呼和浩特市农村融资现状与农户信贷需求的调查研究
发布时间：2019-05-03 18:37
【摘要】：本文是通过对国内外研究基本理论的学习,在了解中国农村金融发展现状,农村经济以及农村的金融系统在历史的发展中的演变过程的基础上,对内蒙古自治区农村经济发展现状和农户在信用贷款的需求及农村在信用贷款的供求方面进行了调查和分析。多年以来,农业在国家经济之发展中具有了举足轻重的作用,但是农村经济的不足之处也越来越明显。在进入21世纪之后,特别是我国在加入世界贸易组织(WTO)之后,农业经济和新农村的建设发展也进入了一个新的发展阶段,进入了一个传统农业面临着挑战的时代,不管是农村经济增长,或是在提高农民的收入方面都成为国民经济中空前所有的的棘手问题,国民经济结构中农村部分该如何调整,农村的剩余人力的如何得到高效率的转移,如何进一步降低减轻农民的负担,例如财政税收等方面的措施,农村经济发展中农民的收入问题目前是中国经济的发展过程中面临的主要问题。二元金融结构下,农村资本的流动在农村经济的发展中也起到了非常重要的作用。农村地区的融资贷款的渠道仍然比较单一,但农村信贷的商业化趋势也日渐明显,目前农村金融不能负担农村经济发展和农业产业结构变形的重要责任。农村经济的发展必然离不开农村经济金融方面的协助。另一方面,国家三农的问题仍然非常严重,而且农村经济的发展仍然比较迟缓,其中的原因有很多方面,其中最主要的原因就是农村的信贷融资问题还没有得到最好的妥善缓解办法。特别是最近在农村融资资本市场的供求矛盾越演越烈,资金不足等问题的限制了农村经济的进步。由于农村经济发展和农村信贷融资的相关性以及重要性。农村经济的发展,农民的融资信贷需要就有必要得到满足,本文写作的目的在于依据相关理论基础对农村经济发展现状、内蒙古自治区农村金融发展现状、以及调研地即呼和浩特市周边农户信贷需求的分析研究,并且在当地的调查研究之后总结发现一系列的农村融资信贷问题,也对相应的问题提出了合理的矛盾弱化建议以及解决对策。
[Abstract]:Through studying the basic theories at home and abroad, this paper is on the basis of understanding the present situation of China's rural financial development, the rural economy and the evolution of the rural financial system in the history of the development of the process, The present situation of rural economic development in Inner Mongolia Autonomous region and the demand of farmers in credit loans and the supply and demand of credit loans in rural areas were investigated and analyzed. For many years, agriculture plays an important role in the development of national economy, but the deficiency of rural economy is more and more obvious. After entering the 21st century, especially after China's accession to the World Trade Organization (WTO), the agricultural economy and the construction and development of the new countryside have entered a new stage of development and entered an era in which traditional agriculture is facing challenges. Whether it is the growth of the rural economy or the improvement of the peasants' income, it has become an unprecedented thorny issue in the national economy, how to adjust the rural part of the national economic structure, and how to transfer the surplus manpower in the rural areas to a high efficiency. How to further reduce the burden of farmers, such as fiscal and tax measures, the income of farmers in rural economic development is currently the main problem in the process of China's economic development. Under the dual financial structure, the flow of rural capital also plays a very important role in the development of rural economy. The channel of financing loan in rural area is still relatively simple, but the commercialization trend of rural credit is becoming more and more obvious. At present, rural finance can not afford the important responsibility of rural economic development and agricultural industrial structure transformation. The development of rural economy is bound to depend on the assistance of rural economy and finance. On the other hand, the problem of agriculture, rural areas and farmers in the country is still very serious, and the development of the rural economy is still relatively slow, for many reasons. The main reason is that rural credit financing has not been the best way to alleviate the problem. Especially, the contradiction between supply and demand in the rural financing capital market has become more and more serious recently, and the shortage of funds has restricted the progress of rural economy. Due to the relevance and importance of rural economic development and rural credit financing. With the development of rural economy, it is necessary to satisfy the financing and credit needs of farmers. The purpose of this paper is to analyze the current situation of rural economic development and the present situation of rural financial development in Inner Mongolia Autonomous region according to the relevant theoretical basis. And the analysis and research of the rural households' credit demand around Hohhot City, and after the local investigation and research, summed up and found a series of rural financing credit problems. At the same time, the paper also puts forward some reasonable suggestions of contradiction weakening and solutions to the corresponding problems.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43
本文编号：2469164
[Abstract]:Through studying the basic theories at home and abroad, this paper is on the basis of understanding the present situation of China's rural financial development, the rural economy and the evolution of the rural financial system in the history of the development of the process, The present situation of rural economic development in Inner Mongolia Autonomous region and the demand of farmers in credit loans and the supply and demand of credit loans in rural areas were investigated and analyzed. For many years, agriculture plays an important role in the development of national economy, but the deficiency of rural economy is more and more obvious. After entering the 21st century, especially after China's accession to the World Trade Organization (WTO), the agricultural economy and the construction and development of the new countryside have entered a new stage of development and entered an era in which traditional agriculture is facing challenges. Whether it is the growth of the rural economy or the improvement of the peasants' income, it has become an unprecedented thorny issue in the national economy, how to adjust the rural part of the national economic structure, and how to transfer the surplus manpower in the rural areas to a high efficiency. How to further reduce the burden of farmers, such as fiscal and tax measures, the income of farmers in rural economic development is currently the main problem in the process of China's economic development. Under the dual financial structure, the flow of rural capital also plays a very important role in the development of rural economy. The channel of financing loan in rural area is still relatively simple, but the commercialization trend of rural credit is becoming more and more obvious. At present, rural finance can not afford the important responsibility of rural economic development and agricultural industrial structure transformation. The development of rural economy is bound to depend on the assistance of rural economy and finance. On the other hand, the problem of agriculture, rural areas and farmers in the country is still very serious, and the development of the rural economy is still relatively slow, for many reasons. The main reason is that rural credit financing has not been the best way to alleviate the problem. Especially, the contradiction between supply and demand in the rural financing capital market has become more and more serious recently, and the shortage of funds has restricted the progress of rural economy. Due to the relevance and importance of rural economic development and rural credit financing. With the development of rural economy, it is necessary to satisfy the financing and credit needs of farmers. The purpose of this paper is to analyze the current situation of rural economic development and the present situation of rural financial development in Inner Mongolia Autonomous region according to the relevant theoretical basis. And the analysis and research of the rural households' credit demand around Hohhot City, and after the local investigation and research, summed up and found a series of rural financing credit problems. At the same time, the paper also puts forward some reasonable suggestions of contradiction weakening and solutions to the corresponding problems.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43
【参考文献】
相关期刊论文 前1条
1 焦瑾璞;;探索发展小额信贷的有效模式[J];中国金融;2007年02期
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