在社会经济建设过程中，金融是核心推动力。然而在县域经济可持续健康发 展的过程中，县域金融的发展也起到极为重要的促进作用。农村信用社作为县域 金融中不可或缺的重要组成，在推动县域金融、推动县域经济发展过程中起到极 为重要的促进作用。农村信用社如何在发展过程中实现高效的资本累积与资本配 置，如何提高农信社自身的发展实力极为关键，也是推动县域经济发展的重要前 提条件。当前很多县城内的农村信用社在发展过程中仍然面临着很多问题，从而 影响到农村信用社在推动县域经济发展中的作用成效。如何进一步帮助农村信用 社提高自身发展实力，从而更好地推动县域经济发展是本文研究的重点方向。 本文在关于 YG 县农村信用社助推县域经济发展的主题研究上，主要将研究 内容划分为五个部分，具体总结为：第一，针对文章主题的研究背景、意义等内 容展开论述，以期能够更好地明确文章思路，为后续研究工作的可持续开展打下 重要基础；第二，针对县域经济发展的概念、特征以及金融发展和经济增长等相 关理论进行论述，为文章主题的研究工作打下理论基础；第三，结合文献资料以 及 YG 县农村信用社所获取的相关数据资料进一步对农村信用社推动县域经济 发展的现状以及存有问题展开具体剖析；第四，提出相应的对策建议，分别从宏 观及微观层面出发提出具体解决对策来帮助 YG 县农村信用社在推动县域经济 发展上提高质量水平；第五，针对文章研究内容作出概括性总结，与此同时也针 对文章研究作出展望。 本文主要围绕 YG 县农村信用社在推动县域经济发展上面临问题展开研究， 对解决其中存有问题具有极大帮助。通过文章研究能够更好地帮助 YG 县农村信 用社解决在推动县域经济发展上存有问题，从而提高 YG 县居民的生活水平。与 此同时，本文关于主题的研究也能够为国内其他县级地区农村信用社在推动经济 发展上提供一定参考建议。 关键词：县域经济；农信社；经济发展昆明理工大学专业学位硕士学位论文 YG县农村信用社助推县域经济发展存在的问题及对策研究 II ABSTRACT The sustainable and healthy development of county economy has great influence on residents' life and national economic development, and has far-reaching influence on social and economic development. At the same time, the development of county economy can not be separated from the support of county finance. In the new development period, the development of county economy has new requirements for county finance. In the development of county finance, rural credit cooperatives are important financial institutions in county finance. How to realize capital accumulation and allocation is very important to promote county financial development. Based on the research on the theme of promoting county economic development by rural credit cooperatives in YG county, this paper mainly divides the research contents into five parts, which are summarized as follows: first, it discusses the research background and significance of the theme of the article, in order to better clarify the ideas of the article and lay an important foundation for the sustainable development of the following research work; second, it discusses the concepts and characteristics of county economic development and lays a theoretical foundation for the research of the theme of the article; Third, combined with the literature and the relevant data obtained by YG county rural credit cooperatives to further analyze the current situation and existing problems of rural credit cooperatives in promoting county economic development; fourth, put forward corresponding countermeasures and suggestions to help YG county rural credit cooperatives improve the quality level in promoting county economic development. This article mainly focuses on the problems faced by YG County Rural Credit Cooperatives in promoting county economic development, which is of great help to solve the existing problems. Article research can better help YG County Rural Credit Cooperatives solve problems in promoting county economic development, thereby improving the economic income and living standards of YG County residents. At the same time, the research on the subject of this article can also provide certain reference昆明理工大学专业学位硕士学位论文 YG县农村信用社助推县域经济发展存在的问题及对策研究 III suggestions for other county-level rural credit cooperatives in promoting economic development. Key words: County Economy;Rural credit cooperatives;Economic development昆明理工大学专业学位硕士学位论文 YG县农村信用社助推县域经济发展存在的问题及对策研究 i 目录 摘要................................................................................................................................I ABSTRACT......................................................................................................................II 第一章 绪论...............................................................................................................................1 1.1 研究背景、目的及意义..................................................................1 1.1.1 研究背景.................................................................................... 1 1.1.2 研究目的及意义........................................................................2 1.2 国内外研究现状..............................................................................3 1.2.1 国外研究现状............................................................................3 1.2.2 国内研究现状............................................................................4 1.3 研究思路、内容与方法..................................................................5 1.3.1 研究思路.................................................................................... 5 1.3.2 研究内容.................................................................................... 6 1.3.3 研究方法.................................................................................... 7 1.4 论文的创新点与不足之处..............................................................7 1.4.1 论文的创新点............................................................................7 1.4.2 论文的不足之处........................................................................7 第二章 相关概念和理论基础.........................................................................................9 2.1 县域经济概述..................................................................................9 2.1.1 县域经济的含义........................................................................9 2.1.2 县域经济的发展特征................................................................9 2.2 金融发展与经济增长相关理论....................................................10昆明理工大学专业学位硕士学位论文 YG县农村信用社助推县域经济发展存在的问题及对策研究 ii 2.2.1 金融发展理论..........................................................................10 2.2.1.1 金融结构理论....................................................................10 2.2.1.2 金融深化理论....................................................................11 2.2.1.3 金融约束理论....................................................................11 2.2.1.4 金融功能理论....................................................................11 2.2.2 经济增长理论..........................................................................11 2.2.2.1 古典增长理论....................................................................11 2.2.2.2 哈罗德—多马经济增长模型............................................12 2.2.2.3 新古典增长理论................................................................12 第三章 YG 农信社支持县域经济发展的现状及存在的问题............... 13 3.1 YG 县县域经济发展情况..............................................................13 3.2 YG 县农村信用社在县域经济发展中的地位及作用................. 13 3.2.1 YG 县农信社在县域经济发展中的地位................................14 3.2.2 YG 县农信社在县域经济发展中的作用................................15 3.3 YG 县农信社支持县域经济发展的现状......................................18 3.3.1 发展历程.................................................................................. 18 3.3.2 业务规模.................................................................................. 19 3.3.3 主要特点.................................................................................. 20 3.3.3.1 坚持服务“三农”..........