新农村建设中的金融机构创新初探

发布时间：2017-12-31 05:05

本文关键词：新农村建设中的金融机构创新初探　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：为贯彻科学发展观、“十二五”规划,构建和谐社会,新农村建设是我国农村发展和改革进入新的历史阶段的必然选择。所需资金的来源问题是新农村建设中要解决的一个核心问题。由于建设新农村所需的时间较长、耗资巨大,且绝大多数的在建项目不属于社会公共产品性质,因此,所需资金不可能全部由财政出资。只有全力推动农业现代化,加强完善农村的金融体系建设,全面激活庞大的农村消费市场,才能够真正加快社会主义新农村建设,利用扩大内需的经济抓手大幅提升新农村经济增长。因此,新农村建设的核心在于必须加强农村金融创新。对农村进行金融创新的重点是按照农村经济发展需求,结合农村各类金融服务的功能,进行金融组织体系的创新,产品的挖掘与重组,实现服务内容、服务产品的极大丰富,服务效率的大幅提升,充分发挥金融支农的巨大作用。当前我国金融体系中最薄弱的环节之一仍然是农村金融,我国农村正规金融机构的商业化改革取向使得对“三农”服务的支持力度明显减弱。现存金融体系无力破解当前中国农村金融融资难的困境,远远不能支撑我国新农村建设的资金需要,政府寄希望于能够从农村市场的内部培养出新兴金融元素,从而构建一个具有“内生性”的农村金融体系。本文研究目的在于：在社会主义新农村建设背景下,通过创新农村金融机构带动新农村建设,积极思考农村金融机构创新的工作思路,并具有针对性地提出农村金融机构创新的政策建议。本文的研究对象是新农村建设背景下的我国农村金融机构创新。研究目的在于：通过将新农村建设与农村金融机构创新结合起来,探索能够支持新农村建设的农村金融机构创新思路,在此基础上提出农村金融机构创新的政策建议。研究的理论意义在于：通过对新农村建设及金融创新相关文献的梳理,并且借鉴国外关于农村金融机构创新实践的成功经验,为我国在新农村建设背景下的农村金融机构创新提供参考,在一定程度上丰富了农村金融理论。研究的实践意义在于：通过对我国农村金融机构创新现状的研究,剖析农村金融机构创新实践中存在问题的深层次原因,深入探究农村金融机构创新的发展思路,持续优化完善农村的金融体系、更好地为我国新农村建设服务提供政策理论和实践依据。本文的研究主要由七章组成。第一章是绪论部分,主要阐述本文的选题背景、研究目的、研究的理论意义与实践意义、以及研究思路与方法。第二章是文献综述部分,整理与阐述前人关于社会主义新农村建设、农村金融以及金融创新等领域的相关研究。第三章介绍我国新农村建设中的金融机构创新现状及存在的问题。第四章重点介绍国外关于农村金融机构创新的实践及借鉴。第五章介绍我国新农村建设中的金融机构创新的相关案,并进行阐述与分析。第六章提出我国新农村建设中的金融机构创新的思路。第七章总结回顾。本文的主要政策建议是：降低民间资本进入农村金融市场的门槛；拓宽新型农村金融机构的融资渠道；加大对服务“三农”的金融机构的政策扶持力度；促进新型农村金融机构可持续发展。
[Abstract]:In order to carry out the scientific development view , the 12th Five - Year Plan and the construction of a harmonious society , the new rural construction is the inevitable choice for the rural development and the reform to enter a new historical stage . The source of the required funds is a core problem to be solved in the new rural construction . The focus of the financial innovation on the rural economy is to carry out the innovation of the financial organization system according to the needs of the rural economic development , combine the function of the rural financial services , carry out the innovation of the financial organization system , the service product is greatly enriched , the service efficiency is greatly improved , the support of the rural finance is fully exerted . The present financial system is unable to crack down the financing needs of the new rural construction of our country . The aim of this paper is to construct a rural financial system with " inner life " . The aim of this paper is to make a positive consideration to the work thought of the innovation of rural financial institutions through innovative rural financial institutions , and to put forward the policy suggestions for the innovation of rural financial institutions . The research object of this paper is the innovation of rural financial institutions in China under the background of new rural construction . The research aim is to explore the innovative thinking of the rural financial institutions that can support the new rural construction by combining the new rural construction with the innovation of the rural financial institutions , and put forward the policy suggestions for the innovation of the rural financial institutions . The theoretical significance of the research is to provide a reference for the innovation of rural financial institutions in the context of new rural construction , and enrich the rural financial theory to a certain extent through the review of the relevant literatures about new rural construction and financial innovation . The practical significance of the study lies in the analysis of the present situation of rural financial institutions in China , analyzes the deep causes of the problems existing in the innovative practice of rural financial institutions , explores the development ideas of innovative rural financial institutions , continuously optimizes the rural financial system , and provides policy theory and practical basis for the new rural construction service in our country . Chapter Three introduces the current situation and problems of financial institutions in the construction of new rural financial institutions in China . Chapter Three focuses on the practice and the reference for the innovation of financial institutions in the construction of new rural financial institutions . Chapter Three introduces the relevant cases of innovation of financial institutions in China ' s new rural construction . The main policy of this paper is to reduce the threshold of private capital entering the rural financial market , widen the financing channel of the new rural financial institutions , increase the policy support of the financial institutions serving " three farmers " , and promote the sustainable development of the new rural financial institutions .

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

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