河北省丰宁县农业金融需求调研分析

发布时间：2019-07-06 11:44

【摘要】：农业是国民经济发展的基础,农业问题是关乎国计民生的大问题,因此我国历来非常重视农业的发展。而金融作为资源配置的一种有效方式对农业的发展起到至关重要的作用,从某种意义上说,农业发展的成败取决于金融的支持。目前我国正处于传统农业向现代农业的缓慢转型中,农业经营主体表现出多样性的金融需求,但是由于我国农村金融在支农过程中存在着金融体系不健全、信贷手续繁琐、涉农信贷产品单一、金融服务可得性缺乏等诸多问题,导致这种需求没有得到有效满足,而这已经成为阻碍我国农业发展的桎梏。基于此,本文从丰宁县农业发展中的金融需求状况入手,发现丰宁县农业发展中存在着中小农业企业融资难、农民专业合作社大额资金需求得不到满足、农民面临信贷约束等问题。针对这些问题,本文从理论层面和现实层面进行了分析,发现农村金融市场中的信息不对称问题是农业经营主体融资难的根本原因,而农业经营主体普遍缺乏合格抵押品,农村信用体系不健全等现实条件导致这种矛盾无法得到有效缓解,另外农业经营主体本身具有的弱质性、农业的高风险性以及县域缺乏金融配套措施、商业性金融机构乡镇网点少也加剧了农业经营主体的融资难题。因此缓解农村金融市场中的信息不对称成为解决农业经营主体融资难题的关键,对此本文提出构建农村信用系统、扩展抵押品、提升担保机构融资性担保能力来解决农村金融金融市场中的信息不对称问题,通过发展农业保险来降低农业固有的高风险,通过发展新型农村金融机构来从源头上增加农村金融市场供给的政策建议。
文内图片：

图片说明：丰宁县金融体系大地保险邮蓄银行
[Abstract]:Agriculture is the basis of national economic development, and agricultural problems are related to the national economy and people's livelihood, so our country has always attached great importance to the development of agriculture. Finance, as an effective way of resource allocation, plays an important role in the development of agriculture. In a sense, the success or failure of agricultural development depends on the support of finance. At present, our country is in the slow transformation from traditional agriculture to modern agriculture, and the main body of agricultural management shows diverse financial needs. However, due to the imperfect financial system, tedious credit procedures, single agricultural credit products, lack of availability of financial services and so on, this demand has not been effectively met, which has become a hindrance to the development of agriculture in our country. Based on this, this paper starts with the financial demand in the agricultural development of Fengning County, and finds that there are some problems in the agricultural development of Fengning County, such as the financing difficulty of small and medium-sized agricultural enterprises, the large capital demand of farmers' professional cooperatives can not be met, and the farmers are faced with credit constraints. In view of these problems, this paper analyzes these problems from the theoretical and practical levels, and finds that the information asymmetry in the rural financial market is the root cause of the financing difficulties of the agricultural management subjects, while the agricultural management subjects generally lack qualified collateral, the rural credit system is not perfect and other realistic conditions lead to this contradiction can not be effectively alleviated, in addition, the agricultural management subjects themselves have the weakness. The high risk of agriculture and the lack of financial supporting measures in counties, and the lack of township outlets of commercial financial institutions also aggravate the financing problems of agricultural management subjects. Therefore, alleviating the information asymmetry in the rural financial market has become the key to solve the financing problems of agricultural management subjects. In this paper, this paper proposes to construct rural credit system, expand collateral, enhance the financing guarantee ability of guarantee institutions to solve the problem of information asymmetry in rural financial market, and reduce the inherent high risk of agriculture through the development of agricultural insurance. Through the development of new rural financial institutions to increase the supply of rural financial market from the source of policy recommendations.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.7

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