吉林省农村资金互助社发展战略研究

发布时间：2018-04-21 10:45

本文选题：农村资金互助社 + PEST分析　；参考：《吉林大学》2017年硕士论文

【摘要】：随着我国的经济飞速发展,农村地区的金融服务需求也逐渐增加,农民对于金融服务的需求也日趋旺盛。但是,农村的金融服务需求主体为大量分散的小规模农户,所从事的农业生产行业具有较高的自然风险和市场风险,且缺少有效贷款的抵押物,容易造成金融机构债权悬空,这也是目前各金融机构向农户或农村企业投放贷款意愿不强的原因,导致了目前我国农村地区的金融服务发展缓慢,对农村经济的发展需求不能提供有效支持。在这种背景下,吉林省自发的出现了新型的的农村金融互助组织,即本文研究的农村资金互助社。本文首先对战略理论进行了简要的概述,对农村资金互助社的国家政策背景、发展现状、组织结构和一些理论分析进行了简要的总结和描述。其次通过对吉林省农村区域的相关国家政策、农村金融经济的支持政策、人口、收入水平、消费构成、地区生产总值和就业人口等要素进行了分析,对吉林省农村资金互助社的宏观外部环境按照PEST模型进行了分析。在PEST分析的基础上,本文通过SWOT分析方法对互助社进行了定性的分析,并将定性分析结果与定量分析相结合,互相印证,得出发展中的各项优劣势、机遇以及威胁的定性分析结论。最后,通过对目前吉林省农村资金互助社的PEST和SWOT分析结论,提出目前我国农村资金互助社维持健康发展的战略方案设计。同时,本文提出了农村资金互助社的发展的困境,其优势很大程度上是由于没有合法地位、监管缺失等劣势和威胁所产生。随着国家政策的进一步完善,农村资金互助社的作用将会逐渐减弱。纳入监管之后,也会因为互助社其自身的劣势和局限性的问题而被其他金融机构的服务所取代。最后通过各个方面的分析,本文站在政府政策制定的角度,从最优化金融市场的方向上,提出了吉林省农村资金互助社的保障及相关风险防范措施。
[Abstract]:With the rapid development of China's economy, the demand for financial services in rural areas is increasing gradually, and the demand of farmers for financial services is also increasing. However, the main body of rural financial service demand is a large number of scattered small-scale farmers, engaged in agricultural production industry has a higher natural risk and market risk, and the lack of effective loan collateral, easy to cause financial institutions debt hanging, This is also the reason why the financial institutions are not willing to lend to farmers or rural enterprises at present, which leads to the slow development of financial services in rural areas, which can not provide effective support to the development needs of rural economy. In this context, Jilin Province spontaneously emerged a new type of rural financial mutual aid organization, namely, the rural fund mutual aid society studied in this paper. Firstly, this paper gives a brief overview of the strategic theory, and briefly summarizes and describes the national policy background, the current situation of development, the organizational structure and some theoretical analysis of rural mutual fund cooperatives. Secondly, through the analysis of the relevant national policies in rural areas of Jilin Province, the supporting policies of rural finance and economy, population, income level, consumption composition, regional GDP and employed population, etc. The macro external environment of Jilin Province Rural Fund Credit Association is analyzed according to PEST model. On the basis of PEST analysis, this paper makes a qualitative analysis of the mutual aid association by SWOT analysis method, and combines the qualitative analysis results with the quantitative analysis, and verifies each other, and obtains the advantages and disadvantages of the development. Qualitative analysis of opportunities and threats. Finally, by analyzing the conclusions of PEST and SWOT of Jilin Province Rural Fund Credit Association, the paper puts forward the strategic design of maintaining the healthy development of the Rural Fund Credit Society of our country at present. At the same time, this paper puts forward the dilemma of the development of rural mutual fund cooperatives, which is due to the disadvantages and threats, such as lack of legal status, lack of supervision and so on. With the further improvement of national policies, the role of rural mutual fund cooperatives will gradually weaken. After regulation, it will be replaced by the services of other financial institutions because of its own disadvantages and limitations. Finally, through the analysis of various aspects, this paper puts forward the guarantee and risk prevention measures of Jilin Province Rural Fund Mutual Assistance Society from the angle of government policy making and from the direction of optimizing financial market.
【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】：F832.35

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