【摘要】：自實行家庭聯(lián)產(chǎn)承包制以來,我國農(nóng)業(yè)取得了較快的發(fā)展,擺脫了低效,低產(chǎn)的生產(chǎn)局面,農(nóng)民的生產(chǎn)積極性得到極大的提高,農(nóng)業(yè)發(fā)展相比過去取得了較大的進步。但是,光鮮的成績背后,掩蓋不了這樣一個事實,即農(nóng)村發(fā)展面臨的信貸不足問題一直沒能得到有效解決,農(nóng)民貸款難,融資難幾乎成為農(nóng)村經(jīng)濟發(fā)展的頑疾。吉林省作為我國重要的農(nóng)業(yè)省份之一,在農(nóng)村經(jīng)濟發(fā)展過程中也同樣遇到信貸不足問題,農(nóng)民貸款難、融資難的問題依然突出,依然沒能找到有效的解決途徑。正是在這樣的背景下,筆者借鑒當前農(nóng)地金融理論,積極探索破解信貸不足問題的辦法,并結合發(fā)展農(nóng)地金融的現(xiàn)實意義入手,確定本文的行文思路。本文以農(nóng)地金融相關理論作為研究基礎,運用文獻綜述法,調(diào)查問卷法和模型分析法,從制度創(chuàng)新角度得出構建以土地承包經(jīng)營權抵押貸款為特征的農(nóng)地金融制度。農(nóng)地金融制度的建立對于完善農(nóng)村信用機制,為農(nóng)業(yè)發(fā)展提供低成本的支農(nóng)資金,促進農(nóng)村土地市場流轉,培育完整的農(nóng)村土地市場等方面都具有非常重要的現(xiàn)實意義。 本文的主要內(nèi)容有以下幾個部分：第一部分為引言,在簡要的闡述本文的選題背景及研究意義的基礎上介紹國內(nèi)外關于農(nóng)地金融制度發(fā)展的相關理論研究,并給出本文的主要研究方案。第二部分為農(nóng)地金融制度理論及制度變遷,首先對農(nóng)地金融的相關概念進行界定,然后介紹本文在研究過程中需要用到的經(jīng)濟理論,最后闡述當前國內(nèi)農(nóng)地金融制度變遷情況。第三部分作為本文核心章節(jié)之一,主要是對吉林省構建農(nóng)地金融制度進行探討,首先,論述吉林省農(nóng)地金融發(fā)展現(xiàn)狀,側重在涉農(nóng)金融機構發(fā)展上；其次,介紹吉林省蛟河市,作為試點地區(qū),當前農(nóng)地金融業(yè)務開展情況；再次,從了解農(nóng)民意愿的角度出發(fā),通過問卷調(diào)查方式,收集農(nóng)民對開展農(nóng)地金融業(yè)務的態(tài)度等相關情況,并運用Logistic模型對調(diào)研數(shù)據(jù)進行分析整理,得出影響農(nóng)民意愿的因素,從而準確反映農(nóng)民對于開展農(nóng)地金融業(yè)務的態(tài)度；最后,通過對吉林省農(nóng)地金融發(fā)展現(xiàn)狀和對農(nóng)民抵押貸款意愿的實證分析,論述吉林省農(nóng)地金融發(fā)展的主要制約因素。 第四部分對國內(nèi)外農(nóng)地金融制度發(fā)展的實踐情況進行介紹,首先,舉例介紹發(fā)達國家開展農(nóng)地金融業(yè)務的情況,通過分析比較得出發(fā)達國家農(nóng)地金融制度的主要特征,其次,介紹國內(nèi)一些試點地區(qū)開展農(nóng)地金融業(yè)務的情況。第五部分亦是本文的核心章節(jié),在相關研究的基礎上,提出構建農(nóng)地金融制度的基本設想,首先,解決好影響農(nóng)地金融制度構建的一些前提條件；然后,提出適合吉林省省情的農(nóng)地金融組織體系,并對組織體系進行簡單的說明；最后,為保證農(nóng)地金融制度的良好運行,應構建一個支持體系,解決制度建立的后顧之憂。
[Abstract]:Since the implementation of the household contract system, agriculture in China has made rapid development, getting rid of the inefficient and low-yield production situation, farmers' enthusiasm for production has been greatly improved, agricultural development has made great progress compared with the past. However, behind the brilliant achievements, it is impossible to conceal the fact that the problem of insufficient credit in rural development has not been effectively solved, and the difficulty of farmers' loans and financing has almost become a stubborn disease of rural economic development. Jilin Province is one of the most important agricultural provinces in our country. In the process of rural economic development, Jilin Province also encountered the problem of insufficient credit, the difficulty of farmers' loans and the difficulty of financing, and still failed to find an effective way to solve the problem. It is under this background that the author draws lessons from the current theory of farmland finance, actively explores the ways to solve the problem of insufficient credit, and begins with the practical significance of developing agricultural land finance, and determines the thinking of this article. Based on the theory of agricultural land finance, this paper uses literature review method, questionnaire method and model analysis method to construct the farmland finance system characterized by mortgage loan of land contract management right from the angle of system innovation. The establishment of rural land financial system is of great practical significance in perfecting the rural credit mechanism, providing low cost fund for agricultural development, promoting the circulation of rural land market and cultivating a complete rural land market. The main contents of this paper are as follows: the first part is the introduction. On the basis of briefly expounding the background and significance of this paper, it introduces the relevant theoretical research on the development of agricultural land finance system at home and abroad. The main research scheme of this paper is also given. The second part is the theory and institutional change of farmland financial system. Firstly, it defines the related concepts of farmland finance, then introduces the economic theory that this paper needs to use in the research process, and finally expounds the current situation of the change of domestic farmland financial system. The third part, as one of the core chapters of this paper, mainly discusses the construction of farmland financial system in Jilin Province. Firstly, it discusses the current situation of agricultural finance development in Jilin Province, focusing on the development of agriculture-related financial institutions. Secondly, introduce Jiaohe City, Jilin Province, as a pilot area, the current agricultural land financial business development situation; Thirdly, from the angle of understanding farmers' will, through the way of questionnaire, collect the farmers' attitude to the development of rural land finance business, and use the Logistic model to analyze and sort out the survey data, and get the factors that affect the farmers' willingness. Thus accurately reflects the farmers' attitude towards the development of agricultural land finance business; Finally, through the empirical analysis of the present situation of the development of agricultural land finance in Jilin Province and the willingness of farmers to mortgage loans, the paper discusses the main restricting factors of the development of agricultural finance in Jilin Province. The fourth part introduces the practice of the development of the agricultural land financial system at home and abroad. Firstly, it introduces the situation of the agricultural land finance business in the developed countries with examples, and obtains the main characteristics of the agricultural land financial system of the developed countries through the analysis and comparison. Secondly, Introduce some pilot areas in China to carry out farmland finance business situation. The fifth part is also the core chapter of this paper, on the basis of relevant research, put forward the basic assumption of the construction of agricultural land financial system, first, to solve some of the preconditions affecting the construction of agricultural land financial system; Then, the paper puts forward the farmland financial organization system suitable for Jilin province, and gives a simple explanation of the organization system. Finally, in order to ensure the good operation of the farmland financial system, we should build a supporting system to solve the problems of the establishment of the system.
【學位授予單位】：吉林農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.7

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