新农村建设下的农村信贷担保研究

发布时间：2018-04-17 23:03

本文选题：农村信贷 + 信贷担保　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：近年来,随着我国农村经济迅速发展,广大农村对资金需求日益增长,对金融服务的要求越来越高。我国经济改革和发展过程中,“三农”问题是社会始终关注的大问题,建设社会主义新农村和解决“三农”问题离不开农村金融的支持。金融信贷在加速农村资金循环融通,促进农户、农村企业与金融机构的良性互动,推动农村经济可持续发展方面均有非常重要的作用。经过多年努力,我国已初步形成了农村金融体系,但目前我国农村金融信贷担保体系仍不完善。由于农村资金外流严重、信用环境弱化、信贷担保物缺乏、农业保险发展滞后等诸多原因,农村信贷担保发展缓慢、甚至出现停滞状态。农村正规金融机构无法满足广大农村经济主体信贷需求,农村信贷呈现供需现状“有钱的贷不出,用钱的贷不到”的“两难”困境,信贷困境成为了制约我国农村经济稳定快速发展和农民增收的“瓶颈”。因此,如何引入适应当前农村金融信贷现实的信贷担保体系,对症下药的有效缓解农户与农村中小企业的融资难的困境,以产生更好的经济、社会效益,成为一个亟待解决的重要课题。本文从总结我国农村信贷供需现状出发,提炼了目前制约农村信贷担保发展的主要问题并针对性分析其有关政策、法律、经济等各方面原因,通过研究,结合国外农村信贷担保体制的经验,以我国农村发展的自身特点为基础,就如何进一步建立和完善农村信贷担保体系提出有关建议,最终实现一定程度上缓解农户和农村中小企业融资难的问题。本文首先系统的介绍信贷担保相关理论,包括信贷担保概念及担保形式等,并针对农村信贷担保的功能及作用简要说明；接着文章从农村信贷的供给组织和需求主体两个方面发展现状分析与评价,并归纳出我国农村信贷担保发展中存在的主要问题；然后运用比较分析法介绍了国外农村信贷担保实践与先进运作经验,指出政府支持、健全法律法规、农业保险机制等是其成功的重要因素,总结出外国农村信贷研究成果对我国农村信贷担保体系完善的启示；最后重点采用实证研究法和综合分析法,结合我国新农村建设的特色背景提出适用于我国农村信贷担保体系构建的改进对策。本文的研究目的,就是在新农村建设的大背景下,通过对目前我国农村信贷担保困境及成因的研究,借鉴国内外先进经验,提出适应我国农村社会经济特点的农村信贷担保建议。
[Abstract]:In recent years, with the rapid development of rural economy in China, the demand for capital is increasing day by day in the vast rural areas, and the demand for financial services is becoming higher and higher.In the process of economic reform and development of our country, the problem of "agriculture, countryside and farmers" is a big problem that the society has always paid attention to. The construction of new socialist countryside and the solution of the problem of "agriculture, countryside and farmers" can not be separated from the support of rural finance.Financial credit plays an important role in accelerating the circulation of rural funds, promoting the benign interaction between rural households, rural enterprises and financial institutions, and promoting the sustainable development of rural economy.After years of efforts, China has initially formed a rural financial system, but the current rural financial credit guarantee system is still imperfect.Due to the serious outflow of rural funds, the weakening of credit environment, the lack of credit collateral and the lag of agricultural insurance development, the development of rural credit guarantee is slow or even stagnant.The rural formal financial institutions can not meet the credit demand of the majority of rural economic subjects, and the present situation of supply and demand of rural credit is "money cannot be lent out, money cannot be lent" and "dilemma".Credit dilemma has become a bottleneck restricting the steady and rapid development of rural economy and increasing farmers' income.Therefore, how to introduce the credit guarantee system adapted to the current rural financial credit reality, and how to effectively alleviate the difficult financing difficulties of farmers and rural small and medium-sized enterprises, in order to produce better economic and social benefits,It has become an important subject to be solved urgently.This paper summarizes the current situation of rural credit supply and demand in China, abstracts the main problems that restrict the development of rural credit guarantee and analyzes the relevant policies, laws, economic reasons and so on.Based on the experience of foreign rural credit guarantee system and the characteristics of rural development in China, this paper puts forward some suggestions on how to further establish and perfect the rural credit guarantee system.Finally, to a certain extent to alleviate the farmers and rural small and medium-sized enterprises financing problems.Firstly, this paper systematically introduces the relevant theories of credit guarantee, including the concept and form of credit guarantee, and briefly explains the function and function of rural credit guarantee.Then the paper analyzes and evaluates the present situation of rural credit supply organization and demand main body, and sums up the main problems in the development of rural credit guarantee in our country.Then it introduces the foreign rural credit guarantee practice and advanced operation experience by means of comparative analysis, and points out that government support, perfect laws and regulations, agricultural insurance mechanism and so on are the important factors of its success.This paper summarizes the enlightenment of foreign rural credit research on the perfection of rural credit guarantee system in China. Finally, it focuses on empirical research and comprehensive analysis.Combining with the characteristic background of the new rural construction in our country, this paper puts forward the improvement countermeasures suitable for the construction of the rural credit guarantee system in our country.The purpose of this paper is to learn from the advanced experience at home and abroad by studying the predicament and causes of rural credit guarantee in China under the background of the construction of new countryside.This paper puts forward some suggestions of rural credit guarantee which can adapt to the social and economic characteristics of rural areas in China.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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