新疆乌苏市农业信贷供需调查与研究
发布时间：2018-10-10 11:18
【摘要】：改革开放以来,我国经济迅猛发展,各行各业蓬勃发展,农村社会经济也紧跟前进的步伐稳步向前,农村经济由计划经济向市场化发展,农民生产生活较以前更丰富多彩,使得资金的支持对于农业和农民都异常重要,信贷资金运用到生活性消费、生产性消费和副生产消费中,老百姓对信贷资金的需求使得金融市场结构和信贷规模受到很大影响,特别是对农村金融市场的影响尤为突出,因此对于农村经济的长期稳定、持续发展也有深远影响。就目前农村金融信贷市场而言,供需双方并未完全匹配,不论是资金量还是信贷产品、服务方面。本文以新疆维吾尔自治区乌苏市的农业信贷供需状况作为调查对象,通过调查农民的家庭基本情况、信贷需求及现状,还有相关金融机构的统计数据及相关人员访谈,发现农民的资金需求量大,使用范围较传统信贷范围广,而且还存在乡镇企业的信贷。金融信贷供给机构在产品创新、因地制宜得服务农民等方面也存在问题。为此提出一点建议,希望能在基础层面对农村信贷市场有所帮助。
[Abstract]:Since the reform and opening up, China's economy has developed rapidly, various industries have flourished, and the rural social economy has moved steadily forward with the pace of advancement. The rural economy has developed from a planned economy to a market-oriented economy, and the peasants' production and life are more colorful than before. This makes the support of funds extremely important for both agriculture and farmers. The use of credit funds in living consumption, productive consumption and sub-production consumption has greatly affected the structure of the financial market and the scale of credit, as a result of the people's demand for credit funds. Especially the impact on rural financial market is particularly prominent, so it has far-reaching influence on the long-term stability and sustainable development of rural economy. As far as the current rural financial credit market is concerned, the supply and demand are not exactly matched, regardless of the amount of funds, credit products and services. This paper takes the situation of agricultural credit supply and demand in Wusu, Xinjiang Uygur Autonomous region as the object of investigation. By investigating the basic situation of farmers' families, credit demand and present situation, as well as the statistical data of relevant financial institutions and relevant personnel interviews, It is found that farmers' capital demand is large, the scope of use is wider than that of traditional credit, and there is credit for township enterprises. Financial credit supply institutions also have problems in product innovation and local service to farmers. Some suggestions are put forward to help the rural credit market at the basic level.
【学位授予单位】：新疆农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.43
本文编号：2261566
[Abstract]:Since the reform and opening up, China's economy has developed rapidly, various industries have flourished, and the rural social economy has moved steadily forward with the pace of advancement. The rural economy has developed from a planned economy to a market-oriented economy, and the peasants' production and life are more colorful than before. This makes the support of funds extremely important for both agriculture and farmers. The use of credit funds in living consumption, productive consumption and sub-production consumption has greatly affected the structure of the financial market and the scale of credit, as a result of the people's demand for credit funds. Especially the impact on rural financial market is particularly prominent, so it has far-reaching influence on the long-term stability and sustainable development of rural economy. As far as the current rural financial credit market is concerned, the supply and demand are not exactly matched, regardless of the amount of funds, credit products and services. This paper takes the situation of agricultural credit supply and demand in Wusu, Xinjiang Uygur Autonomous region as the object of investigation. By investigating the basic situation of farmers' families, credit demand and present situation, as well as the statistical data of relevant financial institutions and relevant personnel interviews, It is found that farmers' capital demand is large, the scope of use is wider than that of traditional credit, and there is credit for township enterprises. Financial credit supply institutions also have problems in product innovation and local service to farmers. Some suggestions are put forward to help the rural credit market at the basic level.
【学位授予单位】：新疆农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.43
【参考文献】
相关期刊论文 前3条
1 施婵娟;张文棋;;我国农村信贷供给及其效率研究[J];福建江夏学院学报;2012年02期
2 温波;;2009年新疆棉花种植效益及信贷资金支持情况调查[J];经济研究导刊;2011年05期
3 朱喜;李子奈;;改革以来我国农村信贷的效率分析[J];管理世界;2006年07期
，本文编号：2261566
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