【摘要】：農(nóng)業(yè)是國民經(jīng)濟(jì)發(fā)展的基礎(chǔ),農(nóng)業(yè)問題是關(guān)乎國計(jì)民生的大問題,因此我國歷來非常重視農(nóng)業(yè)的發(fā)展。而金融作為資源配置的一種有效方式對(duì)農(nóng)業(yè)的發(fā)展起到至關(guān)重要的作用,從某種意義上說,農(nóng)業(yè)發(fā)展的成敗取決于金融的支持。目前我國正處于傳統(tǒng)農(nóng)業(yè)向現(xiàn)代農(nóng)業(yè)的緩慢轉(zhuǎn)型中,農(nóng)業(yè)經(jīng)營主體表現(xiàn)出多樣性的金融需求,但是由于我國農(nóng)村金融在支農(nóng)過程中存在著金融體系不健全、信貸手續(xù)繁瑣、涉農(nóng)信貸產(chǎn)品單一、金融服務(wù)可得性缺乏等諸多問題,導(dǎo)致這種需求沒有得到有效滿足,而這已經(jīng)成為阻礙我國農(nóng)業(yè)發(fā)展的桎梏�；诖�,本文從豐寧縣農(nóng)業(yè)發(fā)展中的金融需求狀況入手,發(fā)現(xiàn)豐寧縣農(nóng)業(yè)發(fā)展中存在著中小農(nóng)業(yè)企業(yè)融資難、農(nóng)民專業(yè)合作社大額資金需求得不到滿足、農(nóng)民面臨信貸約束等問題。針對(duì)這些問題,本文從理論層面和現(xiàn)實(shí)層面進(jìn)行了分析,發(fā)現(xiàn)農(nóng)村金融市場中的信息不對(duì)稱問題是農(nóng)業(yè)經(jīng)營主體融資難的根本原因,而農(nóng)業(yè)經(jīng)營主體普遍缺乏合格抵押品,農(nóng)村信用體系不健全等現(xiàn)實(shí)條件導(dǎo)致這種矛盾無法得到有效緩解,另外農(nóng)業(yè)經(jīng)營主體本身具有的弱質(zhì)性、農(nóng)業(yè)的高風(fēng)險(xiǎn)性以及縣域缺乏金融配套措施、商業(yè)性金融機(jī)構(gòu)鄉(xiāng)鎮(zhèn)網(wǎng)點(diǎn)少也加劇了農(nóng)業(yè)經(jīng)營主體的融資難題。因此緩解農(nóng)村金融市場中的信息不對(duì)稱成為解決農(nóng)業(yè)經(jīng)營主體融資難題的關(guān)鍵,對(duì)此本文提出構(gòu)建農(nóng)村信用系統(tǒng)、擴(kuò)展抵押品、提升擔(dān)保機(jī)構(gòu)融資性擔(dān)保能力來解決農(nóng)村金融金融市場中的信息不對(duì)稱問題,通過發(fā)展農(nóng)業(yè)保險(xiǎn)來降低農(nóng)業(yè)固有的高風(fēng)險(xiǎn),通過發(fā)展新型農(nóng)村金融機(jī)構(gòu)來從源頭上增加農(nóng)村金融市場供給的政策建議。
文內(nèi)圖片：
圖片說明：豐寧縣金融體系大地保險(xiǎn)郵蓄銀行
[Abstract]:Agriculture is the basis of national economic development, and agricultural problems are related to the national economy and people's livelihood, so our country has always attached great importance to the development of agriculture. Finance, as an effective way of resource allocation, plays an important role in the development of agriculture. In a sense, the success or failure of agricultural development depends on the support of finance. At present, our country is in the slow transformation from traditional agriculture to modern agriculture, and the main body of agricultural management shows diverse financial needs. However, due to the imperfect financial system, tedious credit procedures, single agricultural credit products, lack of availability of financial services and so on, this demand has not been effectively met, which has become a hindrance to the development of agriculture in our country. Based on this, this paper starts with the financial demand in the agricultural development of Fengning County, and finds that there are some problems in the agricultural development of Fengning County, such as the financing difficulty of small and medium-sized agricultural enterprises, the large capital demand of farmers' professional cooperatives can not be met, and the farmers are faced with credit constraints. In view of these problems, this paper analyzes these problems from the theoretical and practical levels, and finds that the information asymmetry in the rural financial market is the root cause of the financing difficulties of the agricultural management subjects, while the agricultural management subjects generally lack qualified collateral, the rural credit system is not perfect and other realistic conditions lead to this contradiction can not be effectively alleviated, in addition, the agricultural management subjects themselves have the weakness. The high risk of agriculture and the lack of financial supporting measures in counties, and the lack of township outlets of commercial financial institutions also aggravate the financing problems of agricultural management subjects. Therefore, alleviating the information asymmetry in the rural financial market has become the key to solve the financing problems of agricultural management subjects. In this paper, this paper proposes to construct rural credit system, expand collateral, enhance the financing guarantee ability of guarantee institutions to solve the problem of information asymmetry in rural financial market, and reduce the inherent high risk of agriculture through the development of agricultural insurance. Through the development of new rural financial institutions to increase the supply of rural financial market from the source of policy recommendations.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.7

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