商洛市支农再贷款问题研究
发布时间：2019-04-27 19:33
【摘要】：近年来,支农再贷款在解决商洛市涉农信贷资金短缺,促进商洛市涉农经济发展,助推农民脱贫致富等方面发挥着重要作用。然而,随着农村信用社等地方法人金融机构经营状况、资金实力的好转,支农再贷款的使用和管理方面出现了一些问题,致使支农再贷款的货币政策传导效应有所下降,影响了该地区“三农”经济发展。因此,研究商洛市支农再贷款问题具有重要的实践意义和政治意义。论文以商洛市支农再贷款为研究对象,在探析、借鉴国内外研究理论基础上,从交易成本理论、普惠金融理论、不完全竞争市场理论及支农再贷款的政策演变出发,阐述了商洛市当前支农再贷款现状,通过走访及资料搜集,分析了商洛市支农再贷款的现状、存在问题,在进行原因分析的基础上提出了加强商洛市支农再贷款管理的对策与建议。论文针对商洛市支农再贷款在借款积极性、传导中介种类和数量、运用支农再贷款的涉农贷款利率、支农再贷款用途等方面存在的问题,逐条分析解答,认为商洛市支农再贷款的存在问题应从以下四个方面进行改进:一是简化繁杂的支农再贷款管理、适当扩大支农再贷款借款利差、探索建立支农再贷款风险防范和补偿机制,以提高借用支农再贷款的积极性;二是将三农金融事业部纳入支农再贷款发放对象、鼓励各商业银行筹建村镇银行、鼓励涉农金融机构将网点下沉到乡镇,以丰富支农再贷款传导中介;三是严禁运用支农再贷款的涉农贷款利率一浮到顶和以自有资金利率发放,以规范运用支农再贷款的涉农贷款利率;四是对支农再贷款使用大户下达扶贫指标,扩大支农再贷款使用范围、严惩支农再贷款同业拆解或上存等行为,以健全和规范支农再贷款的用途。
[Abstract]:In recent years, agriculture-related credit loan plays an important role in solving the shortage of credit funds in Shangluo, promoting the development of agriculture-related economy in Shangluo, and promoting farmers to get rid of poverty and become rich. However, with the situation of the operation of the local legal person financial institutions such as rural credit cooperatives and the improvement of the capital strength, there are some problems in the use and management of the agricultural reloans, resulting in a decline in the monetary policy transmission effect of the agricultural reloans. It has affected the economic development of "agriculture, countryside and farmers" in this area. Therefore, it is of great practical and political significance to study the problem of supporting agriculture re-loan in Shangluo City. On the basis of analyzing and analyzing the theory of supporting agriculture in Shangluo City, the paper starts from the theory of transaction cost, the theory of inclusive finance, the theory of incomplete competition market and the evolution of the policy of supporting agriculture reloan, based on the research theory at home and abroad. This paper expounds the current situation of relending to agriculture in Shangluo City, analyzes the present situation and existing problems of the relending to farmers in Shangluo City through visiting and collecting data. On the basis of the reason analysis, this paper puts forward the countermeasures and suggestions to strengthen the management of agriculture-supporting reloan in Shangluo City. In view of the problems existing in the loan enthusiasm, the type and quantity of transmission intermediary, the interest rate of agriculture-related loan and the use of agriculture-supporting re-loan in Shangluo City, the paper analyzes and answers the problems one by one, in terms of the interest rate of agriculture-related loans. It is considered that the existing problems of agricultural reloan in Shangluo City should be improved from the following four aspects: first, simplifying the complicated management of supporting agricultural reloan, properly expanding the spread of interest rate on relending to support agriculture, and exploring the establishment of a mechanism to prevent and compensate the risk of supporting agriculture reloan. In order to improve the enthusiasm of borrowing and relending to agriculture; The second is to bring the financial services department of agriculture, rural areas and farmers into the object of supporting agriculture re-loan, encourage the commercial banks to set up village and town banks, encourage the agriculture-related financial institutions to sink the network to villages and towns, in order to enrich the intermediary of supporting agriculture re-loan transmission; Third, it is strictly forbidden to use the agriculture-related loan interest rate of supporting agriculture reloan to float to the top and to grant it with the interest rate of own capital, in order to standardize the interest rate of the agriculture-related loan of supporting agriculture re-loan; Fourth, we will issue poverty alleviation targets to large farmers using reloans to support agriculture, expand the scope of use of reloans for agriculture, and severely punish inter-bank lending or deposit for supporting agriculture in order to improve and standardize the use of reloans to support agriculture.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43
本文编号：2467252
[Abstract]:In recent years, agriculture-related credit loan plays an important role in solving the shortage of credit funds in Shangluo, promoting the development of agriculture-related economy in Shangluo, and promoting farmers to get rid of poverty and become rich. However, with the situation of the operation of the local legal person financial institutions such as rural credit cooperatives and the improvement of the capital strength, there are some problems in the use and management of the agricultural reloans, resulting in a decline in the monetary policy transmission effect of the agricultural reloans. It has affected the economic development of "agriculture, countryside and farmers" in this area. Therefore, it is of great practical and political significance to study the problem of supporting agriculture re-loan in Shangluo City. On the basis of analyzing and analyzing the theory of supporting agriculture in Shangluo City, the paper starts from the theory of transaction cost, the theory of inclusive finance, the theory of incomplete competition market and the evolution of the policy of supporting agriculture reloan, based on the research theory at home and abroad. This paper expounds the current situation of relending to agriculture in Shangluo City, analyzes the present situation and existing problems of the relending to farmers in Shangluo City through visiting and collecting data. On the basis of the reason analysis, this paper puts forward the countermeasures and suggestions to strengthen the management of agriculture-supporting reloan in Shangluo City. In view of the problems existing in the loan enthusiasm, the type and quantity of transmission intermediary, the interest rate of agriculture-related loan and the use of agriculture-supporting re-loan in Shangluo City, the paper analyzes and answers the problems one by one, in terms of the interest rate of agriculture-related loans. It is considered that the existing problems of agricultural reloan in Shangluo City should be improved from the following four aspects: first, simplifying the complicated management of supporting agricultural reloan, properly expanding the spread of interest rate on relending to support agriculture, and exploring the establishment of a mechanism to prevent and compensate the risk of supporting agriculture reloan. In order to improve the enthusiasm of borrowing and relending to agriculture; The second is to bring the financial services department of agriculture, rural areas and farmers into the object of supporting agriculture re-loan, encourage the commercial banks to set up village and town banks, encourage the agriculture-related financial institutions to sink the network to villages and towns, in order to enrich the intermediary of supporting agriculture re-loan transmission; Third, it is strictly forbidden to use the agriculture-related loan interest rate of supporting agriculture reloan to float to the top and to grant it with the interest rate of own capital, in order to standardize the interest rate of the agriculture-related loan of supporting agriculture re-loan; Fourth, we will issue poverty alleviation targets to large farmers using reloans to support agriculture, expand the scope of use of reloans for agriculture, and severely punish inter-bank lending or deposit for supporting agriculture in order to improve and standardize the use of reloans to support agriculture.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43
【参考文献】
相关期刊论文 前10条
1 张驰;祁利文;;新的再贷款政策出台后政策效应日益凸显[J];北方金融;2016年11期
2 刘刚;;精准扶贫视角下的支农再贷款政策效应研究——来自青海省的经验分析[J];征信;2016年06期
3 彭日东;丁万里;田绿青;刘慧敏;;对基层央行强化支农再贷款管理的调查[J];北方金融;2016年06期
4 伊毅青;;对提升支农再贷款政策效应的思考[J];时代金融;2016年11期
5 覃标庆;吴文泉;唐颖;;支农再贷款资金配置效率及其规模效应分析——以广西玉林为例[J];区域金融研究;2016年01期
6 李晶彦;;支农再贷款利率政策研究[J];金融发展研究;2015年12期
7 余水峰;;支农再贷款管理和使用问题初探——以安宁为例[J];时代金融;2015年32期
8 乔海滨;;内蒙古支农再贷款管理和使用问题研究[J];北方金融;2015年10期
9 刘葵;肖友华;谭春;;完善支农再贷款监管考核[J];中国金融;2015年07期
10 张敏;;浅析农村信用社支农再贷款业务中存在的问题及对策建议[J];现代经济信息;2014年14期
相关重要报纸文章 前1条
1 吴书霞;;充分发挥支农再贷款的作用[N];金融时报;2012年
相关硕士学位论文 前2条
1 卢磊磊;基层央行支农再贷款政策效应分析[D];河南大学;2015年
2 王珊;基层央行强化支农再贷款管理研究[D];宁夏大学;2014年
，本文编号：2467252
本文链接：https://www.wllwen.com/jingjilunwen/huobiyinxinglunwen/2467252.html
