基于現(xiàn)代農業(yè)的湖南農村信用社信貸產品創(chuàng)新研究
發(fā)布時間：2018-11-09 15:03
【摘要】：農業(yè)是人類衣食之源、生存之本,是一切生產的首要條件,是支撐國民經(jīng)濟建設與發(fā)展的基礎產業(yè)。世界著名經(jīng)濟學家舒爾茨曾提出了發(fā)展中國家的經(jīng)濟成長有賴于農業(yè)的迅速穩(wěn)定增長,而傳統(tǒng)農業(yè)不具備迅速穩(wěn)定增長的能力,出路在于把傳統(tǒng)農業(yè)改造為現(xiàn)代農業(yè),即實現(xiàn)農業(yè)現(xiàn)代化。2007年中央一號文件《中共中央國務院關于積極發(fā)展現(xiàn)代農業(yè)扎實推進社會主義新農村建設的若干意見》第一次正式提出了要發(fā)展現(xiàn)代農業(yè),并指出發(fā)展現(xiàn)代農業(yè)是社會主義新農村建設的首要任務。湖南是我國的農業(yè)大省,湖南農業(yè)現(xiàn)代化,對全國農業(yè)現(xiàn)代化目標的實現(xiàn)起著重要的作用。 現(xiàn)代農業(yè)擁有高產出的同時伴隨著高風險,需要高投入作為其發(fā)展的前提�，F(xiàn)代農業(yè)的發(fā)展離不開信貸資金的有效支持。從信貸支持業(yè)務來看,農村信用社占農村金融市場的主導地位。我國農村信用社目前主要的信貸產品是農戶小額信用貸款、農戶聯(lián)保貸款、抵押和質押貸款三類,其共同特點是貸款額度小貸款期限短,貸款用途單一難以滿足現(xiàn)代農業(yè)發(fā)展的需求。為了緩解和解決建設現(xiàn)代農業(yè)所面臨的面臨投入不足、資金分散等問題,促進農村生產發(fā)展,轉變農業(yè)增長方式,這就對農村信用社信貸產品的創(chuàng)新提出了新的思考方向。近年來湖南農村信用社根據(jù)現(xiàn)代農業(yè)發(fā)展的特點進行了信貸產品創(chuàng)新,取得了一定的成效,但創(chuàng)新力度仍不夠,不能跟上湖南信貸農業(yè)發(fā)展的步伐,應該進一步優(yōu)化現(xiàn)有信貸產品和創(chuàng)新的信貸產品,支持湖南現(xiàn)代農業(yè)又好又快發(fā)展。 本文首先從分析湖南現(xiàn)代農業(yè)的發(fā)展狀況入手,分析了湖南現(xiàn)代農業(yè)發(fā)展的現(xiàn)狀、特點及其對信貸資金的需求的要求,并根據(jù)湖南農村信用社現(xiàn)有信貸產品的特點分析了現(xiàn)有信貸產品對湖南現(xiàn)代農業(yè)發(fā)展信貸需求要求的適應性,得出湖南農村信用社信貸產品亟需創(chuàng)新的結論。其次從內部因素和外部因素兩個方面分析了湖南農村信用社信貸產品創(chuàng)的障礙,并從湖南省地方農村信用社信貸產品創(chuàng)新的創(chuàng)新之處和成效分析得到湖南農村信用社信貸產品創(chuàng)新的啟示。最后提出湖南農村信用社信貸產品創(chuàng)新方向分析及加快創(chuàng)新步伐的對策和建議。
[Abstract]:Agriculture is the source of human food and clothing, the basis of survival, the primary condition of all production, and the basic industry to support the construction and development of national economy. Schultz, a famous economist in the world, once pointed out that the economic growth of developing countries depends on the rapid and steady growth of agriculture, but the traditional agriculture does not have the ability to grow rapidly and steadily. The way out is to transform traditional agriculture into modern agriculture. That is, to realize the modernization of agriculture. In 2007, document No. 1 of the Central Committee of the CPC Central Committee and the State Council on actively developing Modern Agriculture and promoting the Construction of a New Socialist Countryside for the first time formally put forward the idea of developing modern agriculture. And pointed out that the development of modern agriculture is the primary task of socialist new rural construction. Hunan is a big agricultural province in China. Agricultural modernization in Hunan plays an important role in the realization of the goal of agricultural modernization in China. Modern agriculture has high output and high risk, which needs high input as the premise of its development. The development of modern agriculture can not be separated from the effective support of credit funds. From the credit support business, rural credit cooperatives play a leading role in rural financial markets. At present, the main credit products of rural credit cooperatives in China are small credit loans for peasant households, protection loans for farmers, mortgages and pledged loans. The common characteristics of these products are the short duration of small loans. The single use of loans is difficult to meet the needs of modern agricultural development. In order to alleviate and solve the problems faced by the construction of modern agriculture, such as insufficient investment and dispersion of funds, promoting the development of rural production and changing the mode of agricultural growth, this paper puts forward a new thinking direction for the innovation of credit products of rural credit cooperatives. In recent years, Hunan Rural Credit Cooperatives have carried out credit product innovation according to the characteristics of modern agricultural development, and have achieved certain results, but the innovation is still not enough to keep up with the pace of Hunan credit agriculture development. Existing credit products and innovative credit products should be further optimized to support the sound and rapid development of modern agriculture in Hunan. This paper begins with the analysis of the development of modern agriculture in Hunan Province, and analyzes the present situation, characteristics and requirements for credit funds of modern agriculture in Hunan Province. According to the characteristics of the existing credit products of Hunan Rural Credit Cooperatives, this paper analyzes the adaptability of the existing credit products to the demand for credit for modern agricultural development in Hunan, and draws the conclusion that the credit products of Hunan Rural Credit Cooperatives need to be innovated urgently. Secondly, it analyzes the obstacles to the creation of credit products of Hunan Rural Credit Cooperatives from two aspects: internal and external factors. From the innovation of credit products of local rural credit cooperatives in Hunan Province and the analysis of the results, the inspiration of credit product innovation of rural credit cooperatives in Hunan Province is obtained. Finally, the paper puts forward the analysis of innovation direction of credit products of Hunan Rural Credit Cooperative and the countermeasures and suggestions to speed up the innovation.
【學位授予單位】：湖南農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35
本文編號：2320752
[Abstract]:Agriculture is the source of human food and clothing, the basis of survival, the primary condition of all production, and the basic industry to support the construction and development of national economy. Schultz, a famous economist in the world, once pointed out that the economic growth of developing countries depends on the rapid and steady growth of agriculture, but the traditional agriculture does not have the ability to grow rapidly and steadily. The way out is to transform traditional agriculture into modern agriculture. That is, to realize the modernization of agriculture. In 2007, document No. 1 of the Central Committee of the CPC Central Committee and the State Council on actively developing Modern Agriculture and promoting the Construction of a New Socialist Countryside for the first time formally put forward the idea of developing modern agriculture. And pointed out that the development of modern agriculture is the primary task of socialist new rural construction. Hunan is a big agricultural province in China. Agricultural modernization in Hunan plays an important role in the realization of the goal of agricultural modernization in China. Modern agriculture has high output and high risk, which needs high input as the premise of its development. The development of modern agriculture can not be separated from the effective support of credit funds. From the credit support business, rural credit cooperatives play a leading role in rural financial markets. At present, the main credit products of rural credit cooperatives in China are small credit loans for peasant households, protection loans for farmers, mortgages and pledged loans. The common characteristics of these products are the short duration of small loans. The single use of loans is difficult to meet the needs of modern agricultural development. In order to alleviate and solve the problems faced by the construction of modern agriculture, such as insufficient investment and dispersion of funds, promoting the development of rural production and changing the mode of agricultural growth, this paper puts forward a new thinking direction for the innovation of credit products of rural credit cooperatives. In recent years, Hunan Rural Credit Cooperatives have carried out credit product innovation according to the characteristics of modern agricultural development, and have achieved certain results, but the innovation is still not enough to keep up with the pace of Hunan credit agriculture development. Existing credit products and innovative credit products should be further optimized to support the sound and rapid development of modern agriculture in Hunan. This paper begins with the analysis of the development of modern agriculture in Hunan Province, and analyzes the present situation, characteristics and requirements for credit funds of modern agriculture in Hunan Province. According to the characteristics of the existing credit products of Hunan Rural Credit Cooperatives, this paper analyzes the adaptability of the existing credit products to the demand for credit for modern agricultural development in Hunan, and draws the conclusion that the credit products of Hunan Rural Credit Cooperatives need to be innovated urgently. Secondly, it analyzes the obstacles to the creation of credit products of Hunan Rural Credit Cooperatives from two aspects: internal and external factors. From the innovation of credit products of local rural credit cooperatives in Hunan Province and the analysis of the results, the inspiration of credit product innovation of rural credit cooperatives in Hunan Province is obtained. Finally, the paper puts forward the analysis of innovation direction of credit products of Hunan Rural Credit Cooperative and the countermeasures and suggestions to speed up the innovation.
【學位授予單位】：湖南農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35
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