邮储银行新宾支行家庭农场金融支持研究

发布时间：2018-01-05 04:30

本文关键词：邮储银行新宾支行家庭农场金融支持研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：2013年,中央一号文件提出了“家庭农场”概念,自此以后,家庭农场在我国广大农村地区如雨后春笋般发展起来。家庭农场以其规模化、专业化、集约化、商品化的经营模式,更好地满足了我国对现代化农业发展的基本要求,符合我国国情和社会经济发展状况,能更好的促进农业现代化的发展。然而,从近几年的发展情况看,资金不足已成为制约我国家庭农场健康、可持续发展最主要的原因之一,破解家庭农场金融支持难题已刻不容缓。邮储银行是我国营业网点最多的正规金融机构,其网点遍布城乡,能够有效解决家庭农场金融支持“最后一公里”的难题。认真研究邮储银行家庭农场金融支持能够有效解决我国家庭农场融资难题,能够有效促进我国家庭农场持续发展,甚至对破解我国“三农”融资难题都能得到有益启示作用。本文选取了辽宁省抚顺市新宾县家庭农场金融支持作为样本开展研究,借鉴了国内外家庭农场相关研究成果,参考了国内外家庭农场金融支持模式,在充分调研新宾县家庭农场发展现状、金融供给及相关扶持政策等情况的基础上,结合邮储银行新宾支行现有家庭农场金融支持相关做法,提出了邮储银行新宾支行家庭农场金融支持方向与策略。本文以新宾县家庭农场发展现状分析入手,针对其现有的350个家庭农场开展大数据分析,对其经营规模、发展态势对比研究发现,新宾县域目前家庭农场尚处于发展阶段;在对新宾家庭农场现状分析的基础上,进一步分析了其金融需求及供给情况,家庭农场对资金的需求贯穿其经营项目始终,而资金供给方面在各大商业银行撤并农村网点后明显不足;在现有扶持政策配套不充分的情况下,新宾家庭农场经营举步维艰。特别是在获得金融支持方面,受到家庭农场自身运行机制不完善、有效押品不足,加之金融机构相应的信贷产品缺失等因素的影响,家庭农场获得正规金融支持的成功率较低,多以民间拆借解决资金难题,个别农场主甚至不惜高昂的融资成本从高利贷公司获得资金。融资成本普遍较高的情况下,进一步加剧了利润率本就很低的家庭农场经营窘境。可以说,新宾县家庭农场的运行现状是我国家庭农场整体运行状况的一个缩影,要确保这一刚刚起步的农业新型经营主体健康发展,就需要在政策配套、金融支持及自身机制建设等多方面加以完善。特别是金融支持不足,已成为困扰家庭农场继续向前发展的主要障碍。为有效破解家庭农场融资难题,本文提出在逐渐完善家庭农场运行机制的基础上,政府必须做好配套政策支撑,邮储银行也要在金融服务方式上予以创新。只有在家庭农场自身运行机制逐渐成熟、政府配套政策措施得当、金融机构服务创新到位的情况下,新宾县家庭农场才能得到健康、持续发展。
[Abstract]:In 2013, the central document proposed the "family farm" concept, since then, the family farm in rural areas such as the development of family farms like bamboo shoots after a spring rain. With its scale, specialization, intensive management mode, the commodity, to better meet the basic requirements of the development of modern agriculture in China. In line with China's national conditions and social economic development, to better promote the development of agricultural modernization. However, from the development situation in recent years, the shortage of funds has become the bottleneck of China's family farm health, one of the major reasons for the sustainable development of family farms, break the financial support problem has been urgent. The postal savings bank is the formal financial institutions China's largest business outlets, the outlets all over the urban and rural areas, which can effectively solve the family farm financial support to the "last mile" problem. Careful study of the postal savings bank financial family farm Support can effectively solve the financing problems of family farms in China, can effectively promote the sustainable development of family farms in China, and even to solve the rural financial problems can get beneficial inspiration. This paper selects the Fushun city of Liaoning Province Xinbin County family farm financial support as the research sample, from domestic and foreign related family farms with reference to domestic and foreign research results, the family farm financial support mode, development status in the full investigation of Xinbin County family farm, basic financial supply and the relevant supporting policies such as the postal savings bank, combined with the new Penn branch of the existing family farm financial support practice, put forward the postal savings Bank branch Xinbin family farm financial support direction and strategy in this paper. To the status quo of the development of family farms in Xinbin county are analyzed, based on the analysis of the existing 350 family farms to carry out large data, the operating rules Die, comparative research of development trend, the current family farm Xinbin county is still in the development stage; based on the analysis of the status quo of Xinbin family farm, further analyzes the financial demand and supply, demand for capital through the family farm management project, and the supply of funds in the commercial banks and rural outlets obviously inadequate; in the existing support policies are not sufficient, the new family farm management difficult. Especially in obtaining financial support by their family farm operation mechanism is not perfect, lack of effective collateral, coupled with the impact of relevant financial institutions lack of credit products and other factors, the family farm access to formal financial support success rate low, many private lending to solve the financial problems of individual farmers, even at the high cost of financing to obtain funds from usury financing companies. The cost is generally high, further exacerbated this is a very low profit margin of the family farm business dilemma. It can be said that the operation status of Xinbin County family farm is a microcosm of the overall situation in China in the family farm, to ensure the healthy development of the fledgling new agricultural business entities, we need policy support, improve financial support and its mechanism construction. Especially the lack of financial support, has become a major obstacle to the continued development of family farms. In order to effectively solve the financing problems of family farms, the base of the gradual improvement of the family farm operation mechanism, the government must complete the policy support, the postal savings bank will be innovation in financial service. Only in the family farm self operating mechanism gradually mature, the government policy measures, financial institutions a new place Under the condition of Xinbin County family farms can get healthy and sustainable development.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43;F324.1;F302.6

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