黑龙江省佳木斯汤原农场农户资金借贷问题研究农业经济管理本科毕业论文.docVIP

黑龙江省佳木斯市汤原农场农户资金借贷问题研究 [摘 要] 农村的经济发展离不开农村金融的支持，发展资金不足一直是困扰农村经济发展的主要障碍。农户虽然是农村经济的最小经济单位，但它却是农村资金的主要供给者，农村金融的服务对象。农户资金借贷如同一把双刃剑。一方面，农户资金借贷游离于官方金融体制之外，长期以来，得不到官方部门的重视，加上资金借贷具有自发性，缺乏外部约束，一旦发生资金链断裂等事故，往往会引发连锁不良反应，严重时会危害社会安定，因而具有很大风险，是官方重点的管制对象。但另一方面，农户资金借贷确实对我国的农村经济发展，对农户的生产经营起到了相当大的促进作用。因此，我们必须深刻认识农户资金借贷的双刃性，以法律形式明确其在金融体系中应有的地位，引导和规范发展其有利于经济和社会的方面，消除其负面影响，从而更好地推动农村经济的进一步发展。目前，农户资金信贷问题仍存在诸多问题。本文通过研究农户资金信贷现状，发现农户资金信贷存在的问题，并针对性的提出优化农户资金信贷的一些建议。 [关键词] 农村金融 农村借贷 农户资金 汤原农场 In Jiamusi City, Heilongjiang Province the Tangyuan Farm Farmers Borrowing of Funds Studies [Abstract] Rural economic development is inseparable from the rural financial support, lack of development funds has been a major obstacle to rural economic development problems. Although farmer is the minimum economic unit of the rural economy in our country, but it is the main supply of rural finance, Therefore, borrowing behavior characteristics and financial effects of the countryside not only to promote and deepen the reform of rural financial institutions, and to provide reference for the government to formulate the relevant policy of agricultural credit. On the one hand, the farmers borrowing outside, the official financial system for a long time, not the official departments attention, and borrowing is spontaneous, the lack of external constraints, once the capital chain rupture, often will trigger a chain of adverse reactions, serious when can harm social stability, thus has the very big risk, is the official key control object. But on the other hand, the farmers borrowing is on Chinas economic development, especially the development of growth and development of private enterprises and small and medium-sized enterprises, to the peasant household production, private economy has played a considerable role in promoting. Therefore, we must have a profound understanding of the double-edged nature of lending funds, in the form of law in our country should have its position in the financial system, to guide an