【作者】 刘焕；

【导师】 罗剑朝；

【作者基本信息】 西北农林科技大学 ， 农村金融， 2010， 硕士

【摘要】 农村金融的发展对解决我国的“三农”问题有着至关重要的作用。“三农”问题的解决需要大量的资金投入,农村信用社作为农村金融的主力军,如何实现农村信用社最大程度地支持“三农”发展的问题迫切需要解决。本文在对陕西省农村信用社经营现状、支农现状和存在问题进行定性分析的基础上,从促进农民收入增长的角度出发,探讨了陕西省农村信用社农业贷款支持农民增收的途径,利用CD生产函数对影响农民收入的因素进行逐步回归分析,并运用趋势预测分析法和寻找最优解的运算方法对陕西省农村信用社农业贷款支持农民增收进行了实证分析。实证分析结果显示,农产品价格和农民收入之间存在很强的相关性,农产品价格是影响农民收入增长的一个非常重要因素。陕西省农村就业结构的变动改变了农民收入的构成,促进了农民非农产业收入的增加。陕西省农信社农业贷款对农民增收的贡献率较低,没有充分体现农信社农业贷款支持农民增收的应有预期效果。人均耕地面积的变化对农民收入有显著影响,但是这种影响和其他变量的影响性质不一样。在理论分析和实证分析的基础上,本文尝试运用制度经济学的原理,构建新的陕西省农信社农业贷款的投放方式和管理机制的方式,提出农村信用社促进农民增收的政策建议和对策。第一章：本章主要介绍了论文研究的背景、目的和意义,总结了国内外的研究理论和研究方法等。同时,说明了本文的研究思路、具体研究方法及论文的创新之处。第二章：本章系统分析了陕西省农信社的经营现状、农业贷款支持农民增收的现状,最后比较详细介绍了陕西省农信社现存的主要问题。第三章：本章主要介绍本文研究所用的模型、模型的假设前提和变量的选择,计算得出陕西省农信社农业贷款支持农民增收的贡献率,最后进行结果分析。第四章：本章提出陕西省农信社农业贷款新的投放方式和经营管理机制。第五章：本章提出促进陕西省农信社支持农民增收的政策建议和对策。第六章：对陕西省农信社的未来发展的展望。更多还原

【Abstract】 The development of rural finance plays a very important role in solving our country’s "three dimensional rural" problem. Solving three dimensional rural problem needs massive investing funds, the Rural Credit Cooperative is regarded as the main role of rural finance, the question that how to realize the Rural Credit Cooperative supporting three dimensional rural problem’s development in a deep degree is urgent to solve.Based on the qualitative analysis of the present situation of Shaanxi Province Rural Credit Cooperative management,supporting agriculture’ s development and it’s existence question, from the angle of promoting farmers’income growth, this article discusses the way of the Shaanxi Rural Credit Cooperative agricultural loan to support farmer’s additionally receiving, using the CD production function to carry on stepwise regression analysis on the factor of affecting the farmers’ income growth, and using the tendency forecast analytic method,and seeking for the optimal solution of the operational method, carries the empirical analysis on the question of the Shaanxi Rural Credit Cooperative agricultural loan to support farmer’s additionally receiving. The empirical analysis result demonstrates, the farm price and the farmers’ income has close relevance, the farm price has very important affection on the attribution of the farmers’ income growth. The change of Shaanxi Province countryside employment’s structure has changed the farmers’ income constitution and promoted farmers’non-agricultural income increasing. The Shaanxi Rural Credit Cooperative agricultural loan has low contribution to the farmers’ receiving growth, hasn’t fully manifested the Rural Credit Cooperative agriculture loan’s expecting effect on supporting farmer receiving growth. The average per person cultivating area’s change has different influence on the farmers’ income growth.Based on the theoretical analysis and empirical analysis, this article attempts to use the principle of the System Economic Discipline, to constructs the new delivery way of Shaanxi Rural Credit Cooperative’s agricultural loan and the new management mechanism, in order to propose the effective policy suggestion and the countermeasure for the Rural Credit Cooperative promoting the farmer additionally receiving.The first chapter:This chapter mainly introduced the paper research’s background, the goal and the significance, summarized the domestic and foreign research theory and the research technique and so on. At the same time, explained this article research mentality, the concrete research technique and the paper’s innovation.The second chapter:This chapter system analyses Shaanxi Rural Credit Cooperative manageable present situation, the agricultural loan have supported farmer additionally receiving, finally introduced the Shaanxi Rural Credit Cooperative extant subject matter.The third chapter:This chapter main introduced the model, the model supposition premise, the variable, the computation obtains the Shaanxi Rural Credit Cooperative agricultural loan to support farmer additionally receiving the technical progress factor, finally carries on the analysis to the result.The fourth chapter:This chapter proposes the new delivery way and the management and operation mechanism of the Shaanxi Rural Credit Cooperative agricultural loan.The fifth chapter:This chapter proposed that promotes the Shaanxi Rural Credit Cooperative support farmer additionally receiving policy suggestion and the countermeasure.The sixth chapter:This chapter mainly introduced the development forecast of Shaanxi Rural Credit Cooperative’s future.更多还原