中国农业银行吉林省分行“三农”服务的现状与对策研究

发布时间：2018-05-15 01:12

本文选题：“三农”服务 + 信贷　；参考：《吉林大学》2015年硕士论文

【摘要】：面向“三农”，是党中央、国务院赋予农业银行的重要历史使命。吉林省作为我国农业大省，是国家重要的商品粮基地，这使得吉林省的“三农”问题有着显著的代表性。吉林省农行在服务“三农”过程中尚存在一定的问题，如何发挥吉林省农行的优势和克服存在的问题，是吉林省农行充分发挥服务“三农”作用亟待解决的问题。本文以农村金融市场理论、制度变迁理论、信息不对称理论以及交易费用理论为基础，采用规范分析与实证分析相结合的研究方法，，对中国农业银行吉林省分行服务“三农”问题进行研究，旨在为促进吉林省农行更好地服务于“三农”提供政策参考。论文首先系统阐述了吉林省农行“三农”服务的现状。其次以现状为基础对吉林省农行“三农”服务存在的问题及其原因进行了分析。当前吉林省农行“三农”服务的问题主要体现在制度体系和运行机制尚未完善、“三农”贷款投入低、信贷制度和业务流程繁琐复杂、服务效率较低等方面。导致这些问题存在的原因主要在于对农村金融业务重视程度不够、农村金融环境脆弱、信贷投放效益低等。最后有针对性地提出了加强吉林省农行“三农”服务的对策建议，具体包括吉林省农行服务“三农”、支持县域经济发展的基本原则和诸如坚持制度创新、重构针对“三农”的信贷管理制度和业务流程、合理协调城乡业务等具体对策措施。
[Abstract]:Facing agriculture, rural areas and farmers is an important historical mission entrusted to the Agricultural Bank by the CPC Central Committee and the State Council. As a big agricultural province in our country, Jilin Province is an important commodity grain base of our country. The Agricultural Bank of Jilin Province still has some problems in the process of serving agriculture, rural areas and farmers. How to give full play to the advantages and overcome the existing problems of the Agricultural Bank of Jilin Province is an urgent problem to be solved to give full play to the role of the Agricultural Bank of Jilin Province in serving the "three rural areas". Based on the theory of rural financial market, the theory of institutional change, the theory of information asymmetry and the theory of transaction cost, this paper adopts the research method of combining normative analysis with empirical analysis. This paper studies the service of Agriculture Bank of China Jilin Province Branch in order to provide policy reference for promoting Agricultural Bank of Jilin Province to better serve for agriculture, countryside and farmers. Firstly, the paper systematically expounds the present situation of Agricultural Bank of Jilin Province's agriculture, rural areas and farmers service. Secondly, based on the present situation, the problems and causes of Agricultural Bank of Jilin Province's agriculture, rural areas and farmers service are analyzed. At present, the problems of Agricultural Bank of Jilin Province in the service of agriculture, rural areas and farmers are mainly reflected in the imperfect system and operating mechanism, the low investment in loans for agriculture, rural areas and farmers, the complicated credit system and business process, the low efficiency of service, and so on. The main reasons for these problems lie in the lack of attention to rural financial business, the fragility of rural financial environment and the low benefit of credit. Finally, the paper puts forward the countermeasures and suggestions to strengthen the service of Agriculture Bank of Jilin Province, including the service of Agriculture Bank of Jilin Province for agriculture, rural areas and farmers, supporting the basic principles of county economic development and persisting in institutional innovation. Reconstructing the credit management system and business process for agriculture, rural areas and farmers, and rationally coordinating the urban and rural business and other specific countermeasures.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F327

【参考文献】