中国农业产业链融资发展问题研究

发布时间：2018-02-26 07:43

本文关键词： 农业经济产业链融资发展问题政策取向　出处：《东北师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：一直以来,“三农”问题都是政府工作的重心,2014年以来的政府工作报告也提出,在普惠金融的背景下,必须加快农村金融制度创新,促使银行等金融机构更好地履行服务、支持“三农”的职责。但目前,我国农村金融服务依然不能满足农户生产生活的需求,也未能满足国家农业产业化发展的要求。在我国,农业产业化仍处在初级阶段,发展尚不充分,农户为发展农业产业化而产生的资金缺口,难以通过传统的融资渠道获得。农业从业人口大,但分布高度分散,导致农业经营规模较小,集约化程度低;农业生产受季节约束,生产周期长,受环境影响因素大等因素也放大了银行贷款所面临的违约风险。而农业产业链融资作为金融创新,通过多年的发展,在国外已取得一定的理论成果和成功案例。农业产业链融资特有的联合增信模式,可以为缓解我国农户融资难提供一定的解决思路。除引言外,本文可分为三个部分:第一部分是解释农业产业链融资的相关概念和理论,介绍我国农业产业链融资发展现状,在此基础上阐述发展农业产业链融资的必要性。第二部分是重点论述农业产业链融资发展的制约因素。由于农业产业化程度不高、农产品价格易波动,核心企业实力不强等制约因素存在,目前农业产业链融资很难大规模开展。第三部分是提出相应的对策建议。针对第二部分所论述的制约因素,在当前普惠金融时代,如何充分发挥农业产业链融资对农业经济的带动效应,从而实现农村经济增长,需要政府政策的配合。
[Abstract]:All along, the issue of "agriculture, countryside and farmers" has always been the focus of government work. The report on government work since 2014 also pointed out that in the context of inclusive finance, it is necessary to speed up the innovation of the rural financial system and urge financial institutions, such as banks, to better perform their services. However, at present, rural financial services in China still cannot meet the needs of farmers' production and life, nor can they meet the requirements of the development of national agricultural industrialization. In our country, agricultural industrialization is still at an initial stage. The development is not enough, the fund gap produced by farmers to develop agricultural industrialization is difficult to obtain through the traditional financing channel. The agricultural employed population is large, but the distribution is highly dispersed, which leads to the small scale of agricultural management and the low degree of intensification. Agricultural production is restricted by seasons, has a long production cycle, and is greatly affected by environmental factors, which also magnify the risk of default faced by bank loans. As a financial innovation, agricultural industry chain financing has been developed for many years. Some theoretical achievements and successful cases have been obtained in foreign countries. The unique mode of joint credit enhancement in agricultural industry chain financing can provide some solutions to ease the difficulties of farmers' financing in China. This paper can be divided into three parts: the first part is to explain the related concepts and theories of agricultural industrial chain financing, introduce the current situation of agricultural industry chain financing development in China. On this basis, the necessity of developing agricultural industry chain financing is expounded. The second part focuses on the restricting factors of agricultural industry chain financing development. Because of the low degree of agricultural industrialization, the price of agricultural products fluctuates easily. At present, the financing of agricultural industry chain is very difficult to develop on a large scale. The third part is to put forward the corresponding countermeasures and suggestions. In view of the constraints discussed in the second part, in the current inclusive finance era, How to give full play to the driving effect of agricultural industry chain financing on agricultural economy and realize the rural economic growth need the cooperation of government policy.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F321;F832.43

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