基于现代化大农业的黑龙江省农村金融服务模式创新研究

发布时间：2018-05-12 15:05

本文选题：现代化大农业 + 农村金融服务　；参考：《哈尔滨商业大学》2017年硕士论文

【摘要】：在"两大平原"国家战略的背景下,国务院开展农业综合配套改革试验工作,并将黑龙江省划定为全国农业综合配套改革实验先行区。黑龙江省在农业方面处于全国领先地位,具有发展现代化大农业得天独厚的优势。黑龙江省现代化大农业的发展形成了以家庭农场、种养大户、农民合作社及农业龙头企业为主体的新型先进生产组织形式,形成以标准化、规模化生产,以及产业化经营为主导的现代化农业产业组织体系。新型农业经营主体的产生对于黑龙江省农业产业的增收有一定的促进作用。与此同时,黑龙江省现代化大农业发展也存在许多亟待解决的问题,其中农村金融服务模式与黑龙江省现代化大农业发展的对接问题尤为突出。本研究对国内外关于农村金融服务发展的相关文献进行整理,并对现代化大农业、农村金融服务以及模式创新的概念进行界定。结合黑龙江省农村金融服务模式对现代化大农业发展的支持情况,借助金融创新理论、金融市场理论、不完全竞争理论和交易成本理论等作为研究依据,运用多元线性回归模型,从黑龙江省农村地区的农业经营情况、农户收入水平、金融机构供给情况、资产投资水平、农村信用信息、财政支农及农业生产成本情况等方面出发,按农村经营主体的规模划分,分别对黑龙江省现代化大农业下的农村金融服务模式运营效果进行实证研究。进而基于农村金融服务对不同规模的农村经营主体的影响效果的不同,对黑龙江省农村金融服务模式进行创新:(1)提出建立合作联保组织的金融服务模式解决小规模农业经营者金融支持问题;(2)订单农业联合模式解决中等规模农业企业的金融支持问题;(3)以农业产业链金融模式满足规模较大的农业龙头企业对农村金融服务支持问题。论文从农村金融服务模式创新的角度出发,改善农村金融服务与黑龙江省现代化大农业对接水平。为解决农村金融服务模式对现代化大农业发展的支持问题提供依据。最后,为保证金融服务模式的有效运行,从政策和制度层面提出相应保障措施:(1)健全农业保险体系;(2)加强政府的引导支持作用;(3)改善农村金融环境。为黑龙江省现代化大农业下农村金融服务发展的政策制定提供理论支撑。
[Abstract]:Under the background of the national strategy of "Two Great Plains", the State Council carried out the experimental work of agricultural comprehensive supporting reform and designated Heilongjiang Province as the pilot area of the national agricultural comprehensive supporting reform. Heilongjiang province is in the leading position in agriculture and has the advantage of developing modern big agriculture. The modern big agriculture of Heilongjiang province is a big farmer. The development of the industry has formed a new advanced production organization with family farms, big farmers, farmers' cooperatives and agricultural leading enterprises as the main body, forming a modern agricultural industrial organization dominated by standardization, scale production and industrialization. The new type of agricultural management is produced for the agricultural industry in Heilongjiang province. At the same time, there are many urgent problems to be solved in the development of modern big agriculture in Heilongjiang Province, among which the problem of the docking of rural financial service mode and the development of modern big agriculture in Heilongjiang province is particularly prominent. The concept of modern big agriculture, rural financial service and model innovation is defined. With the support of the rural financial service model of Heilongjiang Province on the development of modern big agriculture, the theory of financial innovation, the theory of financial market, the theory of incomplete competition and the theory of transaction cost are used as the research basis, and the multiple linear regression model is used. Based on the agricultural management of rural areas in Heilongjiang Province, the income level of farmers, the supply of financial institutions, the level of capital investment, the rural credit information, the financial support for agriculture and the cost of agricultural production, according to the scale of the main body of rural management, the rural financial service mode under the modern agriculture of Heilongjiang province is carried out respectively. Based on the different effects of rural financial services on different scale rural management subjects, the rural financial service model of Heilongjiang province is innovated. (1) the financial service model of establishing cooperative joint insurance organization is proposed to solve the problem of small scale agricultural operators' financial support; (2) the joint model of order agriculture. To solve the financial support problem of medium scale agricultural enterprises; (3) to meet the problem of supporting rural financial services by the agricultural industry chain financial model. The paper will improve the level of rural financial services and the modernization of modern agriculture in Heilongjiang province from the perspective of rural financial service mode innovation. The village financial service model provides the basis for the support of the development of modern big agriculture. Finally, in order to ensure the effective operation of the financial service mode, the corresponding safeguard measures are put forward from the policy and the institutional level: (1) improving the agricultural insurance system; (2) strengthening the government's guidance and support role; (3) improving the rural financial environment. For the modernization of Heilongjiang Province The policy formulation of rural financial services development provides theoretical support.

【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

【参考文献】