【作者】 林明；

【导师】 黄和亮； 黄瑞平；

【作者基本信息】 福建农林大学 ， 农村与区域发展（专业学位）， 2014， 硕士

【摘要】 农业是国民经济的基础,在国民经济中占有重要地位。中国是一个发展中的农业大国,又是一个人口大国,农村经济的发展地位与作用更加突出,而农村经济的发展离不开农村金融服务体系的强力支撑,但当前我国的农村金融服务体系不能完全适应农村经济发展产生的信贷资金需求,影响农村经济的持续发展。本文以经济学的供求理论和管理学的生产组织理论为分析方法。首先,从整体上分析了农村金融服务体系与基本问题、涉农信贷总量结构与农村信贷需求；其次,分析了农村信贷资源在农业生产组织间的配置状况,主要包括在农户、农业生产合作社和农业生产企业等农业生产主体间的配置状况；再次,从理论上探讨了造成农村信贷资源在不同生产组织间配置差异的经济原因。分析结果表明：目前我国农村金融体系不仅在供给总量和产品品种上不能满足农村经济发展的需求,而且对农户及农业生产合作社等的信贷需求限制和约束特别突出,要解决当前农村金融贷款难问题应重点关注农户及农业生产合作社的信贷需求。因此,农村金融服务体系建设的关键在于(1)从总量上增加农村金融服务的供给；(2)建立层次丰富的农村金融服务体系,建立专门服务于农户和农业合作组织的金融机构；(3)推进农村金融服务产品创新,实现农村金融服务品种多样化；(4)推进农村信用体系和信用环境建设,发展农业保险,建设农村土地金融制度等。更多还原

【Abstract】 Agriculture is the foundation of the national economy, and occupies the important position in national economy. China is a great agricultural nation in developing as well as populous country. Therefore, the rural economy’s status and role in development is more prominent. And the development of rural economy cannot leave the strong support of the rural financial service system. But currently, our country’s rural financial service system cannot fully adapt to the credit demand of rural economic development. This seriously affects the sustainable development of our rural economy.This dissertation is based on the demand and supply theory of economics and the production organization theory of management as the analysis method. First, this dissertation analyzes the rural financial service system and its basic problem, as well as the total agricultural credit structure and rural credit demand. Then, this dissertation analyzes the status of rural credit resources allocation among farming organizations including peasant households, agricultural producers’ cooperatives and agricultural production enterprises. Finally, this dissertation theoretically discusses economic reasons which cause the rural credit resources configuration differences among farming organizations. Analysis results show that, at present, our rural financial system not only can not meet the needs of rural economic development on the supply amount and varieties of products, but also the credit restrictions and constraints for peasant households and agricultural production cooperatives are particularly outstanding. To solve the current problem of rural financial loans should focus on peasant households and agricultural production cooperatives credit demand. Therefore, the key to the construction of rural financial service system is:(1) Increase the total amount of rural financial service supply;(2) Establish the rural financial service system which has rich layers, and financial institutions which specially serve peasant households and agricultural cooperative organizations;(3) Promote the innovation in rural financial services products, and then implement rural financial services products’ diversification;(4) Promote the construction of the rural credit system and credit environment, develop agricultural insurance, and build rural land financial system.更多还原