盘锦市农发行信贷支农问题研究

发布时间：2018-12-06 07:44

【摘要】：本论文在论述农业发展银行支农与农业发展银行支农业务发展相关理论的基础上，详细的对盘锦市农业发展银行支农的现状及发展过程中所存在的各种问题进行了分析和研究；以此为基础，充分结合现阶段盘锦市农业发展对信贷业务方面的一些要求及农业发展银行在构建新农村过程中所发挥的一些作用机制，在充满各种市场竞争的新形势下，对于农业发展银行而言，其如何通过最科学、最有效的信贷支农方式来推进农村社会经济的进一步发展，同时在该过程中创造更多的社会及经济效益，研究并设计出了相应的策略模式及相关保障措施。本课题在研究过程中将农业发展银行信贷支农的对象锁定在了广大农民及小型经营者身上，其信贷支农的领域不但包括发放贷款，同时也涵盖了贷款支付及存款等一些相关性服务。从短时间角度上分析，盘锦市农业发展银行信贷支农和农村社会经济间产生一些失衡现象，然而，，从长期角度来看，在我国农村社会经济的发展过程中，农业发展银行信贷支农将对其稳定、健康发展发挥着无法替代的作用。盘锦市农业发展银行在农业贷款发放的过程中并没有对当地农村社会经济产生较为明显的影响。盘锦市农业发展银行贷款在发放过程中应起到以下几个方面的作用：其一，充分优化当地资源配置；其二，最大限度的提高当地农村社会经济的增长，进而增加农民经济收入；其三，拉动内需，促进农业再生产；其四，基于科学方式提高农业生产技术。然而，在此过程中也存在各个方面的不足和缺陷。因此，我们在充分肯定农发行信贷支农所发挥的作用的基础上，应将改革的重点放在大力支持农业综合生产能力建设、大力支持农民持续较快增收、大力支持新农村建设、大力支持县域经济发展、大力支持农村社会服务体系建设及加强金融产品和服务方式的创新。
[Abstract]:On the basis of discussing the relevant theories of Agricultural Development Bank and Agricultural Development Bank, this paper analyzes and studies in detail the current situation and problems in the development process of Agricultural Development Bank of Panjin. On the basis of this, fully combining some requirements of Panjin city agricultural development on credit business at the present stage and some function mechanisms played by the Agricultural Development Bank in the process of constructing a new countryside, under the new situation full of various market competition, For the Agricultural Development Bank, how can it promote the further development of the rural social economy through the most scientific and effective way of supporting agriculture by credit, and at the same time create more social and economic benefits in the process? Research and design the corresponding strategy model and relevant safeguard measures. In the course of the research, the object of the Agricultural Development Bank's credit support for agriculture is locked on the farmers and the small operators. The fields of the credit support for agriculture include not only the granting of loans, It also covers related services such as loan payments and deposits. From a short time point of view, there is some imbalance between the credit support of Panjin Agricultural Development Bank and the rural social economy. However, in the long run, in the process of rural social and economic development in China, Agricultural Development Bank credit will play an irreplaceable role in its stability and healthy development. Panjin Agricultural Development Bank has no obvious influence on the local rural social economy in the course of agricultural loan issuance. Panjin Agricultural Development Bank loan should play the following roles in the process of issuing: first, optimize the allocation of local resources; second, maximize the growth of local rural social economy, and then increase the economic income of farmers; Third, stimulate domestic demand, promote agricultural reproduction; fourth, improve agricultural production technology based on scientific methods. However, in this process there are also shortcomings and defects in various aspects. Therefore, on the basis of fully affirming the role played by the Agricultural Development Bank's credit support to agriculture, we should focus our reform on supporting the construction of comprehensive agricultural production capacity, supporting farmers' sustained and rapid income growth, and vigorously supporting the construction of new rural areas. We should vigorously support the development of county economy, the construction of rural social service system and the innovation of financial products and services.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

【共引文献】