credit product innovation are explained in detail. Then five classical financial innovation theories, such as technical financial innovation theory, constraint induced financial innovation theory, institutional financial innovation theory, circumvention financial innovation theory, transaction cost innovation theory, are expounded successively. This paper clarifies the importance of the times of financial innovation. Secondly, it expounds the present situation of rural credit product innovation in China at present, and introduces in detail some rural credit innovation products that have appeared in China in recent years. A case study of these typical rural credit innovation products, such as bumper harvest micro-credit cards, peasant households' unsecured overdraft business, future income rights pledge loans, etc., This paper shows the vitality of the innovation of rural credit products from different angles, analyzes the current situation of innovation, and reveals the problems existing in the innovation of rural credit products in China through the phenomenon of essence. Finally, in view of the existence of rural credit product innovation in China, including the risk of credit products, credit product innovation and the actual demand for credit does not match. The innovation of credit products is restricted by system, and the innovation countermeasures of rural credit products are put forward.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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