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《解決農(nóng)村融資難題 加快農(nóng)村經(jīng)濟(jì)發(fā)展 金融畢業(yè)論文》由會(huì)員上傳分享，免費(fèi)在線閱讀，更多相關(guān)內(nèi)容在學(xué)術(shù)論文-天天文庫(kù)。
1、解決農(nóng)村融資難題加快農(nóng)村經(jīng)濟(jì)發(fā)展【摘要】農(nóng)村融資困難，一直以來(lái)都是一個(gè)制約中國(guó)農(nóng)村和農(nóng)業(yè)健康發(fā)展的難題。現(xiàn)今情況下，農(nóng)村經(jīng)濟(jì)發(fā)展速度明顯加快，各種投資增長(zhǎng)較快，對(duì)資金的需求量增加，但是，從資金供給角度來(lái)看，農(nóng)村經(jīng)濟(jì)中直接融資和間接融資都存在很大障礙。資金供給增長(zhǎng)不快，資金供需缺口較大等等這些難題嚴(yán)重地制約了農(nóng)村經(jīng)濟(jì)的可持續(xù)健康發(fā)展。中國(guó)農(nóng)村金融體系的健康發(fā)展是農(nóng)村經(jīng)濟(jì)主體的正常金融需求，對(duì)于促進(jìn)農(nóng)村經(jīng)濟(jì)的可持續(xù)發(fā)展，促進(jìn)農(nóng)民收入的穩(wěn)定增長(zhǎng)，維護(hù)國(guó)民經(jīng)濟(jì)的有序平穩(wěn)運(yùn)轉(zhuǎn)具有至關(guān)重要的作用。但是，在金融體系建設(shè)中，農(nóng)村經(jīng)濟(jì)實(shí)體融資難
2、已經(jīng)成為制約農(nóng)村經(jīng)濟(jì)發(fā)展的瓶頸。?文章從融資需求的現(xiàn)狀和特征，農(nóng)村融資難的原因，以及其對(duì)經(jīng)濟(jì)發(fā)展的阻礙，解決農(nóng)村融資問(wèn)題的建議措施幾個(gè)方面分析當(dāng)前我國(guó)農(nóng)村金融體系中存在的融資難的問(wèn)題，以期解決當(dāng)前中國(guó)農(nóng)村融資現(xiàn)狀之困局?！娟P(guān)鍵詞】融資難；經(jīng)濟(jì)發(fā)展；資金需求；農(nóng)村經(jīng)濟(jì)體系[Abstract]TheDifficultiesoffinancinginruralareashasalwaysbeenaconstraintonthehealthydevelopmentofChina'sruralandagriculturalproblem
3、s.Now,ruraleconomicdevelopmenthassignificantlyaccelerated,avarietyofinvestmentgrewfaster,anddemandforfundsIncreased.ButFromthepointofmoneysupply,thereisabigobstacleintheruraleconomyaboutdirectandindirectfinancing.Difficultiessuchastheslowgrowthinmoneysupplyandthegap
4、betweensupplyanddemandoffundshaveseriouslyhampereddthesustainableandhealthydevelopmentoftheruraleconomy.ThehealthydevelopmentofChina'sruralfinancialsystemisthenormalfinancialneedsoftheruraleconomythemain.Ithasacrucialroleforthepromotionofthesustainabledevelopmentofr
5、uraleconomy,thepromotionofthesteadygrowthoffarmers'income,andtomaintainorderlyandsmoothfunctioningofthenationaleconomy.But,inthefinancialsystem,thefinancingdifficultiesofruraleconomicentitieshavebecomeabottleneckrestrictingthedevelopmentoftheruraleconomy.Inthearticl
6、e,IanalyzetheproblemoffinancingofChina'sruralfinancialsystem,andgiveafewsuggestionstosolvetheproblemofruralfinance.TheaimistosolvethecurrentstatusofChineseruralfinance.【Keywords】DifficultiesinfinancingTheconstructionofruralfinancialsystemEconomicdevelopmentCapitalre
7、quirement目錄1.背景………………………………………………………………………………………………………22．分析我國(guó)農(nóng)村的融資現(xiàn)狀…………………………………………………………………………………32.1農(nóng)村金融結(jié)構(gòu)的轉(zhuǎn)變及融資問(wèn)題的產(chǎn)生72.2農(nóng)村資金供需不均衡，融資缺口不斷擴(kuò)大………………………………………………………………32.3融資渠道窄，資金來(lái)源少，融資形式單一，對(duì)信貸資金依賴性強(qiáng)……………………………………32.4融資利率高，費(fèi)用多，成本大，投資回報(bào)低，經(jīng)濟(jì)發(fā)展負(fù)擔(dān)重………………………………………33分析農(nóng)村融資
8、難的原因……………………………………………………………………………………33.1農(nóng)村金融體系不健全，服務(wù)水平低，金融機(jī)構(gòu)信貸管理效率低，對(duì)中小企業(yè)和農(nóng)戶限制高………33.2金融生態(tài)環(huán)境不佳，制約銀行信貸投放………………………………………………………43.3農(nóng)村資金外流加劇了融
