黑龙江省涉农信贷发展问题研究

发布时间：2018-05-29 04:03

本文选题：涉农信贷 + 信贷模式　；参考：《东北农业大学》2017年硕士论文

【摘要】：2017年“中央一号”文件强调要不断深入农业供给侧改革,加速培育农村经济发展的新动能,为农村经济发展做出了新的政策指引。这是中央一号文件连续第15年重点锁定“三农”问题。随着《黑龙江省两大平原现代农业综合配套改革试验总体方案》、《黑龙江省农村承包土地的经营权和农民住房财产权抵押贷款试点实施方案》等农业政策的陆续出台,黑龙江省农业现代化发展进程不断加快,农业生产经营主体对于外部资金的需求也越来越大。尽管黑龙江省十分重视对农业的资金投入,但是涉农资金缺口仍然很大,资金匮乏严重制约了黑龙江省农业经济的发展。黑龙江省农业生产经营的资金主要依赖于金融支持,在金融支持方式中,涉农信贷占有重要地位,涉农信贷的完善是提高农业金融支持力度的必经之路。因此,本文剖析黑龙江省涉农信贷现状,对其存在的问题提出相应完善建议。本文对近年来国内外有关涉农信贷的研究进行梳理,奠定研究的理论基础;通过实地调研了解黑龙江省涉农信贷发展现状,对黑龙江省农业发展整体情况进行总结,从信贷供双方角度分析了黑龙江省涉农信贷发展现状,指出当前涉农信贷发展中存在的问题;通过博弈分析研究信贷双方在涉农信贷中的行为,对博弈结果进行分析,进而通过扩充涉农信贷的有效担保物、完善信用评估体系、调整信贷还款方式、拓宽涉农信贷利率、完善金融监管政策及公共服务体系、政府成立担保基金六个方面对黑龙江省涉农信贷提出完善建议。本文的研究有助于金融机构准确把握现阶段黑龙江省涉农信贷市场的发展趋势,提高涉农信贷质量,更大程度地满足农户和涉农企业的资金需求,促进黑龙江省农业稳定发展,为黑龙江省涉农信贷的进一步研究奠定基础。
[Abstract]:In 2017, the "Central Committee No. 1" document emphasized the need to continuously deepen the agricultural supply-side reform, accelerate the cultivation of new momentum of rural economic development, and make new policy guidelines for rural economic development. This is the first document of the Central Committee for 15 consecutive years to focus on the "three rural issues." Along with the overall plan for the comprehensive reform of modern agriculture in the two major plains of Heilongjiang Province, the agricultural policies such as the pilot implementation plan of the management right of rural contracted land and the housing property right of farmers in Heilongjiang Province have been published one after another. The development of agricultural modernization in Heilongjiang Province is speeding up, and the demand for external funds of agricultural production and management bodies is also increasing. Although Heilongjiang Province attaches great importance to the investment in agriculture, the shortage of funds restricts the development of agricultural economy in Heilongjiang Province. The funds of agricultural production and operation in Heilongjiang Province mainly depend on financial support. In the financial support mode, agricultural credit plays an important role. The perfection of agricultural credit is the only way to improve agricultural financial support. Therefore, this paper analyzes the current situation of agricultural credit in Heilongjiang Province, and puts forward corresponding suggestions to improve the existing problems. In this paper, the research on agricultural credit at home and abroad in recent years is combed in order to lay the theoretical foundation of the research; through field investigation to understand the current situation of agricultural credit development in Heilongjiang Province, the overall situation of agricultural development in Heilongjiang Province is summarized. This paper analyzes the current situation of agricultural credit development in Heilongjiang Province from the perspective of credit providers, points out the existing problems in the development of agricultural credit, studies the behavior of both sides of credit in agricultural credit through game analysis, and analyzes the game results. Then, by expanding the effective collateral of agricultural credit, perfecting the credit evaluation system, adjusting the way of credit repayment, widening the interest rate of agriculture-related credit, perfecting the financial supervision policy and public service system, The government set up guarantee fund in six aspects to improve the agricultural credit in Heilongjiang Province. The research in this paper is helpful for financial institutions to accurately grasp the current development trend of agricultural credit market in Heilongjiang Province, improve the quality of agricultural credit, meet the needs of farmers and agribusiness to a greater extent, and promote the stable development of agriculture in Heilongjiang Province. To lay a foundation for the further study of agricultural credit 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】：2017
【分类号】：F832.43

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