黑龙江省农村金融资源配置研究

发布时间：2018-03-14 13:55

本文选题：农村金融　切入点：资源配置　出处：《东北农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国是传统的农业大国,农村金融作为农村经济的核心,为农村改革的发展提供了重要支持,取得很好的成效。2014年中央国务院发布的中央一号文件——《关于全面深化农村改革加快推进农业现代化的若干意见》提出：要加快农村金融制度创新、完善农业补贴政策等农村金融相关意见。从2004年起,中央一号文件连续11年锁定“三农”主题,有力地促进了农村改革和农业生产,给我国农村金融带来巨大的变化。2013年《黑龙江省“两大平原”现代农业综合配套改革试验总体方案》全面开展,拟推出创新农村金融产品和服务方式,建立涉农贷款抵押担保新机制,构建新型农业保险体系等与现代农村金融发展相关的改革事项,这标志着我国新一轮农村经济社会改革试验的大幕在黑龙江省率先拉开,黑龙江省农村金融工作呈现出新的发展面貌。虽然黑龙江省农村金融事业取得了长足发展,但农村金融发展也面临着诸多问题与挑战,农村金融资源的配置问题处于黑龙江省农村金融发展的核心位置,研究农村金融资源的配置问题迫在眉睫。本文采用实证分析与规范分析相结合、定性分析与定量分析相结合、文献研究与年鉴数据搜集分析相结合等方法,通过对国内外农村金融资源配置文献的述评,在梳理农村金融资源配置相关概念和基本理论的基础上,以黑龙江省为研究对象,对黑龙江省金融资源配置进行调查并对相关资料进行归纳总结,分析了黑龙江省农村资源配置效率的现状,通过相关数据整理与模型验证,建立了影响黑龙江省农村金融资源配置效率因素的Jeffrey Wurgle模型,并运用模型结果判断黑龙江省农村金融资源配置效率低,并以此剖析了黑龙江省农村金融资源配置存在的主要问题,提出了相应的对策与建议。研究表明：黑龙江省农村资源配置较低,在农村金融资源配置中仍存在着一些不容忽视的问题：涉农金融机构职能缺位,农村金融资源外流严重,支农融资渠道狭窄,农村金融涉农服务品种匮乏等问题影响了黑龙江省农村金融的快速发展。论文提出,要加强涉农金融机构的主体作用,建立农村金融资源回流机制,拓宽金融机构融资渠道,实现农村金融服务产品的多元化等对策,这是解决黑龙江省农村金融资源配置存在问题的根本出路。
[Abstract]:China is a traditional agricultural country. As the core of rural economy, rural finance provides important support for the development of rural reform. In 2014, the State Council issued the first document of the Central Committee, "some opinions on comprehensively deepening Rural Reform and speeding up Agricultural Modernization", which put forward the following: we should speed up the innovation of the rural financial system. Since 2004, the first document of the Central Committee has locked in the theme of "agriculture, rural areas and farmers" for 11 consecutive years, which has effectively promoted rural reform and agricultural production. In 2013, the "two Great Plains" of Heilongjiang Province "the two Great Plains" of modern agricultural comprehensive reform overall program was carried out in an all-round way, to introduce innovative rural financial products and services, The establishment of a new mechanism of agricultural loan mortgage guarantee, the construction of a new agricultural insurance system and other reform matters related to the development of modern rural finance indicate that the curtain of a new round of rural economic and social reform in China has been opened first in Heilongjiang Province. The rural financial work in Heilongjiang Province presents a new development. Although the rural finance in Heilongjiang Province has made great progress, the development of rural finance is also facing many problems and challenges. The allocation of rural financial resources is at the core of the development of rural finance in Heilongjiang Province, so it is urgent to study the allocation of rural financial resources. This paper combines empirical analysis with normative analysis, qualitative analysis with quantitative analysis, literature research with yearbook data collection and analysis, and reviews the literature on the allocation of rural financial resources at home and abroad. On the basis of combing the related concepts and basic theories of rural financial resources allocation, taking Heilongjiang Province as the research object, this paper investigates the allocation of financial resources in Heilongjiang Province and summarizes the relevant data. This paper analyzes the present situation of rural resource allocation efficiency in Heilongjiang Province, and establishes the Jeffrey Wurgle model which influences the factors of rural financial resource allocation efficiency in Heilongjiang Province through data collation and model verification. The model results are used to judge the low efficiency of rural financial resources allocation in Heilongjiang Province, and the main problems in the allocation of rural financial resources in Heilongjiang Province are analyzed. The research shows that the allocation of rural resources in Heilongjiang Province is relatively low, and there are still some problems that can not be ignored in the allocation of rural financial resources: the absence of functions of agriculture-related financial institutions and the serious outflow of rural financial resources. The narrow financing channels of supporting agriculture and the shortage of rural financial services have affected the rapid development of rural finance in Heilongjiang Province. This paper proposes that the main role of agricultural financial institutions should be strengthened and the mechanism of rural financial resources return should be established. Widening the financing channels of financial institutions and realizing the diversification of rural financial service products are the fundamental solutions to the problems existing in the allocation of rural financial resources in Heilongjiang Province.
【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】：F832.35

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