【摘要】：進(jìn)入新世紀(jì)以后,我國(guó)金融業(yè)得到前所未有的發(fā)展。金融市場(chǎng)逐漸形成村金融市場(chǎng)與城市金融市場(chǎng)的二元市場(chǎng)體系,城市金融市場(chǎng)發(fā)展逐漸趨于完善,其利潤(rùn)空間逐漸降低,此時(shí)大力發(fā)展農(nóng)村金融市場(chǎng)對(duì)于金融機(jī)構(gòu)講就顯得格外重要。農(nóng)村金融市場(chǎng)建設(shè)關(guān)鍵在于農(nóng)村金融信用的建設(shè),由于傳統(tǒng)誠信因素的影響,農(nóng)村金融誠信建設(shè)還處于初級(jí)階段,因而缺乏誠信的現(xiàn)象廣泛存在,導(dǎo)致農(nóng)村金融市場(chǎng)發(fā)展緩慢。從農(nóng)村金融市場(chǎng)現(xiàn)狀來看,農(nóng)村居民收入來源相對(duì)單一,主要來源于農(nóng)產(chǎn)品的市場(chǎng)效益,然而這種效益受自然災(zāi)害、市場(chǎng)規(guī)律的影響嚴(yán)重；同時(shí)農(nóng)村居民缺乏必要的抵押物以獲取金融資金。除此之外,由于農(nóng)村金融市場(chǎng)發(fā)展還相對(duì)滯后,金融風(fēng)險(xiǎn)廣泛存在,對(duì)于希望依靠金融投資實(shí)現(xiàn)致富夢(mèng)想的農(nóng)村居民來講就成為最大的阻礙。 本文運(yùn)用實(shí)證分析和規(guī)范分析相結(jié)合、定性分析和定量分析相結(jié)合、文獻(xiàn)分析法等分析方法以廣東增城市農(nóng)村金融信用現(xiàn)狀及建設(shè)中存在的問題進(jìn)行深入的研究,以此來了解農(nóng)村金融信用的實(shí)質(zhì)及存在問題的原因,并在此基礎(chǔ)上提出提升農(nóng)村金融信用的可行性措施。首先本文對(duì)研究背景、意義及相關(guān)金融信用的理論進(jìn)行了剖析,從理論角度對(duì)農(nóng)村金融信用展開分析,為后文結(jié)合廣東增城市農(nóng)信信用的案例實(shí)證研究奠定了理論基礎(chǔ)。然后本文對(duì)廣東增城市農(nóng)信金融信用的現(xiàn)狀、問題及成因進(jìn)行研究,研究表明當(dāng)前廣東增城市農(nóng)村金融信用還存在金融信用缺失相對(duì)比較普遍、誠信意識(shí)較弱、法律意識(shí)較弱等問題,引起這些問題的影響因素相對(duì)比較復(fù)雜,包括社會(huì)因素、行政因素、農(nóng)村居民因素、行業(yè)因素等。最后,本文從政府角度、農(nóng)村社會(huì)環(huán)境角度、行業(yè)角度提出了具有一定實(shí)踐價(jià)值的對(duì)策建議。 本文相對(duì)系統(tǒng)的對(duì)當(dāng)前農(nóng)村金融信用理論進(jìn)行了梳理,同時(shí)結(jié)合實(shí)踐經(jīng)驗(yàn)對(duì)理論進(jìn)行了進(jìn)一步充實(shí)。在此基礎(chǔ)上,本文選擇廣東增城市為例進(jìn)行農(nóng)村金融信用探討,在一定程度上為推動(dòng)增城市農(nóng)村金融業(yè)的發(fā)展提供了一定的借鑒。除此之外,本文結(jié)合廣東增城農(nóng)村金融信用角度現(xiàn)狀,提出了具有一定現(xiàn)實(shí)意義的舉措,立體化的詮釋了農(nóng)村金融信用的影響因素,為政策制定者、金融從業(yè)者等提供了一定借鑒。
[Abstract]:After entering the new century, China's financial industry has been unprecedented development. The financial market has gradually formed a dual market system between the village financial market and the urban financial market. The development of the urban financial market has gradually become more and more perfect, and its profit space has gradually decreased. At this time, the development of rural financial markets for financial institutions is particularly important. The key to the construction of rural financial market lies in the construction of rural financial credit. Because of the influence of traditional credit factors, the construction of rural financial honesty is still in the primary stage, so the phenomenon of lack of good faith widely exists, which leads to the slow development of rural financial market. From the current situation of rural financial market, the income of rural residents is relatively single, mainly from the market benefits of agricultural products, but this benefit is affected by natural disasters and market laws. At the same time, rural residents lack the necessary collateral to obtain financial funds. In addition, because the development of rural financial market is still relatively lagging, the financial risk exists widely, which is the biggest obstacle for rural residents who want to rely on financial investment to realize their dream of becoming rich. This paper combines the empirical analysis with the normative analysis, the qualitative analysis with the quantitative analysis, the literature analysis method and so on, carries on the thorough research to the present situation of rural finance credit and the existing problems in the construction of Zengcheng City, Guangdong Province. In order to understand the essence of rural financial credit and the reasons for the problems, and on the basis of this, put forward the feasible measures to enhance rural financial credit. First of all, this paper analyzes the background, significance and related financial credit theory, and analyzes rural financial credit from a theoretical perspective, which lays a theoretical foundation for the case study of rural credit in Zengcheng city, Guangdong Province. Then this paper studies the current situation, problems and causes of the financial credit of agricultural credit in Zengcheng city, Guangdong province. The research shows that the financial credit in rural areas of Zengcheng city of Guangdong province is still lack of financial credit, and the sense of good faith is relatively weak. The influence factors that cause these problems are relatively complex, including social factors, administrative factors, rural residents' factors, trade factors and so on. Finally, this paper puts forward some practical suggestions from the angle of government, rural social environment and industry. This paper systematically combs the current rural financial credit theory, and further enriches the theory with practical experience. On this basis, this paper chooses Zengcheng city in Guangdong province as an example to discuss the rural financial credit, to a certain extent, it provides some reference for promoting the development of rural financial industry in Zengcheng city. In addition, this paper combines the current situation of rural financial credit in Zengcheng, Guangdong Province, and puts forward some practical measures, which explain the influencing factors of rural financial credit, and become policy makers. Financial practitioners and so on to provide certain reference.
【學(xué)位授予單位】：仲愷農(nóng)業(yè)工程學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.7

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本文編號(hào)：2423657