农村金融毕业论文.docVIP

解决农村融资难题 加快农村经济发展 【摘要】 农村融资困难，一直以来都是一个制约中国农村和农业健康发展的难题。 现今情况下，农村经济发展速度明显加快，各投资增长较快，对资金的需求量，但从资金供给看，农村经济直接间接融资都存在障碍。资金供给增长不快，资金供需缺口较大严重制约了农村经济的持续发展。健康农村经济主体的正常金融需求，促进农村经济的持续发展农民收入的稳定增长，维护国民经济的有序平稳运转?文章从融资需求的现状和特征个方面分析当前我国农村金融体系中存在的问题，以当前农村现状之困局。[Abstract] The Difficulties of financing in rural areas has always been a constraint on the healthy development of Chinas rural and agricultural problems. Now, rural economic development has significantly accelerated, a variety of investment grew faster, and demand for funds Increased. But From the point of money supply, there is a big obstacle in the rural economy about direct and indirect financing. Difficulties such as the slow growth in money supply and the gap between supply and demand of funds have seriously hamperedd the sustainable and healthy development of the rural economy. The healthy development of Chinas rural financial system is the normal financial needs of the rural economy the main. It has a crucial role for the promotion of the sustainable development of rural economy, the promotion of the steady growth of farmers income, and to maintain orderly and smooth functioning of the national economy. But, in the financial system, the financing difficulties of rural economic entities have become a bottleneck restricting the development of the rural economy. In the article, I analyze the problem of financing of Chinas rural financial system, and give a few suggestions to solve the problem of rural finance. The aim is to solve the current status of Chinese rural finance. 【Keywords】 Difficulties in financing The construction of rural financial system Economic development Capital requirement ……………………………………………………………………………………………………… 2 2． 分析我国农村的融资现状…………………………………………………………………………………3 2.1 农村金融结构的转变及融资问题的产生 2.2农村资金供需不均衡，融资缺口不断扩大………………………………………………………………3 2.3 融资渠道窄，资金来源少，融资形式单一，对信贷资金依赖性强……………………………………3 2.4 融资利率高，费用多，成本大，投资回报低，经济发展负担重………………………………………3 3 分析农村融资难的原因……………………………………………………………………………………3 3.1农村金融体系不健全，服务水平低，金融机