长春市幸福乡农村信贷问题研究
发布时间：2018-11-15 13:28
【摘要】：随着市场经济的发展，金融在国民经济运行中发挥着越来越大的作用，逐渐成为现代经济的血液。农村经济能否与时俱进，农村金融的发展与之息息相关，，农村信贷是农村金融的发展的重要一环。本文选择的研究主体吉林省长春市幸福乡，是新型农业经济发展较快的乡镇之一，其对于农村信贷的需求与日俱增。本研究通过设计调查问卷对幸福乡的农户开展问卷调查，并结合对幸福乡农村信贷机构和农村经济主管部门的工作人员的访谈所获得的资料，分析幸福乡农村信贷发展现状。分析国外农村信贷发展并借鉴其发展的成功经验与教训，为幸福乡农村信贷发展存在问题提出合理对策和建议。 主要研究内容及结论如下： （1）首先，综述国内外有关农村信贷问题的研究现状，对农村信贷相关概念进行界定，以马克思的生息资本理论、农业融资理论和近年来较为公认的不完全竞争市场理论作为本文的理论基础。 （2）其次，通过设计、发放调查问卷的方法，共向幸福乡所辖的6个行政村发放132份问卷，获得一手调研资料。在回收的121份有效农户问卷的基础上，结合对乡内主要金融机构的访问，对幸福乡的信贷状况分别进行定性与定量分析。 （3）根据幸福乡农村信贷供给和需求的现状分析，发现幸福乡农村信贷供需明显失衡，存在适应性不强、效率低下，信贷制度的完备性亟待提高的矛盾与问题。 （4）总结发达国家美国、日本与发展中国家印度和孟加拉农村信贷事业发展的成功经验，并结合幸福乡实际情况，笔者认为幸福乡的农村信贷的优化发展需要在以下几方面作出努力：完善幸福乡农村信贷体系；营造优化农村信贷环境；开展转型培训，普及信贷知识等。
[Abstract]:With the development of market economy, finance plays a more and more important role in the operation of national economy and becomes the blood of modern economy. Whether the rural economy can keep pace with the times, the development of rural finance is closely related to it, rural credit is an important part of the development of rural finance. The main research subject of this paper is the happiness town of Changchun City of Jilin Province, which is one of the villages and towns with rapid development of new agricultural economy, and the demand for rural credit is increasing day by day. In this study, we designed a questionnaire to investigate the rural households in Happiness Township, and analyzed the present situation of rural credit development in Happiness Township with the data obtained by interviews with the staff of rural credit institutions and departments in charge of rural economy. This paper analyzes the development of rural credit in foreign countries and draws lessons from its successful experiences and lessons, and puts forward reasonable countermeasures and suggestions for the problems existing in the development of rural credit in Happiness Township. The main research contents and conclusions are as follows: (1) first of all, it summarizes the current research situation of rural credit at home and abroad, defines the related concepts of rural credit, and uses Marx's theory of interest-bearing capital. The theory of agricultural financing and the theory of imperfect competition market are the theoretical basis of this paper. (2) secondly, 132 questionnaires were distributed to 6 administrative villages under the jurisdiction of Happiness Township by designing and distributing questionnaires, and the primary investigation data were obtained. On the basis of 121 valid peasant household questionnaires and interviews with the main financial institutions in the countryside, the credit status of happiness villages is analyzed qualitatively and quantitatively. (3) based on the analysis of the present situation of rural credit supply and demand, it is found that the rural credit supply and demand are obviously out of balance, the adaptability is not strong, the efficiency is low, and the perfection of the credit system needs to be improved. (4) summing up the successful experiences of the developed countries, such as the United States, Japan and the developing countries, India and Bangladesh, and combining with the actual situation of Happy Countryside, The author believes that the optimization and development of rural credit in happiness township needs to make efforts in the following aspects: perfecting the rural credit system of happiness township; Create and optimize the rural credit environment; carry out transformational training; popularize credit knowledge and so on.
【学位授予单位】：吉林农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43
本文编号：2333438
[Abstract]:With the development of market economy, finance plays a more and more important role in the operation of national economy and becomes the blood of modern economy. Whether the rural economy can keep pace with the times, the development of rural finance is closely related to it, rural credit is an important part of the development of rural finance. The main research subject of this paper is the happiness town of Changchun City of Jilin Province, which is one of the villages and towns with rapid development of new agricultural economy, and the demand for rural credit is increasing day by day. In this study, we designed a questionnaire to investigate the rural households in Happiness Township, and analyzed the present situation of rural credit development in Happiness Township with the data obtained by interviews with the staff of rural credit institutions and departments in charge of rural economy. This paper analyzes the development of rural credit in foreign countries and draws lessons from its successful experiences and lessons, and puts forward reasonable countermeasures and suggestions for the problems existing in the development of rural credit in Happiness Township. The main research contents and conclusions are as follows: (1) first of all, it summarizes the current research situation of rural credit at home and abroad, defines the related concepts of rural credit, and uses Marx's theory of interest-bearing capital. The theory of agricultural financing and the theory of imperfect competition market are the theoretical basis of this paper. (2) secondly, 132 questionnaires were distributed to 6 administrative villages under the jurisdiction of Happiness Township by designing and distributing questionnaires, and the primary investigation data were obtained. On the basis of 121 valid peasant household questionnaires and interviews with the main financial institutions in the countryside, the credit status of happiness villages is analyzed qualitatively and quantitatively. (3) based on the analysis of the present situation of rural credit supply and demand, it is found that the rural credit supply and demand are obviously out of balance, the adaptability is not strong, the efficiency is low, and the perfection of the credit system needs to be improved. (4) summing up the successful experiences of the developed countries, such as the United States, Japan and the developing countries, India and Bangladesh, and combining with the actual situation of Happy Countryside, The author believes that the optimization and development of rural credit in happiness township needs to make efforts in the following aspects: perfecting the rural credit system of happiness township; Create and optimize the rural credit environment; carry out transformational training; popularize credit knowledge and so on.
【学位授予单位】：吉林农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43
【参考文献】
相关博士学位论文 前2条
1 刘雪莲;基于博弈论的中国农村小额信贷问题研究[D];东北农业大学;2009年
2 曾光;农村信贷担保的财政支持政策研究[D];东北财经大学;2012年
本文编号：2333438
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