农村金融发展中的政府行为研究

发布时间：2018-01-16 11:43

本文关键词：农村金融发展中的政府行为研究　出处：《华中师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国是一个人口大国,也是一个农业大国,农村人口多,贫困现象突出。农民生活质量的改善、农业生产的增长、农村经济的发展对于我国未来社会全面协调可持续发展,有着深刻的影响,但我国农村金融市场发育迟缓,资金需求与供给矛盾突出,大量中低收入者处于信贷服务的边缘,资金短缺已成为制约我国农村经济发展的主要因素。为了解决农户和中小企业融资难的问题、培育农村金融市场,自小额信贷模式引进以来,小额信贷已经成为帮助农民脱贫致富、加速农村经济发展的重要手段之一,在扶贫、支持中小企业发展、解决就业等方面的重要性日渐显现。在我国农村小额信贷体系中,政府既不是资金供给者,也不是资金需求者,但其在稳定宏观经济环境、完善市场机制、提高资源配置效率、调节市场供求关系、规范市场行为等方面有着重大影响。国内外诸多学者从多方面对小额信贷进行了深入的研究,具有很强的针对性和可操作性,但由于各国在制度环境、历史传统、市场发育程度方面都不一样,所以探讨政府在农村金融发展中应该如何定位、如何介入,对于完善农村小额信贷体系、促进农村经济发展有着重要意义。本文在结构上共分为六个部分：第一部分为绪论,叙述了本文的选题背景和意义,并对国内外相关研究情况进行了概述；第二部分对相关概念及理论进行了阐述；第三部分对小额信贷的发展阶段、相关的政策进行了梳理,对目前农村各主体的信贷需求特点进行了分析；第四部分对政府在农村金融发展中的作用、行为方式、角色定位及介入方式进行了探讨；第五部分在上述研究基础上分析了湘西州小额信贷的发展情况和自身存在的主要问题；第六部分提出了进一步优化农村金融发展中政府行为的建议。本文的创新之处是运用系统分析的方法,将农村小额信贷市场视为一个统一的系统进行分析,研究了这个系统中不同主体的信贷需求和信贷特点。根据系统内各主体的相互关系以及面临的问题,结合我国小额信贷市场存在的市场结构失衡、金融供给和需求的双重不足、市场发育和制度建设的双重缺失三大特征,对政府角色的合理定位和有效介入进行了探讨。
[Abstract]:China is a large population, is also a large agricultural country, rural population, poverty, the improvement of the quality of life of farmers, the growth of agricultural production. The development of rural economy has a profound impact on the overall coordinated and sustainable development of our society in the future, but the rural financial market in China is slow to grow, and the contradiction between capital demand and supply is prominent. A large number of low- and middle-income people are on the edge of credit services, and the shortage of funds has become the main factor restricting the development of rural economy in China. In order to solve the problem of financing difficulties of farmers and small and medium-sized enterprises, we should cultivate the rural financial market. Since the introduction of micro-credit model, microfinance has become one of the important means to help farmers get rid of poverty and accelerate the development of rural economy, in poverty alleviation, support the development of small and medium-sized enterprises. The importance of solving employment is becoming more and more obvious. In our country's rural micro-credit system, the government is neither a fund supplier nor a fund demanders, but it is stabilizing the macroeconomic environment and perfecting the market mechanism. Improving the efficiency of resource allocation, regulating the relationship between supply and demand in the market, standardizing market behavior and other aspects have a significant impact. Many scholars at home and abroad have conducted in-depth research on microfinance from many aspects. It has strong pertinence and maneuverability, but because of different countries in the system environment, historical tradition, market development degree are different, so the government in the rural financial development should be how to position, how to intervene. It is of great significance to improve the rural micro-credit system and promote the development of rural economy. The structure of this paper is divided into six parts: the first part is the introduction, describes the background and significance of this topic, and summarizes the relevant research situation at home and abroad; The second part expounds the related concepts and theories. The third part of the development stage of microfinance, the relevant policies were combed, the current rural main credit demand characteristics were analyzed; Part 4th discusses the role of the government in the development of rural finance, behavior, role positioning and intervention; On the basis of the above research, the 5th part analyzes the development of micro-credit in Xiangxi and its own main problems. Part 6th puts forward some suggestions on how to optimize the government's behavior in rural financial development. The innovation of this paper is to use the method of system analysis to analyze the rural microfinance market as a unified system. This paper studies the credit demand and credit characteristics of different subjects in this system. According to the relationship and problems of the main bodies in the system, combined with the market structure imbalance of the microfinance market in China. This paper probes into the reasonable orientation and effective intervention of the government's role in the three characteristics of the double deficiency of financial supply and demand and the double deficiency of market development and system construction.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35;D630

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