农民融资困境的法律问题研究

发布时间：2019-01-12 10:35

【摘要】：农民融资难问题是近年来法学界和经济、金融学界探讨的热点话题。随着我国新农村经济建设的不断推进,农民融资难的问题已经成为制约“三农”发展的重要因素。那么解决好农村农民融资问题就是破解“三农”难题的关键。农村和农业进入“十三五”发展时期,面临着深化农村改革1的重大历史任务。伴随着经济发展,农民对资金需求的加大,反之农民缺乏抵押物,加上农村金融供给现状不足,政府的政策扶持与落实不完善等问题。农民资金短缺已经成为束缚农业经济增长和农民增收的重要因素,农村金融体制与农村经济发展的不适应问题更加凸显。而农民融资困境的有效解决不能缺少政策的扶持与法律的保障。因此研究农民融资中所存在的法律问题,对协调农民、政府、金融机构三者之间的关系,解决“三农”问题具有极其重要的意义。本文从农民融资相关理论出发,分析了区农民融资困境表现、农村金融市场的供给现状、深究农民融资困境内在法律原因,针对这些原因,提出相关法律与政策建议,以缓解农民融资困难,促进农村金融市场更好更快的发展。本文分为四个部分:第一部分是“三农”问题视野下的农民融资问题,简述农村金融发展的相关法律和政策理论。本文认为农民融资困境的解决对破解“三农”融资问题有着十分重要的作用。第二部分,是我国农民融资现状分析,通过梳理农村经济发达地区农民融资的成功经验,分析现阶段农民融资困境的解决不能一概而论。第三部分,深究农民融资困境的法律原因,具体从民法、金融法、农民专业合作社法三大方面进行阐述。第四部分,主要针对农民融资困境及法律原因,提出化解农民融资困境的法律政策建议,主要从完善立法、“两权”抵押、完善农村金融市场服务、建立农业保险体系、加强监管等方面。
[Abstract]:In recent years, the problem of farmers' financing is a hot topic in the field of law, economics and finance. With the development of new rural economy in our country, the difficulty of farmers' financing has become an important factor restricting the development of "agriculture, countryside and farmers". So to solve the problem of rural farmers financing is the key to solve the problem of agriculture, rural areas and farmers. Rural areas and agriculture have entered the development period of the Thirteenth five-year Plan and are facing the great historical task of deepening the rural reform. With the development of economy, the increase of farmers' demand for funds, on the contrary, the lack of collateral for farmers, coupled with the lack of rural financial supply, the government's policy support and implementation of imperfect and other issues. The shortage of farmers' funds has become an important factor that restrains the growth of agricultural economy and the increase of farmers' income. The problem of rural financial system and rural economic development is more prominent. The effective solution of farmers' financing dilemma can not be lack of policy support and legal protection. Therefore, it is of great significance to study the legal problems existing in farmers' financing to coordinate the relationship among farmers, governments and financial institutions, and to solve the problems of agriculture, rural areas and farmers. Based on the related theory of farmers' financing, this paper analyzes the performance of regional farmers' financing predicament, the present supply situation of rural financial market, explores the inherent legal reasons of farmers' financing difficulties, and puts forward relevant legal and policy suggestions for these reasons. In order to ease farmers financing difficulties, promote better and faster development of rural financial markets. This article is divided into four parts: the first part is the farmer financing problem in the view of the "three rural" problem, and briefly describes the relevant law and policy theory of rural financial development. This paper holds that the solution of farmers' financing dilemma plays a very important role in solving the financing problem of agriculture, rural areas and farmers. The second part is the analysis of the present situation of farmers' financing in our country. Through combing the successful experiences of farmers' financing in the developed rural areas, it is impossible to generalize the solution to the current difficulties of farmers' financing. In the third part, the legal reasons of farmers' financing dilemma are discussed in detail from three aspects: civil law, financial law and farmer's professional cooperative law. In the fourth part, aiming at the financing dilemma of farmers and the legal reasons, the author puts forward legal policy suggestions to solve the financing dilemma of farmers, mainly from perfecting legislation, "two rights" mortgage, perfecting rural financial market service, and establishing agricultural insurance system. Strengthen supervision and other aspects.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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