浅析我国农村金融有效供给问题

发布时间：2018-03-18 06:01

本文选题：农村金融　切入点：供需现状　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：2004年至2013年,中央一号文件连续十年聚焦“三农”问题,可以看出国家“大力发展农业、增加农民收入”的主题贯彻始终,我国农业发展迅猛。与此同时,农业基础薄弱所导致的农民自我积累、自我发展能力较差,农业生产企业和农民投入不足,银行、财政的扶持有限,资金有效供给不足等问题都成为我国现代农业发展的关键制约因素。因此,目前农村地区金融资源配置不平衡、体系不完善、功能不完备、基础设施不配套、扶持政策不到位等问题的解决,有赖于合理有效的农村金融供给体系的建立和可持续发展的农村金融环境的构建。这是我国农村经济发展乃至整个新农村建设不可或缺的重要环节。加快农村金融体制的改革与创新,极大地影响我国农村经济社会的和谐发展。本论文在多方收集资料和数据的基础上,分析我国农村金融的需求特征和供给现状,尤其是深度分析了金融供给存在的问题。作者发现的主要问题是：农村金融供给体系不完善,金融机构功能定位不明确,农村金融服务功能整体弱化以及农村金融良性发展环境缺失等。具体的表现为：农村金融机构数量和业务在县以下行政区划快速萎缩；城乡差距越拉越大,农村资金向城市逆向流动；农村金融服务整体满足不了“三农”要求。本论文通过对欧美发达国家、亚洲发展中国家以及国内部分城市农村金融制度的比较研究,在综合已有研究成果的基础上,提出了保障我国农村金融合理有效供给的对策,包括建立层次多样、覆盖广泛、可持续的农村金融体系,推进创新,加强扶持和沟通协调,从而构建积极有效、协调配套的长效供给机制。
[Abstract]:From 2004 to 2013, the first document of the Central Committee focused on the issue of "agriculture, countryside and farmers" for ten consecutive years. It can be seen that the national theme of "vigorously developing agriculture and increasing farmers' income" has been throughout, and China's agriculture has developed rapidly. At the same time, As a result of the weak agricultural foundation, farmers' self-accumulation and self-development ability are poor, agricultural production enterprises and farmers are inadequately invested, and bank and financial support is limited. The lack of effective supply of funds has become the key restricting factor for the development of modern agriculture in our country. Therefore, at present, the allocation of financial resources in rural areas is not balanced, the system is not perfect, the function is not complete, and the infrastructure is not complete. Solutions to problems such as inadequate support policies, It depends on the establishment of a reasonable and effective rural financial supply system and the construction of a sustainable rural financial environment, which is an indispensable and important link in the development of rural economy and even in the construction of the whole new countryside. The reform and innovation of the financial system, It greatly affects the harmonious development of rural economy and society in our country. On the basis of collecting data and data, this paper analyzes the demand characteristics and supply status of rural finance in China. The main problems found by the author are: the rural financial supply system is not perfect, the function of financial institutions is not clear, The overall weakening of rural financial services and the absence of a sound environment for the development of rural finance. The specific manifestations are: the number of rural financial institutions and business in the administrative divisions below the county rapidly shrink; the gap between urban and rural areas is widening. Rural financial services can not meet the requirements of "agriculture, countryside and farmers". This paper makes a comparative study on the financial systems of developed countries in Europe and America, developing countries in Asia and some cities in China. On the basis of synthesizing the existing research results, this paper puts forward some countermeasures to ensure the rational and effective supply of rural finance in China, including the establishment of a rural financial system with diverse levels, wide coverage and sustainable development, the promotion of innovation, the strengthening of support and communication and coordination. In order to build a positive and effective, coordinated long-term supply mechanism.
【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】：F832.35

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