本文選題：農(nóng)村經(jīng)濟 + 小額信貸��； 參考：《江西農(nóng)業(yè)大學》2017年碩士論文

【摘要】：江西是中部地區(qū)重要的農(nóng)業(yè)省份,農(nóng)業(yè)在經(jīng)濟發(fā)展中占據(jù)重要的地位,因此“三農(nóng)”的發(fā)展對于江西省經(jīng)濟社會進步來說意義重大,然而“三農(nóng)”問題也是江西省經(jīng)濟建設(shè)中較為薄弱的環(huán)節(jié)。江西省十三五發(fā)展規(guī)劃綱要中提出經(jīng)濟社會發(fā)展要“科學崛起、綠色發(fā)展、進位趕超”,“三農(nóng)”問題的解決對江西省新農(nóng)村建設(shè)和全面建設(shè)小康社會意義重大。農(nóng)村農(nóng)業(yè)經(jīng)濟的發(fā)展根本目的是推進農(nóng)村居民增收,當前“三農(nóng)”問題的突出矛盾體現(xiàn)在農(nóng)村金融需求與供給的嚴重不平衡,這對農(nóng)村經(jīng)濟建設(shè)帶來很大阻礙,特別是農(nóng)業(yè)生產(chǎn)、貿(mào)易、流通等資金短缺造成的生產(chǎn)力束縛。農(nóng)村經(jīng)濟的健康有序發(fā)展,離不開金融支持,需要創(chuàng)新金融體系服務(wù)農(nóng)業(yè)經(jīng)濟的各個方面。農(nóng)村小額信貸是服務(wù)農(nóng)業(yè),發(fā)展農(nóng)業(yè)的重要金融扶持政策,本文以綜合運用定性、定量方法對江西省贛州市農(nóng)村小額信貸發(fā)展現(xiàn)狀、問題及原因進行研究分析,進而為其有效服務(wù)農(nóng)村經(jīng)濟提供參考。首先,本文對選題背景、研究問題及農(nóng)村小額信貸的相關(guān)理論進行分析,奠定本文研究的實踐與理論背景。其次,針對江西省贛州市農(nóng)村小額信貸需求與供應矛盾,運行模式等現(xiàn)狀進行分析,從中解析出當前農(nóng)村小額信貸供給能力不足、農(nóng)村資金外流和農(nóng)業(yè)保險發(fā)展遲滯等問題,并結(jié)合江西省贛州市農(nóng)村經(jīng)濟發(fā)展情況、金融機構(gòu)資金配置現(xiàn)狀指出其小額信貸發(fā)展受到了農(nóng)村經(jīng)濟自然特點、當前農(nóng)村金融體制與農(nóng)村金融生態(tài)環(huán)境等約束。再者,結(jié)合江西省贛州市農(nóng)村小額信貸運行狀況,綜合分析其業(yè)務(wù)發(fā)展的風險因素,并借助二元logit模型對風險影響因素進行實際數(shù)據(jù)的計算驗證。最后,結(jié)合江西省贛州市農(nóng)村小額信貸困境、風險影響因素等分析,提出了創(chuàng)新農(nóng)村金融支持形式、健全農(nóng)村金融體制,完善風控機制和保險體系、創(chuàng)新和發(fā)展金融擔保體系等對策建議,以期能夠為江西省贛州市強化農(nóng)村金融扶持,推進農(nóng)業(yè)經(jīng)濟發(fā)展提供政策依據(jù)。
[Abstract]:Jiangxi is an important agricultural province in the central region, and agriculture plays an important role in economic development. Therefore, the development of "agriculture, rural areas and farmers" is of great significance to the economic and social progress of Jiangxi Province. However, the issue of agriculture, rural areas and farmers is also a relatively weak link in the economic construction of Jiangxi Province. In the outline of the 13th Five-Year Development Plan of Jiangxi Province, it is pointed out that the economic and social development should be "scientific rise, green development, carry overtaking", and the solution of the "three rural issues" is of great significance to the construction of the new countryside and the overall construction of a well-off society in Jiangxi Province. The fundamental purpose of the development of rural agricultural economy is to promote the increase of income of rural residents. At present, the prominent contradiction of the "three rural issues" is reflected in the serious imbalance between rural financial demand and supply, which brings great obstacles to the construction of rural economy. In particular, agricultural production, trade, circulation and other capital shortage caused by the constraints of productivity. The healthy and orderly development of rural economy can not be separated from financial support. It is necessary to innovate the financial system to serve all aspects of agricultural economy. Rural microfinance is an important financial support policy for serving agriculture and developing agriculture. This paper studies and analyzes the present situation, problems and causes of rural microfinance development in Ganzhou City, Jiangxi Province by comprehensive use of qualitative and quantitative methods. And then provide reference for its effective service rural economy. First of all, this paper analyzes the background, research problems and related theories of rural microfinance, and establishes the practical and theoretical background of this paper. Secondly, based on the analysis of the contradiction between the demand and supply of rural microfinance in Ganzhou, Jiangxi Province, and the operating mode, the problems such as insufficient supply capacity of rural microfinance, the outflow of rural funds and the slow development of agricultural insurance are analyzed. Combined with the development of rural economy in Ganzhou City, Jiangxi Province, the present situation of fund allocation of financial institutions points out that the development of microfinance is restricted by the natural characteristics of rural economy, the current rural financial system and the rural financial ecological environment. Furthermore, combined with the running situation of rural micro-credit in Ganzhou, Jiangxi Province, the risk factors of its business development are comprehensively analyzed, and the actual data of risk factors are verified by using the binary logit model. Finally, based on the analysis of rural microfinance dilemma and risk factors in Ganzhou City, Jiangxi Province, this paper proposes to innovate the rural financial support form, perfect the rural financial system, perfect the wind control mechanism and insurance system. The countermeasures and suggestions of innovating and developing financial guarantee system can provide policy basis for strengthening rural financial support and promoting the development of agricultural economy in Ganzhou City Jiangxi Province.
【學位授予單位】：江西農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.43

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