黑龙江省HS市农信社信贷支农业务管理研究

发布时间：2018-05-26 17:57

本文选题：信用社 + 支农业务　；参考：《内蒙古财经大学》2017年硕士论文

【摘要】：近年来,我国坚持把解决好“三农”问题作为全党工作的重中之重,不断完善强农、惠农、富农政策体系。党的十八大强调坚持和完善农村基本经营制度,十八届三中全会进一步强调健全城乡发展一体化体制机制。金融是国家宏观经济调控的重要政策工具之一,农信社作为农村金融市场的主力军,在指导与监督社区经济发展、促进成员经济和社区社会进步、促进城乡中小企业发展等方面发挥着日益重要的作用。黑龙江省HS市是全省重要的农业城市和全国重要的商品粮基地、农牧产品基地和绿色食品基地,需要进一步加强其农信社信贷支农业务管理水平,为HS市发展地域经济、优化产业结构、向农业现代化、信息化发展提供金融支持。从农信社信贷支农业务管理基础理论入手,界定了农村信用社、农信社信贷支农业务的含义,以及金融抑制理论、金融创新理论和农村金融理论等农信社信贷支农业务管理的理论基础;运用文献研究法和比较分析法等研究方法,阐述HS市农信社的总体经营、支农产品、支农创新和信贷服务现状,揭示存在的信贷支农规模较小、信贷支农结构不佳、信贷支农产品较少、信贷支农效益较低和信贷风险监管弱化等问题,以及政府扶持资金有限、法律制度制约不力、人员素质有待提高、内部管理机制缺失和信贷风险意识不强等原因;在借鉴国内外金融机构支农业务管理经验的基础上,得出优化金融产品与服务供需结构、化立体化信用管理体系建设、扩大金融服务覆盖最大化效应和个性化服务对接不同客户需求等对HS市农信社信贷支农业务管理的启示;针对HS市农信社信贷支农业务管理的问题和成因提出坚持农村金融理念、创新信贷支农模式、优化信贷支农结构、加强金融风险监管和完善运营管理机制等对策,旨在提高支农业务管理水平。
[Abstract]:In recent years, our country insists on solving the "three rural issues" as the top priority of the whole party's work, and constantly consummates the policy system of strengthening agriculture, benefiting farmers and enriching peasants. The 18th National Congress of the Party emphasized upholding and perfecting the basic rural management system, and the third Plenary session of the 18th CPC Central Committee further emphasized the improvement of the integrated system mechanism of urban and rural development. Finance is one of the important policy tools of national macroeconomic regulation and control. As the main force of rural financial market, rural credit cooperatives (RCCs) are guiding and supervising the development of community economy and promoting the economic and social progress of their members. Promoting the development of small and medium-sized enterprises in urban and rural areas is playing an increasingly important role. As an important agricultural city in Heilongjiang Province and an important commodity grain base in the whole country, agricultural and animal husbandry products base and green food base, it is necessary to further strengthen the management level of agricultural credit support business of agricultural credit cooperatives in order to develop regional economy for HS city. Optimize industrial structure and provide financial support to agricultural modernization and informatization development. Starting with the basic theory of the management of the credit supporting agriculture business of the rural credit cooperatives, this paper defines the meaning of the rural credit cooperatives and the credit support business of the rural credit cooperatives, as well as the theory of financial suppression. Financial innovation theory and rural finance theory are the theoretical basis for the management of credit support business in rural credit cooperatives, and the general management and agricultural products of HS are expounded by the methods of literature research and comparative analysis. The present situation of supporting agriculture innovation and credit service reveals that the scale of credit supporting agriculture is relatively small, the structure of credit supporting agriculture is not good, the products of credit supporting agriculture are less, the benefit of credit supporting agriculture is low and the supervision of credit risk is weak, and the government supports funds are limited. On the basis of drawing lessons from the experience of domestic and foreign financial institutions in supporting agriculture business management, the legal system is weak, the quality of personnel needs to be improved, the internal management mechanism is lacking and the credit risk consciousness is not strong. The enlightenment of optimizing the supply and demand structure of financial products and services, building three-dimensional credit management system, maximizing the coverage of financial services and connecting different customer needs with individualized services, etc. Aiming at the problems and causes of the management of credit supporting agriculture business in HS, the paper puts forward some countermeasures, such as insisting on the rural finance idea, innovating the mode of credit supporting agriculture, optimizing the structure of credit supporting agriculture, strengthening the supervision of financial risk and perfecting the operation management mechanism, etc. In order to improve the level of management of agricultural support business.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

【参考文献】