典型省份农信社小额农贷发展经验及对黑龙江省的启示

按照央行及银监会的相关要求,更为了满足相对弱势群体农户的金融需求,作为农村金融市场的主力军,各地农村信用社将竞争意识、营销意识、风险意识和服务意识相结合,扎根农村、立足"三农",不断进行金融创新,扩大了农户小额贷款的覆盖范围。其中,江西省、江苏省和山东省农村信用社结合地域特点,创造了更具特色的小额农贷发展模式。文章在重点介绍其发展经验基础上,总结了对黑龙江省农村信用社的启示。     

我国外汇储备规模的计量模型与实证分析

我国外汇储备规模受我国进口水平、外商直接投资、货币供给、汇率、外债规模等众多因素的影响 ,通过回归分析和相关分析的经济数学计量方法建立了我国外汇储备的计量模型 :Re =f(MM ,M’2 ,DEB) .并运用我国 1985～ 1997年的数据实证检验了这一模型 ,证明了该模型可以通过实践的检验 ,具有一定的科学性。     

传统农区走新型工业化道路分析

传统农区的经济发展路径应是在推进农业现代化、产业化和城市工业的前提下,因地制宜地探索农区新型工业化道路。传统农区走新型工业化道路并不单纯等同于在传统农区办工业,而是在农村社区范围内按照新型工业化的理念和方式建立和发展工业及其他非农产业,并改造包括传统农业在内的农村经济乃至整个农村社会,最终实现经济社会一元化的过程。这一发展道路的推进具有现实性和可行性,并有可能通过主导产业培育、承接产业转移、产业集群和生态工业发展这一路径获得实现。

Abstract：

The path of economic development in traditional agricultural areas should explore the road of new industrialization of agricultural areas according to local conditions,with the premise of promoting agricultural modernization,industrialization and urban industrial.Traditional agricultural areas taking a new road to industrialization are not simply the same as running industry in the traditional agricultural areas,but building and development of industrial and other non-agricultural industries with the new industrialization of the concepts and approach in the context of rural communities,transforming the rural economy including traditional agriculture even the entire rural community,and ultimately realizing the process of economic and social unification.Promoting this development path has its reality and feasibility,and probably are achieved by cultivating predominate industry,accepting industry to transfer,gathering industry cluster and ecosystem industry to develop the path.