鄂尔多斯市金融支持现代农业问题研究

发布时间：2018-03-31 00:35

本文选题：金融支持　切入点：现代农业　出处：《西北农林科技大学》2015年硕士论文

【摘要】：多年来,我国高度重视“三农”问题。从各国经验来看,解决“三农”问题,关键是发展现代农业。金融支农作为助推“三农”发展的重要手段,在现代农业的发展中更起着不可代替的作用。农村金融机构发展、涉农贷款投入、农业保险制度等诸多因素,都在不同程度上影响着现代农业的发展空间和水平。如何提高金融支农服务水平,满足农业发展需要,提高农民收入,进而促进现代农业经济的发展,已经成为社会各界普遍关注的问题,金融支农如何更精准发力值得我们思考。本文写作中翻阅了大量国内外金融支持现代农业发展的相关文献资料及农村金融相关理论,通过六个章节的内容讲述了鄂尔多斯市金融支持现代农业中存在问题及原因分析,最后通过借鉴国际先进经验,总结出解决问题的政策建议。鄂尔多斯市是工业型城市,现代农业起步较晚,但前景广阔。从目前金融对现代农业的支持情况来看,鄂尔多斯市的金融支农资金投入在持续增长,但资金总量不足、金融支农信贷取得一定效果、金融支农政策框架基本形成、金融支农形式与时俱进,但相关产品创新滞后、农村金融生态环境建设也已经提上日程,可见,鄂尔多斯市的金融支农工作取得了一定的成绩。同时我们也发现了一些不足,金融支农资金总量不足、支农资金用途不规范、支农风险不可控、农村金融生态环境恶劣等问题的存在制约着金融支农工作的进展。究其根源,主要是由财政支农力度小,农业生产资金缺口只能由银行信贷来填补,导致金融支农压力加大、农村金融机构缺失及信贷产品陈旧等金融体系不完善问题突出、鄂尔多斯市到目前为止农业保险制度都不健全、农村信用体系建设落后等原因造成。美国给予农业发展充足的财政补贴、日本形成了健全的农村金融体系、德国金融支农组织先进、法国制定了完善的农业保险制度,这些国家的现代农业快速发展,为我国的金融支农工作提供了宝贵的经验。将这些经验与鄂尔多斯市的金融支农实际相结合,总结出大财政支农力度、完善农村金融体系、完善农业保险制度、健全农村信用体系这四个方面入手,解决鄂尔多斯市金融支持现代农业中存在的问题,推动鄂尔多斯农业经济快速发展。论文对于改善鄂尔多斯市农村金融服务现状,促进现代农业更好更快地的发展,提升鄂尔多斯市涉农金融机构的管理服务水平,推动鄂尔多斯市城乡一体化建设进程、产业转型升级、经济快速发展,具有一定实践意义。
[Abstract]:Over the years, China has attached great importance to the issue of "agriculture, countryside and farmers". From the experience of various countries, the key to solving the problem of "agriculture, rural areas and farmers" lies in the development of modern agriculture. Financial support for agriculture is an important means to promote the development of "three rural areas". It plays an irreplaceable role in the development of modern agriculture. The development of rural financial institutions, agricultural loan investment, agricultural insurance system, and many other factors, How to improve the level of financial support for agriculture, meet the needs of agricultural development, increase the income of farmers, and then promote the development of modern agricultural economy. Financial support for agriculture is worth our consideration. In this paper, we have read a large number of domestic and foreign financial support for modern agricultural development related literature and rural finance related theories. Through the content of six chapters, this paper describes the existing problems and causes in the financial support of modern agriculture in Ordos, and finally summarizes the policy suggestions for solving the problems by drawing lessons from international advanced experience. Ordos is an industrial city. Modern agriculture started late, but it has a bright future. Judging from the current financial support for modern agriculture, the investment of financial support for agriculture in Ordos is continuously increasing, but the total amount of funds is insufficient, and the financial credit for agricultural support has achieved certain results. The policy framework of financial support for agriculture is basically formed, the form of financial support for agriculture keeps pace with the times, but the innovation of related products lags behind, and the construction of rural financial ecological environment has also been put on the agenda. The financial support for agriculture in Ordos has made some achievements. At the same time, we have also found some shortcomings, the total amount of financial support for agriculture is insufficient, the use of financial support for agriculture is not standardized, and the risk of supporting agriculture is not controllable. The existence of rural financial ecological environment restricts the progress of financial support for agriculture. The root cause is that the financial support for agriculture is small, the gap of agricultural production funds can only be filled by bank credit, and the pressure of financial support for agriculture is increased. The lack of rural financial institutions and outdated credit products are outstanding problems in the financial system. So far, the agricultural insurance system in Ordos has not been perfect. The backward construction of the rural credit system resulted from the fact that the United States provided adequate financial subsidies for the development of agriculture, Japan formed a sound rural financial system, the German financial support organization was advanced, and France formulated a sound agricultural insurance system. The rapid development of modern agriculture in these countries has provided valuable experience for our country's financial support for agriculture. By combining these experiences with the actual situation of financial support for agriculture in Ordos City, we can sum up the great financial support for agriculture and improve the rural financial system. By perfecting the agricultural insurance system and perfecting the rural credit system, we can solve the problems existing in the financial support of modern agriculture in Ordos. To improve the present situation of rural financial services in Ordos, to promote the development of modern agriculture better and faster, and to improve the management and service level of agricultural financial institutions in Ordos. It is of practical significance to promote the process of urban and rural integration construction, industrial transformation and upgrading, and rapid economic development in Ordos.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.43;F327

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