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时间:2017-08-04
《浙江省农村消费信贷发展中的问题和对策研究【毕业论文】》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、毕业论文(2010届)浙江省农村消费信贷发展中的问题和对策研究I摘要个人消费信贷是引导消费、推动我国经济健康发展的一项重要经济政策,对扩大内需产生强大的拉动力量。在我国新农村建设与农村金融的改革与发展中,农村消费信贷是一个不容忽视的环节。浙江省作为我国经济发达的省份,金融市场上资本活跃,民间金融发展迅速,这都在不同程度上影响农村消费信贷的发展。从地方特有的经济环境下通过对消费信贷各个决定因素的调查分析,了解农村消费信贷需求和供给的真实情况并探索其解决之道,对我国农村经济的发展有着重要的现实意义。本文通过分析统计年鉴以及调研问卷所得数据,从农村消费信贷需求和供给这两方面因素研究浙江省农村消
2、费信贷市场的发展现状,并对浙江省农村消费贷款满足程度做了初步调查以判断其是否存在信贷约束,指出农村消费信贷发展中存在着供求失衡的问题。最后,基于分析所得提出均衡消费信贷供求的几点建议。即采取有效措施提高农户消费贷款可获得性,同时也要认识到非正规金融存在的必然性和积极作用,推进农村金融机构多元化改革;建立财政补贴和风险补偿机制,完善农户贷款担保体系;尽快建立和完善农户信用征信体系,加强农村信用工程建设。关键词:农村消费信贷;需求分析;供给分析IVAbstractConsumercreditisanimportanteconomicpolicywhichcanguideconsumption
3、topromotetheeconomicgrowsustainedlyandhealthilyandbecomesandrivingforcetoexpanddomesticdemand.Itisalinkthatshouldnotbeneglectedinthebuildingofanewsocialistcountrysideandthedevelopmentofruralfinancialreform.Zhejiang,asoneofthemostdevelopedprovinceinChina,thedevelopmentofruralconsumercredithas-tova
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6、jiangforthecreditconstraintsandattributetheproblemtoamismatchbetweensupplyanddemandinthedevelopmentofruralconsumercredit.Finally,severaladvicesofrealizingthebalancebetweenconsumercreditsupplyanddemandhavebeenmade.Weshouldnotonlytakeeffectivemeasurestoimprovetheconsumercreditavailability,butalsore
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