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黑龙江省农民专业合作社金融支持研究

发布时间:2018-03-03 09:37

  本文选题:黑龙江省 切入点:农民专业合作社 出处:《东北农业大学》2014年硕士论文 论文类型:学位论文


【摘要】:自从改革开放以来,我国党和政府一直致力于推动农民专业合作社的发展,国家先后出台多项鼓励和扶持农民专业合作社发展的指导性意见和相关政策法规,促进农民专业合作社呈现快速发展态势。2004年以来,我国已经连续11年在“中央一号”文件中强调“三农”问题,并提出针对农民专业合作社发展的一些财政支持和金融支持政策,希望随着金融支持农民专业合作组织力度的持续增强,促进农民专业合作组织迅速发展,从而有效地提高了农民收入、推动了农村经济发展。自2007年7月1日《农民专业合作社法》颁布以来,黑龙江省农民专业合作社发展迅速壮大,取得了“量”和“质”的飞跃[18]。截止到2013年上半年,黑龙江省工商系统登记农民专业合作社38915户,发展成员36.04万个,出资总额达1020.81亿元,与上年同期相比分别增长55.37%、41.17%、94.61%。但是由于黑龙江省农业是弱质性产业,金融支持与农民专业合作组织发展现状还不能完全相适应,制约了农民专业合作组织进一步向高层次、规格化、专业化、产业化方向的发展,因此,加大金融对农民专业合作社的支持是十分必要的。 为此,本文试图以黑龙江省为例,通过对国内一些文献资料的归纳整理和实地调研,首先介绍了农民专业合作社及其金融支持的概念;其次通过对黑龙江省萝北县30家农民专业合作社的问卷调查及其他地区的资料分析,试图分析了当前黑龙江省农民专业合作社及其金融支持发展现状,并从农民专业合作社自身发展、金融机构、外部因素(担保风险机制及政府支持)三个方面来分析黑龙江省农民专业合作社金融支持的制约因素,这些因素主要包括合作社运作机制不规范、经营体系不健全、抵押物错位、担保风险转移机制不完善、政府支持力度不大等。通过对美国、印度、法国和德国等一些国家在金融支持农民专业合作社发展中所取得成就的经验介绍与学习,对黑龙江省的金融支持农民专业合作社也获得一些启示。最后本文结合我国国情、黑龙江省农村经济的发展要求及当前黑龙江省农民专业合作社金融支持存在的问题,从农民专业合作社自身、金融机构、外部因素(担保风险转移及政府财政支持)三个方面提出了完善黑龙江省金融支持农民专业合作社的相关建议与对策,一是完善农民专业合作社自身信贷条件;二是创新金融服务;三是建立风险担保转移机制;四是加大政府财政支持力度。
[Abstract]:Since the reform and opening up, our party and government have been committed to promoting the development of farmers' professional cooperatives, the state has issued a number of guiding opinions and related policies and regulations to encourage and support the development of farmers' professional cooperatives. Since 2004, China has emphasized the issue of "agriculture, rural areas and farmers" in the "Central Committee No. 1" document for 11 consecutive years. It also puts forward some financial support and financial support policies for the development of farmers' professional cooperatives, hoping to promote the rapid development of farmers' professional cooperative organizations with the continuous strengthening of financial support for farmers' professional cooperative organizations. Therefore, farmers' income has been raised effectively and rural economic development has been promoted. Since the promulgation of the "Law on Farmers' Professional Cooperatives" in July 1st 2007, professional farmers' cooperatives in Heilongjiang Province have grown rapidly. By the first half of 2013, 38915 farmers' professional cooperatives had been registered in Heilongjiang's industrial and commercial system, with 360,400 development members, with a total contribution of one hundred and two billion eighty-one million yuan. Compared with the same period of last year, the increase of 55.37% is 55.37%, 41.17% or 94.61%. However, because the agriculture of Heilongjiang Province is a weak industry, the current situation of financial support and the development of the farmer's professional cooperative organizations cannot be fully adapted, which restricts the peasants' professional cooperative organizations to further develop to a higher level. The development of standardization, specialization and industrialization, therefore, it is necessary to increase financial support to farmers' professional cooperatives. Therefore, this paper attempts to take Heilongjiang Province as an example, through the summary of some domestic literature and field investigation, first introduced the concept of farmers' professional cooperatives and their financial support; Secondly, through the questionnaire survey of 30 farmers' professional cooperatives in Luobei County, Heilongjiang Province and the analysis of the data in other regions, this paper tries to analyze the current situation of the development of farmers' specialized cooperatives and their financial support in Heilongjiang Province. And from three aspects of the development of farmers' professional cooperatives, financial institutions, external factors (guarantee risk mechanism and government support) to analyze the constraints of financial support of farmers' professional cooperatives in Heilongjiang Province. These factors mainly include the operation mechanism of cooperatives is not standardized, the management system is not perfect, the collateral is misplaced, the guarantee risk transfer mechanism is not perfect, the government support is not strong and so on. Through the United States, India, Some countries, such as France and Germany, have gained some enlightenment from their achievements in the development of financial support farmers' cooperatives. Finally, according to the situation of our country, the paper gives some enlightenment to the financial support farmers' professional cooperatives in Heilongjiang Province. The development requirements of rural economy in Heilongjiang Province and the problems existing in the financial support of farmers' specialized cooperatives in Heilongjiang Province at present, from the perspective of farmers' specialized cooperatives themselves and financial institutions, The external factors (transfer of guarantee risk and government financial support) put forward the relevant suggestions and countermeasures to improve the financial support of farmers' specialized cooperatives in Heilongjiang Province. The first is to perfect the credit conditions of farmers' specialized cooperatives; The second is to innovate the financial service, the third is to establish the risk guarantee transfer mechanism, and the fourth is to increase the government financial support.
【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】:F321.42;F832.35

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