黑龙江省农村金融风险分担与补偿问题研究

发布时间：2018-03-02 19:13

本文选题：农村金融风险　切入点：风险分担与补偿　出处：《东北农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：黑龙江省农村金融风险缺乏有效的风险分担和补偿,阻碍了农村金融服务的发展,使农村经济的发展缓慢,虽然国家政策多次对三农问题做重要指示,但是由于农村金融交易条件不足,导致农村金融交易不足进而导致农村金融供给长期不足,金融机构大量退出,农村金融资源非农化趋势加剧,农村金融功能得不到发挥,使农村金融风险聚集,所以农村金融发展的首要问题就是完善风险的分担和补偿机制。本文根据提出问题到分析问题,然后解决问题提出对策的顺序的来论述,主要运用查文献,数据资料分析现状问题,运用博弈理论分析完善的风险分担与补偿对于农村金融参与主体策略选择的变化,结合相关理论基础为提出对策作支撑。完善的风险分担和补偿可以促进风险的分散、降低交易成本,促进农村金融的创新,农村金融交易不断扩张,加快资金的集中、流动、分配和再分配,促进农村经济的发展。本文首先对黑龙江省农村金融风险分担与补偿的相关概念作界定,阐述了相关理论：金融发展理论、金融体系风险分担与补偿理论、农村金融理论；接着利用数据图表分析黑龙江省农业保险、抵押担保、民间金融、政府财政对农村金融风险的分担与补偿现状及存在的问题,制度环境现状及问题,主要表现在：—是自然风险发生随机性大、频率高,农业保险市场及产品不完善：二是农产品价格风险使农产品价格波动频繁,影响农产品生产价格指数、农民人均收入;三是农村缺乏合格的抵押担保品阻碍了贷款者获得贷款；四是信息不对称使农村金融机构、保险机构发展缓慢；五是政府财政的补偿不到位、不合理,相对于灾害损失金额来说只是杯水车薪；六是法律制度滞后影响了农村金融的发展。然后再通过农村金融风险无外部分担与补偿下博弈分析、有保险机构参与风险分担的博弈分析、政府财政参与补偿的分析,比较农村金融参与主体在不同情况下的策略选择,分析如何建立合理的风险分担和补偿体系,使农村金融风险得到有效分担,促进农村金融发展,同时贷款者获得资金,扩大生产,促进农村经济的发展。最后根据风险分担补偿现状及问题和博弈分析结果从创新农村金融服务体制、政府财政建立差异化的外部补偿制度、推进农村金融环境制度建设三个方面提出完善黑龙江省农村金融风险分担与补偿的对策。
[Abstract]:The lack of effective risk sharing and compensation for rural financial risks in Heilongjiang Province hinders the development of rural financial services and slows the development of rural economy, although the state policy has made important instructions on the issue of agriculture, countryside and farmers many times. However, due to the shortage of rural financial transaction conditions, which leads to the shortage of rural financial transactions, the long-term shortage of rural financial supply, the withdrawal of a large number of financial institutions, the intensification of the trend of non-agricultural financial resources in rural areas, and the failure of rural financial functions, So the primary problem of rural financial development is to perfect the risk sharing and compensation mechanism. In this paper, according to the order in which the problem is put forward to the analysis problem, and then the solution is put forward, the author mainly uses the literature and data data to analyze the current situation. The game theory is used to analyze the change of the strategic choice of the rural financial participants by the perfect risk sharing and compensation, and the countermeasures are put forward based on the relevant theories. Sound risk sharing and compensation can promote risk dispersion, reduce transaction costs, promote innovation in rural finance, expand rural financial transactions, and accelerate the concentration, flow, distribution and redistribution of funds. Firstly, this paper defines the related concepts of rural financial risk sharing and compensation in Heilongjiang Province, and expounds the relevant theories: financial development theory, financial system risk sharing and compensation theory, rural financial theory; Then, the paper analyzes the current situation of agricultural insurance, mortgage guarantee, private finance and government finance to the rural financial risk sharing and compensation in Heilongjiang Province, and the existing problems, the current situation and problems of the system environment. The main manifestation is that the natural risk is random, the frequency is high, the agricultural insurance market and products are not perfect: second, the agricultural product price risk causes the agricultural product price to fluctuate frequently, affects the agricultural product production price index, the farmer per capita income; Third, the lack of qualified mortgage collateral in rural areas prevents borrowers from obtaining loans; fourth, asymmetric information causes rural financial institutions and insurance institutions to develop slowly; and fifth, government financial compensation is not in place and unreasonable. Compared with the amount of disaster losses, it is only a drop in the bucket; sixth, the legal system lags behind the development of rural finance. Then through the game analysis of rural financial risk without external sharing and compensation, There are insurance institutions involved in the risk sharing game analysis, government financial participation compensation analysis, the comparison of rural financial participants in different situations of the choice of strategies, analysis of how to establish a reasonable risk sharing and compensation system. To enable rural financial risks to be effectively shared, to promote rural financial development, and at the same time to provide lenders with funds to expand production, Finally, according to the current situation and problems of risk sharing compensation and the result of game analysis, the paper sets up a differentiated external compensation system from innovating rural financial service system and government finance. In order to improve the rural financial risk sharing and compensation in Heilongjiang province, three aspects of promoting the rural financial environment system construction are put forward.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7

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