【作者】 刘伟；

【导师】 孙养学；

【作者基本信息】 西北农林科技大学 ， 农村与区域发展， 2012， 硕士

【摘要】 资源是区域经济发展的动力源泉。由于自然资源的不可再生性，人们过度依赖自然资源，必然带来经济社会的非持续性发展问题。金融是现代市场经济的核心，每个国家经济的发展都离不开金融的参与和支持。近年来，随着我国县域经济飞速发展，县域经济的金融需求日益增长，同时金融结构的不断优化、金融效率的不断提升，为县域经济发展和“三农”问题突破提供了契机。如何用资金换资源，解决资源富集地区，在能源日趋紧张、面临资源枯竭的环境下县域经济的快速发展问题，是资源富集地区县域金融研究的主题。论文以金融发展理论为指导，以资源富集地区金融支持三农发展为研究对象。在借鉴国内外相关研究成果和深入榆林市实地调研的基础上，首先论述了县域金融功能的作用机理。其次，分析了资源富集地区榆林县域经济发展现状和县域金融发展规模、组织形式、深化水平和存在的主要问题。再次，从金融覆盖率和贡献率两个角度对县域金融支农的绩效进行评价。最后，通过对榆林县域经济金融发展问题和支农绩效评价结果，有针对性地提出了加强县域金融支农的政策建议。论文研究得到的主要结论：一是榆林金融虽然经历了较快的发展，目前营业网点的分布较为普遍，涉农金融机构的支农规模总量不断扩大，但是贷存差距不断扩大，金融机构存贷比不断降低。县域金融的支农效率方面，榆林农村金融发展水平存在虚高的现象；二是榆林县域金融支农过程中，仍然存在县域金融体系建设滞后于经济发展需求，金融资源大量外流，信用担保体系不健全，经济主体融资成本高，再加上金融机构运行效率低，支农比重偏低，县域社会信用缺失等问题；三是金融发展有力的推动了县域经济增长，但榆林市县域金融并没有随着经济的增长而发生相应的质的变化，县域金融滞后于经济的增长。目前正规金融的供给难以满足农户资金需求和中小企业的资金需求已经发生了巨大的变化；四是各县区金融支农的贡献率分析结果显示，农村正规金融发展水平能够很好推动农户收入水平提高。更多还原

【Abstract】 Resources is motivational power of regional economic development. Due to excessivedependence on natural resources, and natural resources are non-renewable, so it will certainlybring a non-persistent issues of economic and social development. Finance is the core of themodern market economy, economic development of each county can not do without thefinancial participation and support. In recent years, the fanancial demands have seen increaseas the rapid development of county economy in recent years. Together with the continuousoptimization of fanancial orgnization and constant improvement of fanancial efficiency, itprovides a great oppoturnity for the development of county economy and the resolution of"three agriculture". How to use capital resources to solve the problem of resource-rich regionis the topic of the county economy financial study in the resource-rich region. Theresource-rich region now are facing increasingly resources shortage and resource depletion.Guided by the theory of financial development, this paper focuses on financial support to"three agriculture" development in resource-rich regions. Based on the research results athome and abroad and in-depth investigation in Yulin City, we first discusses the mechanism ofthe county’s financial functions. Secondly, We analyzed current situation of economicdevelopment, the scale of financial development, forms of organization, the deepening leveland the main problems in resource-rich regions of Yulin County. Thirdly, evaluate theperformance of the county financial support agriculture from financial coverage rate andcontribution rate.Finally, based on the issues of economic and financial development and theperformance evaluation results of support agriculture in Yulin County, has put forward policyrecommendations to strengthen the county financial support to agriculture.The main conclusions of the paper: Firstly, Although financial development is fast,distribution outlets are more common, the total size of agriculture-related financial institutionsof support agriculture are expanding in Yulin, however, the loan-to-deposit gap is widening,and the loan to deposit ratio of financial institutions is continue to reduce. At the same time,The rural financial development level exist inflated phenomenon of Yulin County from theview of county support agriculture efficiency. Secondly, there are still exist many problems in Yulin county financial support agriculture process, such as the county financial system lagsbehind the economic development needs, the outflow of a large number of financial resources,the credit guarantee system is not sound, high financing costs of economic agents, the lowefficiency of financial institutions, the lower proportion of support agriculture and the lack ofsocial credit of county and so on. Thirdly, financial development promote the county’seconomic growth forcefully, however, the qualitative change of finance in Yulin County nothappen with the economic growth. On the contrary, the county financial lags behind theeconomic growth. The supply of formal financial difficult to meet the funding needs of thefarmers demand for funds and the funding needs of SMEs have been huge changes. Finally,the county district contribution rate analysis of the financial support agriculture showed thatformal rural financial development level can be a good promotion of farmers’ income levels.更多还原