【摘要】：長期以來,福建省農(nóng)村融資始終面臨著信貸支持少、信貸制度不合理、融資渠道狹窄、融資成本高的困境,造成這一困境的原因除了企業(yè)(農(nóng)戶)的自身因素外,還與金融機制和整體融資環(huán)境的制約密切相關。為緩解這一困境,國際經(jīng)驗和福建省部分地區(qū)的實踐經(jīng)驗均表明,推動農(nóng)村融資性擔保機構的發(fā)展,在參與金融交易的金融機構和農(nóng)村經(jīng)濟主體之間引入一個中介性質(zhì)的第三方擔保,在某種程度上有利于解決擔保約束問題,進而達到解決融資難的目的。因此,深入考察農(nóng)村信貸融資的擔保約束及當前福建省農(nóng)村融資性擔保機構的發(fā)展狀況,對推動我省農(nóng)村融資性擔保機構發(fā)展具有一定現(xiàn)實意義。 本文以福建省農(nóng)村融資性擔保機構為研究對象,從福建省縣村融資困境入手,深入剖析了發(fā)展農(nóng)村融資性擔保機構的必要性；進而對福建省農(nóng)村融資性擔保機構發(fā)展情況進行了詳細分析,對國家和福建省推動(農(nóng)村)融資性擔保機構發(fā)展的政策進行了梳理,由此歸納出福建省農(nóng)村融資性擔保機構存在的問題及制約因素；并在對國外融資擔保機構進行比較和借鑒、對我省寧德、三明兩地有代表性農(nóng)村融資性擔保機構典型案例進行分析總結(jié)的基礎上,提出了推動福建省農(nóng)村融資性擔保機構發(fā)展的對策建議。 本文采取的研究方法主要有以下幾類：(1)統(tǒng)計分析法。利用省級監(jiān)管部門的融資性擔保機構管理平臺網(wǎng)絡,對我省融資性擔保機構、農(nóng)村融資性擔保機構基礎數(shù)據(jù)和運行情況進行統(tǒng)計分析。(2)問卷調(diào)查法。通過發(fā)放調(diào)查問卷的方式,了解我省農(nóng)村融資性擔保機構基本情況、存在的問題。(3)文獻分析法。主要用于對國內(nèi)外有關融資擔保機構(機制)進行研究綜述,對國家及福建省支持農(nóng)村融資性擔保機構發(fā)展的政策進行歸納總結(jié)。(4)對比研究法。對美國、德國、日本三國的融資擔保機制進行詳細的對比分析。(5)案例分析法。對寧德、三明兩地比較有代表性的農(nóng)村融資性擔保機構案例加以分析總結(jié)。 本文通過系統(tǒng)分析而形成的結(jié)論主要有以下幾個方面： 第一,在對福建省縣村融資的困境和成因進行分析,并對融資性擔保機構在緩解縣村融資困難方面所起的作用進行歸納的基礎上,提出福建省發(fā)展農(nóng)村融資擔保機構的必要性。 第二,在對福建省農(nóng)村融資性擔保機構發(fā)展現(xiàn)狀進行研究的基礎上,總結(jié)福建省農(nóng)村融資性擔保機構發(fā)展的成效,并提出其存在的主要問題及制約因素。 第三,在比較借鑒國外經(jīng)驗及本省典型案例經(jīng)驗的基礎上,提出推動福建省農(nóng)村融資性擔保機構發(fā)展的對策建議。
[Abstract]:For a long time, rural financing in Fujian Province has been faced with the dilemma of little credit support, unreasonable credit system, narrow financing channels and high financing cost. Also closely related to the financial mechanism and the overall financing environment constraints. In order to alleviate this dilemma, international experience and practical experience in some parts of Fujian Province have shown that the development of rural financing guarantee institutions should be promoted. The introduction of an intermediary third-party guarantee between the financial institutions involved in financial transactions and the rural economic entities helps to solve the problem of guarantee constraint to a certain extent and then to achieve the purpose of solving the financing difficulties. Therefore, it is of practical significance to investigate the guarantee constraints of rural credit financing and the current development of rural financing guarantee institutions in Fujian Province in order to promote the development of rural financing guarantee institutions in our province. This article takes the Fujian Province rural financing guarantee institution as the research object, starting with the Fujian county village financing predicament, has deeply analyzed the necessity of the development of the rural financing guarantee institution; Then, the development of rural financing guarantee institutions in Fujian Province is analyzed in detail, and the policies of promoting the development of financing guarantee institutions in Fujian Province and Fujian Province are combed out. The problems and restrictive factors of the rural financing guarantee institutions in Fujian Province are summed up, and the foreign financing guarantee institutions are compared and used for reference. On the basis of analyzing and summarizing the typical cases of the representative rural financing guarantee institutions in Sanming, the paper puts forward the countermeasures and suggestions to promote the development of the rural financing guarantee institutions in Fujian Province. The research methods adopted in this paper are as follows: (1) Statistical analysis. By using the management platform network of financing guarantee institution of provincial supervision department, this paper makes statistical analysis on the basic data and operation situation of financing guarantee institution and rural financing guarantee institution in our province. (2) questionnaire survey method. Through the way of questionnaire, we can find out the basic situation and existing problems of rural financing guarantee institutions in our province. (3) the literature analysis method. It is mainly used to summarize the research on financing guarantee institutions (mechanisms) at home and abroad, and to sum up the policy of supporting the development of rural financing guarantee institutions in China and Fujian Province. (4) the comparative research method. Compare and analyze the financing guarantee mechanism of America, Germany and Japan in detail. (5) case analysis. Ningde, Sanming two more representative rural financing guarantee institutions to analyze and summarize the case. The main conclusions of this paper are as follows: first, this paper analyzes the difficulties and causes of county and village financing in Fujian Province. On the basis of summing up the role of financing guarantee institutions in alleviating the financing difficulties of county and village, the necessity of developing rural financing guarantee institutions in Fujian Province is put forward. Secondly, on the basis of the research on the current situation of the development of the rural financing guarantee institutions in Fujian Province, the paper summarizes the achievements of the development of the rural financing guarantee institutions in Fujian Province, and puts forward the main problems and restrictive factors. Thirdly, on the basis of comparing the experiences of foreign countries and typical cases of Fujian Province, the author puts forward some countermeasures and suggestions to promote the development of rural financing guarantee institutions in Fujian Province.
【學位授予單位】：福建農(nóng)林大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.39

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