我国农村政策性金融立法问题研究

发布时间：2018-06-21 23:55

本文选题：农村 + 政策性金融　；参考：《西北大学》2015年硕士论文

【摘要】：近几年来,我国农村政策性金融的发展为农村经济的发展提供了所需的部分资金和支持,但是在发展的过程中,我国农村政策性金融制度的一系列问题也暴露了出来。我国农村政策性金融的立法不健全,在运行中存在许多的问题,而国外农村政策性金融制度起步时间比较早,在农村政策性金融的立法建设和完善方面积累了很多的经验和教训,对我国农村政策性金融的立法完善有很多有益启示。通过分析美国、日本等发达国家和印度等发展中国家的农村政策性金融的法律制度,对国外的农村政策性金融制度的经验进行总结可知,凡是农村政策性金融制度健全的国家普遍重视法律的规范和保障作用,采用了立法先行的方法,并且在发展的过程中不断的完善。文章首先综合性的阐述了农村政策性金融的基本理念,具体介绍了农村政策性金融的概念、特征和功能,对何为农村政策性金融有一个清晰的认识；然后分析了我国农村政策性金融在运行中出现的问题和现行的法律法规,包括机构立法层次和监管层次的法律文件；最后根据我国农村政策性金融立法建设中存在的问题和需要,如立法缺失、定位不明确、监管不力、业务范围狭窄、组织制度不完备等提出完善我国农村政策性金融制度的立法对策,主要包括农村政策性银行、农村政策性保险和农村政策性金融监管。
[Abstract]:In recent years, the development of rural policy-oriented finance in China has provided some necessary funds and support for the development of rural economy, but in the process of development, a series of problems in the rural policy-oriented finance system of our country have also been exposed. The legislation of rural policy-oriented finance in our country is not perfect, and there are many problems in its operation. It has accumulated a lot of experience and lessons in the legislative construction and perfection of rural policy-oriented finance, which has a lot of beneficial enlightenment to the legislative perfection of rural policy-oriented finance in our country. By analyzing the legal system of rural policy-oriented finance in the developed countries such as the United States, Japan and other developing countries such as India, and summing up the experience of the rural policy-oriented finance system in foreign countries, Countries with sound rural policy-oriented financial system generally attach importance to the normative and protective role of law, adopt the method of legislation first, and continue to improve in the process of development. At first, the paper expounds the basic concept of rural policy finance, introduces the concept, characteristics and functions of rural policy finance, and has a clear understanding of what is rural policy finance; Then it analyzes the problems in the operation of rural policy-oriented finance in China and the current laws and regulations, including the legal documents at the level of institutional legislation and supervision. Finally, according to the existing problems and needs in the construction of rural policy-oriented finance legislation in China, such as the lack of legislation, unclear positioning, weak supervision and narrow scope of business, The organization system is not perfect, and so on, and puts forward the legislative countermeasures to perfect the rural policy finance system of our country, mainly includes the rural policy bank, the rural policy insurance and the rural policy finance supervision.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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