基于涉农贷款与农业经济增长相关性分析的我国涉农贷款的发展问题研究

发布时间：2018-04-21 12:00

本文选题：涉农贷款 + 涉农贷款发展　；参考：《上海海洋大学》2014年硕士论文

【摘要】：在中国，农业是我国的重要经济产业，农业的发展是工业和服务业发展的基础和前提，只有农业发展的好，保障粮食的充足供应，才能解决我国13亿人口的吃饭问题，只有温饱问题解决了，才能考虑其他产业部门的发展，所以说农业是国民经济的一个重要战略产业，是是关系到国民经济能否健康快速发展的一条重要经济命脉。国家十二五规划对于农业发展的未来五年规划是始终坚持要转换农业的发展方式，坚持走农业现代化的道路，并且要注重实事求是，道路的选择要符合中国国情，确定中国特色化。当然，农业要发展对于资金的需求是非常大的，农民目前资金的来源除了依靠政府的政策性支持和自身储蓄能力外，大部分资金都只能依靠银行和非银行金融机构的贷款支持。所以无论从理论方面还是从实务操作方面来说，经济学专家们都非常热衷于探索农业金融对于农业经济增长之间的影响。从目前的研究现状来看，，合理的农业金融对于农业经济增长应该是促进作用，但是由于国家区域差异、研究角度不同、数据统计偏差等问题，导致研究结果千差万别。论文引言部分首先阐述了研究背景和研究目的，然后综述了国内外研究文献，并对国内外研究结果进行简要评述，在此基础上提出论文研究的角度和现实意义。最后根据研究内容设计论文的技术路线图，说明论文研究用到的研究方法。论文第二章主要是介绍了涉农贷款发展的相关概念及理论，主要是介绍了涉农贷款的含义和统计范畴，并从按用途分类、按城乡域分类、按承贷主体分类三个角度进行分类，其次还介绍了农业经济增长的概念和农业经济发展的区别，最后介绍了涉农贷款发展的相关理论依据。论文第三章主要是对涉农贷款与农业经济增长的现状及相关性进行分析。首先根据《金融年鉴》、《农业统计年鉴》等资料，整理出有效数据，以图表和文字结合的形式分析了涉农贷款和农业经济增长的现状，然后利用VAR模型实证分析了涉农贷款与农业经济增长的相关性，结论得出目前我国涉农贷款的单位变化对农业经济增长出现了负面影响论文第四章主要根据涉农贷款与农业经济增长实证研究的结论，结合涉农贷款与农业经济增长的现状，指出我国涉农贷款目前发展过程中所出现的问题，即正规金融机构的支持力度不够，非正规金融发展的法律依据不足，涉农贷款的信用担保体系不完善等问题。论文第五章根据目前我国涉农贷款在影响农业经济增长的过程中存在的问题，提出几点对策建议：大力发展涉农保险，分散农业信贷的信用风险；建立健全涉农贷款信用体系，加强农渔民的法律意识；探索抵押担保新途径，开发农业贷款新模式；灵活运用正规金融机构，规范发展民间金融。论文第六章主要是得出结论和指出改文章存在的不足之处。
[Abstract]:In China, agriculture is an important economic industry in our country, and the development of agriculture is the basis and prerequisite for the development of industry and services. Only if the development of agriculture is good and the adequate supply of grain can be guaranteed, can the problem of feeding the 1.3 billion people of our country be solved. Only when the problem of food and clothing is solved can the development of other industrial departments be considered. Therefore, agriculture is an important strategic industry of the national economy and an important economic lifeline related to the healthy and rapid development of the national economy. The 12th Five-Year Plan of the State for the next five years of agricultural development is to always insist on changing the mode of agricultural development, adhere to the road of agricultural modernization, and pay attention to seeking truth from facts, and the choice of the road should be in line with China's national conditions. To determine the characteristics of China. Of course, the demand for funds in agriculture development is very large. Besides the policy support and saving ability of the government, most of the funds can only be supported by loans from banks and non-bank financial institutions. Therefore, both theoretically and practically, economists are keen to explore the impact of agricultural finance on agricultural economic growth. From the current research situation, reasonable agricultural finance should promote agricultural economic growth. However, due to the differences of national and regional differences, research angles, data statistical deviation and other problems, the results of the research are very different. In the introduction part of the paper, the background and purpose of the research are introduced, and then the domestic and foreign research literature is summarized, and the research results at home and abroad are briefly reviewed. On this basis, the point of view and practical significance of the research are put forward. Finally, according to the content of the paper, the technical roadmap is designed to explain the research methods used in the paper. The second chapter mainly introduces the related concepts and theories of the development of agriculture-related loans, mainly introduces the meaning and statistical category of agriculture-related loans, and classifies them from three angles: the classification by use, the classification by urban and rural areas, and the classification by the principal part of credit. Secondly, it introduces the concept of agricultural economic growth and the difference of agricultural economic development, and finally introduces the relevant theoretical basis of agricultural loan development. The third chapter mainly analyzes the current situation and correlation between agricultural loans and agricultural economic growth. First of all, according to the financial yearbook, the agricultural statistics yearbook and other data, collate the effective data, and analyze the current situation of agricultural loans and agricultural economic growth in the form of a combination of charts and words. Then the correlation between agricultural loans and agricultural economic growth is empirically analyzed by using VAR model, and the conclusion is drawn that the unit change of agricultural loans in China has a negative impact on agricultural economic growth at present. In the fourth chapter, according to the conclusions of the empirical research on agricultural loans and agricultural economic growth, combined with the current situation of agricultural loans and agricultural economic growth, the paper points out the problems in the current development process of agricultural loans in China. That is, the support of formal financial institutions is not enough, the legal basis for the development of informal finance is insufficient, and the credit guarantee system of agriculture-related loans is not perfect. In the fifth chapter, according to the problems existing in the process of affecting the agricultural economic growth in our country, some countermeasures and suggestions are put forward: developing agricultural insurance vigorously, dispersing the credit risk of agricultural credit, establishing and perfecting the credit system of agriculture-related loans. To strengthen the legal consciousness of agriculture and fishermen, to explore new ways of mortgage guarantee, to develop a new mode of agricultural loan, to make flexible use of formal financial institutions and to standardize the development of private finance. The sixth chapter is to draw conclusions and point out the shortcomings of the article.
【学位授予单位】：上海海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.8;F832.43;F224

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