Y县农村商业银行信贷支农业务问题研究

发布时间：2018-04-18 13:53

本文选题：农村商业银行 + 信贷支农　；参考：《广西大学》2017年硕士论文

【摘要】：“三农”问题一直是我国社会主义建设过程中的重要问题,加强金融对于“三农”的支持,有利于我国农村经济的增长。而随着新农村建设的不断推进,农村资金供求结构的变化,只有加强对于农村信贷资金的支持,才能更好的推进农村经济的发展。农村商业银行作为我国农村金融体系的主力军,其对于农村信贷的支持主要是以支农贷款的形式体现出来。文章前两个部分在总结、梳理国内外的研究成果的基础上,构建出理论框架,解释信贷支农的动因,同时为信贷支农在农村地区的产生和发展提供可行性和必要性的理论依据。第三部分,根据实地调研的数据,从微观角度对Y县农村商业银行信贷支农的状况进行分析,进而基于客户反馈的问卷调查,采用描述性统计分析,从贷款的可获得性、便利性、需求满足度、利息负担四个方面分析客户的反馈状况。结合两个层面的分析,分别从银行的角度和客户的角度,总结得出Y县农村商业银行信贷支农的状况。最后,分别从信贷支农力度偏小、成本偏高和风险水平偏大的角度,剖析导致该结果产生的原因,并且结合Y县当地的实际经济发展状况,从增大信贷规模、降低信贷成本、控制信贷风险和提高客户满意度四个方面,探讨提升信贷支农水平的对策建议。
[Abstract]:The issue of "agriculture, rural areas and farmers" has always been an important issue in the process of socialist construction in China. Strengthening the support of finance for "agriculture, rural areas and farmers" is beneficial to the growth of rural economy in our country.With the development of new rural construction, the structure of rural capital supply and demand changes, only by strengthening the support of rural credit funds, can we better promote the development of rural economy.Rural commercial banks as the main force of our country's rural financial system, its support for rural credit is mainly reflected in the form of agricultural loans.On the basis of summing up and combing the research results at home and abroad, the first two parts of the article construct a theoretical framework to explain the causes of credit support for agriculture, and at the same time provide the theoretical basis for the feasibility and necessity of the emergence and development of credit support agriculture in rural areas.The third part, according to the data of field investigation, analyzes the situation of credit supporting agriculture of rural commercial bank in Y county from the microcosmic angle, then based on the questionnaire survey of customer feedback, adopts descriptive statistical analysis, from the loan availability.Convenience, demand satisfaction, interest burden four aspects of customer feedback analysis.Combined with the analysis of two levels, from the point of view of banks and customers, the paper summarizes the situation of supporting agriculture by credit in rural commercial banks of Y county.Finally, from the angle of small credit support for agriculture, high cost and high risk level, this paper analyzes the reasons that lead to this result, and combines with the actual economic development of Y county, from increasing the credit scale, reducing the credit cost,Four aspects of controlling credit risk and improving customer satisfaction are discussed in order to improve the level of credit support for agriculture.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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