【作者】 郑安安；

【导师】 辛立秋；

【作者基本信息】 东北农业大学 ， 农业经济管理， 2009， 硕士

【摘要】 2007年“中央一号”文件明确提出,建设现代农业是社会主义新农村建设的首要任务和重要基础。发展现代农业是一项巨大的系统工程,必须有一个全方位、多层次的金融支持体系。改革开放以来,黑龙江省农业得到了迅速发展。但由于农业基础薄弱,农民自我积累、自我发展能力较差,农业生产企业和农民都面临投入不足,银行、财政的扶持有限等问题,资金供给不足成为制约我省现代农业发展的关键因素之一。因此,建立一个合理有效的农村金融供给体系是推动黑龙江省农村经济发展乃至整个新农村建设不可或缺的重要环节。目前,黑龙江省农村地区存在城乡金融资源配置不平衡,农村金融体系不完善,金融机构功能不完备,金融基础设施不配套,有关扶持政策不到位等问题。在这种情况下,加快推进农村金融体制改革与创新,不断完善农村金融服务体系,对促进黑龙江省农村经济社会的和谐发展具有重大影响。本文以农村金融发展理论为理论研究依据,分析黑龙江省金融需求的特征和金融供给现状,着重针对现行的农村金融供给状况及存在的问题,进行了深入的理论和现实分析。分析发现黑龙江省存在农村金融机构功能定位不明确,农村金融服务功能整体弱化等问题。具体表现在县以下金融机构数量和业务快速萎缩;农村资金逆向向城市流动,导致城乡差距越拉越大;农村金融服务整体上不能满足“三农”的要求。我们通过对美国、日本和印度的农村金融制度进行分析,在借鉴现有研究成果的基础上,提出了黑龙江省支持农业发展的金融有效供给对策。其中包括打造多层次、广覆盖、可持续的农村金融体系,积极推进农村金融创新,加强扶持政策,沟通协调,重点是构建激励有效、协调配套的长效扶持机制。更多还原

【Abstract】 The government work report in 2007 suggested that the construction of modern agriculture is the important foundation and the primary task for building of new socialist countryside. The development of modern agriculture is a huge systematic project that must have a comprehensive, multi-level system of financial support as a basis. Since reform and opening up, agricultural economy has been growing rapidly in Heilongjiang Province. However, due to weak agricultural foundation, poor self-accumulation for farmers and lack of financial support, agricultural production enterprises and farmers are facing shortage of capital investment. Therefore, it is important to establish the rational and effective rural financial supply system to promote rural economic development. At present, the rural financial development has some problems such as imbalances in the allocation of financial resources between urban and rural areas, imperfect rural financial system, and incomplete function to financial institutions. In this case, it is the significant impact to promote the harmonious development of economy and society that accelerate reform and innovation of rural financial system and constantly improve the rural financial service system.This paper based on the rural financial development theory, analyze the characteristics and the status quo of financial needs supply in rural area in Heilongjiang Province. The article has done a further analysis in theory and practice to the problems of rural financial supply situation. The analysis found the issues that the function of rural financial institutions are not clear and function of rural financial services are weakened.Specific performance is capital flow from countryside to city and large gap between urban and rural areas. Financial services in rural areas can not adapt the rural economic development. We propose the financial effective supply countermeasures on supporting agricultural development through analyzing the financial system of the United States, Japan and India and drawing on existing research results. The countermeasures include creating the structure of multi-level, wide coverage, sustainable rural financial system, actively promoting rural financial innovation, strengthening the policy support, making good communication and coordination and building incentive and effective long-term support mechanisms.更多还原