太和县农村金融供需分析
发布时间：2018-11-15 17:02
【摘要】：中国是具有典型二元经济特征的国家,农村经济作为二元经济中的一元,在国民经济体系中占有重要地位。而农村金融作为农村经济的核心部分,它的发展水平更是关系着农村经济发展质量,农业产业升级优化,提升农村居民生活质量等多方面。在我国“三农”建设过程中,想要改善并最终解决农业产业瓶颈的矛盾,金融体系的完善发展是一个重要的方面。但是,如何有效得使农业部门高效率的运行,还要使金融体系得到合理的利润并有效发展,这种平衡关系值得研究。通过对农村金融需求和供给水平的调查,分析研究解决农村金融发展的困境,促进我国农村金融体系向着更加市场多元化以及规范法制化的方向蓬勃发展,对于提高农民生活水平,促进“三农”建设,具有深刻的理论和现实作用。总体上看,论文可以分为六个部分:第一部分是导论。导论主要阐述了论文研究的背景以及选择题目的意义、介绍了研究目的。分别从农户金融需求与供给,农村中小企业金融需求与供给两方面概括了国内外研究动态。并说明了论文的数据来源以及技术路线图,指出论文可能的创新之处以及需要继续改进的地方。第二部分是一些关于农村金融供给与需求相关的理论概述。包括二元经济结构理论,信息不对称理论,金融抑制与金融深化理论以及金融需求追随与供给领先理论。并将农村金融需求按照农户,中小企业分类。第三部分是对太和县农村经济与农村金融发展现状进行分析。站在太和县经济金融发展实际情况的角度上,分析太和县农村金融发展的总体情况,并指出了一些发展过程中存在的阻碍因素。第四部分是关于太和县农村金融实证分析。笔者通过实地问卷调查收集数据,对县域内农户、农村中小企业金融需求按照融资需求,融资渠道,融资环境三个层面进行统计和分析,同时对农村金融机构的部分情况进行了解,指出太和县农村金融供求表现出的一些问题。第五部分是对国外的农村金融服务体系进行概括,来发现有益于改善我国农村金融供求方向的途径。以美国,德国,孟加拉国为具体事例,通过对发达国家以及发展中国家的农村金融服务体系的分析,结合本国国情来分别借鉴经验。第六部分是促进太和县农村金融发展的建议。立足于太和县的实际情况,分别从政府支持角度,金融机构金融产品创新,环境宣传等角度提出了相关建议。
[Abstract]:China is a country with typical dual economic characteristics. As a single part of dual economy, rural economy plays an important role in the national economic system. Rural finance is the core part of rural economy, its development level is related to the quality of rural economic development, the upgrading and optimization of agricultural industry, the improvement of the quality of life of rural residents, and so on. In the process of the construction of agriculture, rural areas and farmers in China, it is an important aspect to improve and finally solve the contradiction of the bottleneck of agricultural industry. However, how to make the agricultural sector run efficiently, and how to make the financial system get reasonable profit and develop effectively, is worth studying. Through the investigation of rural financial demand and supply level, this paper analyzes and studies and solves the dilemma of rural financial development, and promotes the rural financial system of our country to develop vigorously in the direction of more diversified market and standardized legalization. It has profound theoretical and practical functions for improving the living standard of farmers and promoting the construction of agriculture, rural areas and farmers. Overall, the paper can be divided into six parts: the first part is an introduction. The introduction mainly describes the background of the paper and the significance of selecting topics, and introduces the purpose of the research. The research trends at home and abroad are summarized from the aspects of farmers' financial demand and supply, rural SMEs' financial demand and supply. The data source and technical roadmap of the paper are explained, and the possible innovations of the paper as well as the areas that need to be further improved are pointed out. The second part is about some theories about rural financial supply and demand. It includes dual economic structure theory, information asymmetry theory, financial suppression and financial deepening theory and financial demand follow and supply leading theory. And the rural financial needs according to farmers, small and medium-sized classification. The third part analyzes the present situation of rural economy and rural finance development in Taihe County. From the point of view of the actual situation of economic and financial development in Taihe County, this paper analyzes the overall situation of rural financial development in Taihe County, and points out some obstacles in the process of development. The fourth part is about Taihe County rural finance demonstration analysis. The author collects the data through the field questionnaire investigation, carries on the statistics and the analysis to the county area peasant household, the rural small and medium-sized enterprise financial demand according to the financing demand, the financing channel, the financing environment three levels, At the same time, some problems of rural financial supply and demand in Taihe County are pointed out. The fifth part is to summarize the rural financial service system in foreign countries, to find ways to improve the direction of rural financial supply and demand. Taking the United States, Germany and Bangladesh as concrete examples, through the analysis of the rural financial service system in developed and developing countries, we can draw lessons from the experience in combination with our own national conditions. The sixth part is the suggestion to promote the development of rural finance in Taihe County. Based on the actual situation of Taihe County, this paper puts forward some relevant suggestions from the angle of government support, financial product innovation of financial institutions, environmental propaganda and so on.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35
本文编号：2333894
[Abstract]:China is a country with typical dual economic characteristics. As a single part of dual economy, rural economy plays an important role in the national economic system. Rural finance is the core part of rural economy, its development level is related to the quality of rural economic development, the upgrading and optimization of agricultural industry, the improvement of the quality of life of rural residents, and so on. In the process of the construction of agriculture, rural areas and farmers in China, it is an important aspect to improve and finally solve the contradiction of the bottleneck of agricultural industry. However, how to make the agricultural sector run efficiently, and how to make the financial system get reasonable profit and develop effectively, is worth studying. Through the investigation of rural financial demand and supply level, this paper analyzes and studies and solves the dilemma of rural financial development, and promotes the rural financial system of our country to develop vigorously in the direction of more diversified market and standardized legalization. It has profound theoretical and practical functions for improving the living standard of farmers and promoting the construction of agriculture, rural areas and farmers. Overall, the paper can be divided into six parts: the first part is an introduction. The introduction mainly describes the background of the paper and the significance of selecting topics, and introduces the purpose of the research. The research trends at home and abroad are summarized from the aspects of farmers' financial demand and supply, rural SMEs' financial demand and supply. The data source and technical roadmap of the paper are explained, and the possible innovations of the paper as well as the areas that need to be further improved are pointed out. The second part is about some theories about rural financial supply and demand. It includes dual economic structure theory, information asymmetry theory, financial suppression and financial deepening theory and financial demand follow and supply leading theory. And the rural financial needs according to farmers, small and medium-sized classification. The third part analyzes the present situation of rural economy and rural finance development in Taihe County. From the point of view of the actual situation of economic and financial development in Taihe County, this paper analyzes the overall situation of rural financial development in Taihe County, and points out some obstacles in the process of development. The fourth part is about Taihe County rural finance demonstration analysis. The author collects the data through the field questionnaire investigation, carries on the statistics and the analysis to the county area peasant household, the rural small and medium-sized enterprise financial demand according to the financing demand, the financing channel, the financing environment three levels, At the same time, some problems of rural financial supply and demand in Taihe County are pointed out. The fifth part is to summarize the rural financial service system in foreign countries, to find ways to improve the direction of rural financial supply and demand. Taking the United States, Germany and Bangladesh as concrete examples, through the analysis of the rural financial service system in developed and developing countries, we can draw lessons from the experience in combination with our own national conditions. The sixth part is the suggestion to promote the development of rural finance in Taihe County. Based on the actual situation of Taihe County, this paper puts forward some relevant suggestions from the angle of government support, financial product innovation of financial institutions, environmental propaganda and so on.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35
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