基于微型金融理论的海洋渔业发展探究

Preliminary Study on Marine fishery Financing based on Micro-financial Theory

论文以三种农村金融理论为背景并结合海洋渔业融资具有风险性、季节性及资金范围广等的特点,运用定性分析法剖析海洋渔业融资中存在的问题及发展海洋渔业融资的必要性,发现农村金融是影响海洋渔业发展的关键因素。鉴于此,论文提出基于微型金融理论的措施保障,包括检验性贷款和后续贷款承诺机制、小组联保机制及"中心会议"监督机制、分期偿还和强制储蓄机制,以期为国家的海洋生态文明建设提供参考支撑。

This paper thinks that rural finance is the key factor affecting the development of Marine fisheries based on three rural financial theory and combining the characteristics of Marine fisheries financing, such as the marine fisheries financing risk, the characteristics of seasonal and wide scope of capital etc., analyses the problem of marine fishery financial and the need to develop financial support for marine fisheries. In view of this, this paper puts forward supporting measures based on the micro-finance theory, including financial facility and subsequent loan commitments, coinsurance group and conference center supervision mechanism, amortization and compulsory savings mechanism, so as to provide reference for the country＇s marine ecological civilization construction.