| Rural finance,as the core of modern rural economic resources allocation,is the key factor to boost rural economic development and increase farmers' income.Agricultural credit is an important part of rural finance to support rural economic development,and is also a key measure to promote rural financial poverty alleviation.In recent years,Chinese financial credit support for "agriculture,rural areas and farmers" has been gradually intensified,and the scale of agricultural credit and the breadth and depth of credit services have been significantly expanded.However,there is still a big gap in the actual rural financial demand,and the real agricultural sector is still facing the Real difficulties that Loans are expensive and hard to get,so it is difficult to obtain credit support.Weak risk control ability in our country's agricultural credit,credit service combined with a diversified financial services innovation,it is necessary to reform the rural credit environment,and practical problems,such as credit mortgage asset disposal of the difficulty is still very serious.By investigating its reasons,the main problem for it is that the current banking agricultural credit system is failed to give full play to the performance.Therefore,it is difficult to adapt to the development of modern agriculture and rural economy.Reasonable institutional arrangement and supporting mechanism construction play a vital role in improving the efficiency of rural financial resources allocation,reducing financial risks and promoting rural economic development.The agricultural credit system of the banking industry is an important part of China's rural financial system.With the development of agriculture and rural economy,the agriculture-related credit system of China's banking industry has undergone several changes,forming a pattern of increasingly perfect mechanisms such as cooperative finance,policy-based finance and commercial finance,division of labor and cooperation,common development,and financial supply,credit management,financial supervision,financial rule of law and credit supporting guarantee.The existence of such an institutional arrangement has its realistic objective rationality,which plays a positive role in promoting the development of "agriculture,rural areas and farmers" in China.However,through investigation,it is found that the current system is not efficient in the actual operation process of promoting the development of agriculture-related credit in the banking industry.Through the analysis on our country banking agricultural credit system efficiency,influence factors and behavior game between the main body,this article has found that the current overall country agricultural credit system's efficiency is not high,slow growth,and imbalance among different provinces,agricultural credit supply,and argues all the participants have greater impact on the decision-making of agricultural credit system efficiency.Therefore,scientific evaluation of the current banking system of agricultural credit in rural economy development and boost the effectiveness of increasing farmers' income,determine whether the policy is expected to achieve,accurate to judge the credit system and the problems to be settled urgently in the deep level reason,thought that the banking system of the agricultural credit provide theoretical basis for the optimization improvement and decision-making reference,it is also a crack of current financial poverty alleviation project.In this paper,based on the basic principles of economic law and the formal rationality and essential rationality organic unity of thinking,based on the system analysis framework and legal economics theory,through the historical evidence and a quantitative model to measure and analysis methods,the present situation of the agricultural credit system construction of our country banking,loss of utility system,analyzes the problems and reasons of put forward to build and improve the system of agriculture in China's banking industry credit system of the basic strategy,for the rich rural financial theory in our country,improve agricultural credit system in China's banking industry,to ensure the supply of agricultural production,promoting rural revitalization strategy,with high theoretical and practical value.The main research contents are as follows:The Introduction,starting from the research background and its theoretical and practical significance,this chapter summarizes domestic and foreign research reviews,establishes the basic research problems and research paths,defines the research objectives,paths and methods of this paper,Outlines the content framework of this paper,and points out the innovation and future research direction of this research.Chapter one is the theoretical basis of agricultural credit system in China's banking industry.This chapter firstly clarifies the basic concepts of agriculture-related credit in banking,agriculture-related credit system in banking and agriculture-related credit system efficiency in banking,and explains the internal mechanism of agriculture-related credit system in banking and rural economic development.And on this basis,this paper expounds the reality conditions of supply of agricultural credit system in China's banking industry and the development of this article studies in economics,rural finance,legal and institutional economics,economic law,and other fields related to capital formation,the financial development and institutional change and relevant theories,such as national appropriate intervention,provide theoretical support for this study.Chapter two is the historical changes of agricultural credit system in China's banking industry.From the perspective of historical development,based on the internal mechanism of agriculture-related credit system and rural economic development explained in the previous chapter,this chapter discusses the institutional changes of agriculture-related credit in banking industry under the background of China's financial system reform since the third plenary session of the 11 th central committee of the communist party of China,and profoundly analyzes the characteristics of The Times of institutional changes.The third chapter is the realistic evaluation of agricultural credit system in China's banking industry.In this chapter,through consulting a large number of statistical literature and data of rural finance in various provinces and cities in China,questionnaire survey,field visit,discussion and inquiry and other methods are adopted to make a comprehensive and in-depth investigation on the agriculture-related credit system of China's banking industry and its actual effects at the national and local levels.Through investigation,it is found that the institutional performance of agriculture-related credit in China's development banking industry is not obvious,and "financial restraint" is still the bottleneck restricting the development of modern agriculture.And argues that the current agricultural credit policy and related system in the financial supply,credit management,assessment,financial regulation legal system and related security shortcomings etc.,so that rural economic development is facing the restriction of credit system reform lag,banking financial institutions agricultural credit system supply is difficult to adapt to and meet the needs of the rural economic development.The fourth chapter is the economic analysis of agricultural credit system in China's banking industry.From the perspective of game theory,this paper analyzes the decision-making behaviors of regulatory departments,agriculture-related banking institutions and agriculture-related credit borrowers(agricultural enterprises and farmers),and reveals the internal performance mechanism behind agriculture-related credit financing.Using data envelopment analysis(DEA)method,this paper analyzes the input and output factors of rural banking system and mechanism operation of agriculture-related credit system,and evaluates the operation performance of agriculture-related credit system comprehensively and objectively.By using Tobit method,this paper analyzes the influencing factors of agriculture-related credit system in banking industry,and reveals the key factors influencing the effect of agriculture-related credit system.Based on deep insight into system inefficiencies,this article argues that the natural weakness of agriculture conflicts with the "three natures" of sustainable bank operation,agricultural bank credit management from the rural economic development,financial supervision orientation deviation from target on the loss of the concept of "legal" agricultural credit legal system construction lag,as well as the superposition of multiple relationship game in agricultural credit system dissimilation,affect the efficiency of agricultural credit system.Chapter five,International experience.This chapter is developed and developing countries respectively with representatives of the successful experience of agricultural credit system in practice,comprehensive carding summed up agricultural credit system construction and characteristics of the typical foreign countries,explore its implementation mechanism and the growth mode,in order to reform and perfect our country banking industry to promote agricultural credit system construction to provide experience to borrow.Chapter six is the construction of agricultural credit system mechanism in China's banking industry.On the basis of the practice of rural financial credit in China and the reference of international experience,this paper comprehensively analyzes the operation mechanism of agriculture-related credit system in the banking industry in rural areas of China,and explores the construction path of institutional optimization.Overall,build the agricultural credit system should adhere to the "fairness and efficiency,and the relation between regulation and incentive simultaneously" the overall train of thought,to regulate agricultural credit markets,support agriculture,rural areas and farmers development,and promote the essence of urban and rural fair,guarantee national food security as the basic goal,with economic efficiency,appropriate intervention,substantial justice and sustainable development of the regulation principle,characteristics and give full consideration to the rural economy,attaches great importance to agricultural credit system and the coordinated relationship between agriculture and rural economic development,to build a multi-level,wide coverage,sustainable agriculture banking credit system basic strategy recommendations.The innovative research of this paper mainly reveals from the institutional level that the root cause of the low efficiency of China's agriculture-related credit system lies in the fact that the current agriculture-related credit system of the banking industry is difficult to adapt to the actual needs of China's rural economic development due to its own shortcomings.Exploring agricultural credit system framework,build the rural banking is not only concerned with the problem of financial repression descriptive research,more focus on using interdisciplinary abundant theory resources,according to law by the theory Angle of view of economics,from an economic efficiency of fairness and justice of law and the two dimensions,judgment analysis of rural banking system of agricultural credit supply effect,analyze the influencing factors,and on the basis of empirical analysis to build the agricultural bank credit system efficiency evaluation system;It not only pays attention to the normative research method of law,but also pays attention to the empirical quantitative analysis of economics,avoiding the subjective value judgment of system,method and legal regulation.In addition,through the application of game theory in the new institutional economics,this paper tries to explore the motivation of transaction behavior among agricultural credit subjects and realize the diversification and integration of research methods. |
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