基于新农村建设视角下的农村金融创新研究

发布时间：2018-02-27 13:33

本文关键词： 社会主义新农村农村金融金融创新　出处：《江西农业大学》2016年硕士论文　论文类型：学位论文

【摘要】：自改开放以来,我国农村社会经济经历了30余年的高速发展,农村金融也已经在农村取得长足的发展,当前农村已经形成了以正规金融为主体,非正规金融为补充的金融体系,且农村金融已经从最初的几个省份试点,不断完善并推广至全国农村地区,已经成为我国农村经济发展过程中实现资源优化配置的重要工具,在农村经济社会发展中的贡献尤为突出。但是,受到我国农村整体收入水平不高、城乡二元结构、农村居民收入增速放缓以及城乡收入差距加剧等因素的影响,农村金融服务还存在诸多的缺陷和弊端。党的十六届五中全会上将农村金融发展提到了突出位置,高度重视我国当前的农村金融问题,提出要不断深化我国农村金融体制改革,加大农村金融创新的力度和水平,认为农村金融发展是整个农村经济发展的前提和必备条件。此后,国家开始有步骤有计划的推进农村金融体制改革,推动农村金融健康快速发展。近年来,虽然我国在走向城镇化以及工业化的过程中已然提速,但农村在社会经济层面的问题却还没有得到有效的同步伐长足发展,农村问题明显且尤为突出。这些问题突出表现在食品产量下滑、农民收入增长困难、城乡差距不断拉大等。在社会主义新农村建设指导思想确立之后,“三农”已经成为党和国家工作的重中之重。我国在新式农村建设过程中坚持和贯彻的方针以及政策是“多予、少取、放活”等,并致力于增强和完善经济在农村中的发展水平和道路,致力于提升全国大部分农民兄弟的生活水平以及质量。为了这一政策的很好执行和贯彻,国家就必须帮助农村进行农村金融体制的长足有效发展,以此来确保在新式农村建设过程中有充足的经济来源和强大资金后盾。本文从社会主义新农村建设的角度出发,通过对农村金融发展的现状和背景研究,对我国农村金融创新进行了分析和阐述。第一部分,总论部分。通过对我国农村金融发展研究的目的、意义、背景及国内外研究综述,为全文研究奠定基石;第二部分,研究相关概念和理论基础。详细阐释了农村金融的概念和含义,并对涉及农村金融的农村金融市场理论、不完全竞争理论、局部知识理论以及金融创新理论的主要观点和内容进行了阐述和分析,为全文的写作奠定了坚实的理论基础;第三部分,我国农村金融的现状及原因分析。详细分析了我国农村金融体系、机构、监管、服务等方面存在的问题,并针对这些问题产生的原因进行了分析阐述;第四部分,我国农村金融创新对策分析。对农村金融发展的体系、法规、产品及外部环境的完善等角度提出一些切实可行的对策建议。
[Abstract]:Since the reform and opening up, China's rural social economy has experienced more than 30 years of rapid development, rural finance has also made great progress in rural areas, the current rural areas have formed a formal finance as the main body, informal finance as a supplement to the financial system. And rural finance has been improved and extended to rural areas from the first few provinces, which has become an important tool to realize the optimal allocation of resources in the process of rural economic development in China. The contribution to rural economic and social development is particularly prominent. However, it is affected by the low level of overall rural income, the dual structure of urban and rural areas, the slowing down of income growth rate of rural residents and the widening income gap between urban and rural areas. The Fifth Plenary session of the 16 CPC Central Committee put the development of rural finance in a prominent position, attached great importance to the current rural financial problems in China, and proposed to deepen the reform of the rural financial system in China. To increase the intensity and level of rural financial innovation, it is believed that the development of rural finance is the prerequisite and necessary condition for the development of the whole rural economy. Since then, the state has started to promote the reform of the rural financial system in a planned way. Promoting the healthy and rapid development of rural finance. In recent years, although China has increased its speed in the process of urbanization and industrialization, the problems in the social and economic aspects of the rural areas have not yet been developed at an effective pace and by leaps and bounds. Rural problems are obvious and particularly acute. These problems are manifested in the decline in food production and the difficulty in increasing farmers' incomes. The gap between urban and rural areas is widening and so on. After the establishment of the guiding ideology of building a new socialist countryside, the "three rural areas" have become the most important task of the Party and the state. The principles and policies that our country adheres to and implements in the process of new-type rural construction are "more and more." In order to implement and carry out this policy well, we are committed to enhancing and improving the level and road of economic development in rural areas, and to improving the living standards and quality of most of the peasants' brothers in the country. The country must help the rural areas to develop the rural financial system rapidly and effectively, so as to ensure that there are sufficient economic sources and strong financial backing in the process of new-type rural construction. Through the research on the present situation and background of rural financial development, this paper analyzes and expounds the innovation of rural finance in China. The first part, the general discussion, through the purpose, significance, background and domestic and foreign research summary of the research on rural financial development in China. In the second part, the related concepts and theoretical basis are studied. The concept and meaning of rural finance are explained in detail, and the theory of rural financial market, the theory of incomplete competition, which involves rural finance, is discussed in detail. The main viewpoints and contents of local knowledge theory and financial innovation theory are expounded and analyzed, which lays a solid theoretical foundation for the writing of the full text. The present situation and causes of rural finance in China are analyzed in detail. The problems in rural financial system, institution, supervision and service are analyzed in detail, and the causes of these problems are analyzed and explained. Part 4th, This paper analyzes the countermeasures of rural financial innovation in China, and puts forward some feasible countermeasures and suggestions for the improvement of the system, regulations, products and external environment of rural finance development.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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