【摘要】：金融是社會(huì)發(fā)展永恒的話題,當(dāng)今中國(guó)的發(fā)展進(jìn)程較快,二元經(jīng)濟(jì)結(jié)構(gòu)導(dǎo)致城鄉(xiāng)差距較大,城市發(fā)展過(guò)快的同時(shí)帶來(lái)了一系列的社會(huì)問(wèn)題,而農(nóng)業(yè)發(fā)展始終停留在落后原始的程度。農(nóng)業(yè)發(fā)展過(guò)慢,土地的低效率使用以及勞動(dòng)力資源的浪費(fèi),嚴(yán)重阻礙了中國(guó)的進(jìn)步。尤其是中國(guó)當(dāng)前的國(guó)情下,我國(guó)農(nóng)業(yè)人口大國(guó),農(nóng)業(yè)是我國(guó)的立國(guó)之本,當(dāng)前中國(guó)的發(fā)展離不開(kāi)農(nóng)業(yè),尤其是考慮中國(guó)當(dāng)前的國(guó)情,一味的發(fā)展工業(yè)是不現(xiàn)實(shí)的,必須大力發(fā)展農(nóng)業(yè),振興農(nóng)業(yè),保證中國(guó)經(jīng)濟(jì)發(fā)展的后備力量。現(xiàn)代農(nóng)業(yè)的興起大大提升了農(nóng)業(yè)發(fā)展的效率,加快了農(nóng)業(yè)的進(jìn)程,促進(jìn)社會(huì)主義的發(fā)展�，F(xiàn)代農(nóng)業(yè)發(fā)展是當(dāng)今我國(guó)農(nóng)業(yè)發(fā)展的重中之重,應(yīng)用先進(jìn)的科學(xué)技術(shù)以及完善的農(nóng)業(yè)發(fā)展生產(chǎn)資料,促進(jìn)農(nóng)村經(jīng)濟(jì)合理健康快速發(fā)展。但目前現(xiàn)代農(nóng)業(yè)發(fā)展的技術(shù)理論普及程度不高,發(fā)展障礙繁多,尤其是農(nóng)業(yè)金融方面的供給出現(xiàn)一系列亟待解決的問(wèn)題。農(nóng)業(yè)金融的發(fā)展對(duì)于農(nóng)業(yè)經(jīng)濟(jì)的提升有著尤為重要的作用,是不可忽視的一股力量,但是目前農(nóng)業(yè)發(fā)展教育程度落后,技術(shù)水平不高,導(dǎo)致農(nóng)業(yè)金融理論與實(shí)際難以匹配,嚴(yán)重阻礙農(nóng)村金融的發(fā)展。目前國(guó)家的民間資本發(fā)展并不健全,過(guò)度依賴民間資本風(fēng)險(xiǎn)較大,威脅了正常的農(nóng)村金融機(jī)構(gòu)發(fā)展。農(nóng)村信用體系不健全,無(wú)法做到如大城市那樣的信用記錄以及信用串聯(lián),應(yīng)該結(jié)合農(nóng)村現(xiàn)狀,建立農(nóng)村信用體系,完善信用制度。并且當(dāng)前農(nóng)村金融受到地方政府的干預(yù)過(guò)多,難以發(fā)揮自身價(jià)值。榆林是一個(gè)資源豐富但是農(nóng)業(yè)發(fā)展相對(duì)不足的地方,只依賴資源的發(fā)展是不全面不長(zhǎng)久的發(fā)展,榆林必須重視農(nóng)業(yè)的進(jìn)步,尤其是現(xiàn)代農(nóng)業(yè)的發(fā)展,但是榆林在農(nóng)業(yè)發(fā)展過(guò)程中出現(xiàn)了繁多復(fù)雜的問(wèn)題,重視工業(yè)不重視農(nóng)業(yè),資金缺口較大,農(nóng)業(yè)金融發(fā)展不力,導(dǎo)致榆林農(nóng)業(yè)經(jīng)濟(jì)發(fā)展遲緩,現(xiàn)代農(nóng)業(yè)進(jìn)程落后。針對(duì)一系列問(wèn)題進(jìn)行深度研究,結(jié)合筆者所學(xué),為榆林市的農(nóng)村金融發(fā)展提供相關(guān)政策建議。
[Abstract]:Finance is the eternal topic of social development. Nowadays, the development process of China is fast. The dual economic structure leads to a large gap between urban and rural areas, and the rapid development of cities brings a series of social problems at the same time. Agricultural development has always remained behind the original level. The slow development of agriculture, the inefficient use of land and the waste of labor resources have seriously hindered China's progress. In particular, under the current situation of China, China has a large agricultural population, and agriculture is the foundation of China's nation-building. At present, China's development cannot be separated from agriculture, especially considering the current situation of China, it is unrealistic to blindly develop industry. Must develop agriculture energetically, revitalize agriculture, guarantee the reserve force of Chinese economy development. The rise of modern agriculture has greatly improved the efficiency of agricultural development, accelerated the process of agriculture, and promoted the development of socialism. The development of modern agriculture is the most important part of agricultural development in our country. The application of advanced science and technology and perfect agricultural development means of production can promote the rational and healthy rapid development of rural economy. But at present, the technical theory of modern agriculture development is not high, the development obstacle is various, especially the supply of agricultural finance appears a series of problems that need to be solved urgently. The development of agricultural finance plays a particularly important role in the promotion of agricultural economy and is a force that can not be ignored. However, at present, the level of agricultural development education is backward and the level of technology is not high, which leads to the difficulty of matching the theory and practice of agricultural finance. Seriously hinder the development of rural finance. At present, the development of folk capital in our country is not perfect, the risk of over-reliance on private capital is great, which threatens the development of normal rural financial institutions. The rural credit system is not perfect and can not do the credit record and the credit series as the big city. We should combine the rural present situation, establish the rural credit system, perfect the credit system. And the current rural finance by the local government intervention too much, difficult to play their own value. Yulin is a place rich in resources but relatively deficient in agricultural development. Relying on the development of resources is not a comprehensive and lasting development. Yulin must attach importance to the progress of agriculture, especially the development of modern agriculture. However, there are many and complicated problems in the process of agricultural development in Yulin, such as paying attention to industry, not paying attention to agriculture, the large fund gap and the weak development of agricultural finance, which lead to the slow development of agricultural economy and the backwardness of modern agricultural process in Yulin. In view of a series of problems, combined with the study of the author, to provide relevant policy recommendations for the development of rural finance in Yulin.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F327;F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 王鑫;;關(guān)于榆林市農(nóng)村合作金融機(jī)構(gòu)可持續(xù)發(fā)展的建議[J];時(shí)代金融;2014年27期

2 高飛;;陜西省榆林市農(nóng)村金融抑制探析[J];時(shí)代金融;2013年27期

3 張迎宗;;農(nóng)戶正式借貸存在問(wèn)題的原因及政策建議[J];財(cái)經(jīng)界(學(xué)術(shù)版);2013年08期

4 李博;;我國(guó)農(nóng)村小額信貸存在問(wèn)題及對(duì)策分析[J];現(xiàn)代商業(yè);2011年26期

5 張?jiān)赂?王立崗;劉婷;;榆林地區(qū)農(nóng)村金融服務(wù)調(diào)查[J];西部金融;2011年09期

6 卞海霞;;沿海大開(kāi)發(fā)背景下農(nóng)村土地承包經(jīng)營(yíng)權(quán)流轉(zhuǎn)研究[J];大慶社會(huì)科學(xué);2011年03期

7 卞海霞;;江蘇沿海大開(kāi)發(fā)背景下農(nóng)村土地承包經(jīng)營(yíng)權(quán)流轉(zhuǎn)問(wèn)題研究[J];山東行政學(xué)院學(xué)報(bào);2011年03期

8 趙志剛;巴曙松;;我國(guó)村鎮(zhèn)銀行的發(fā)展困境與政策建議[J];新金融;2011年01期

9 王李;侯景波;;我國(guó)村鎮(zhèn)銀行經(jīng)營(yíng)風(fēng)險(xiǎn)管理研究——以泰華農(nóng)民銀行小微金融為例[J];金融與經(jīng)濟(jì);2010年10期

10 楊舒;;中國(guó)村鎮(zhèn)銀行的可持續(xù)發(fā)展探析[J];金融縱橫;2010年10期

，

本文編號(hào)：2162166