宁夏吴忠市农村金融发展对策研究

发布时间：2018-03-21 15:45

本文选题：宁夏吴忠市　切入点：农村金融　出处：《西北农林科技大学》2016年硕士论文　论文类型：学位论文

【摘要】：我国是传统的农业大国,农村金融在农村经济中占据着核心地位,为农村的改革和发展提供了非常重要的支持,也取得了很好的成效。但同时,西北欠发达地区如宁夏吴忠市的农村金融改革和发展也面临着许多的问题和挑战,需要不断加强机制和体制的建设,更好地适应宁夏吴忠市农村的经济发展,以促进城乡统筹发展。长期以来,由于受到多种因素的制约,农村金融的发展不规范,呈现出分散性、隐蔽性和不稳定性等特征,经常成为政府打击、取缔的对象。但是,在农村经济与社会发展领域,农村金融是一支不可忽视的重要支持力量,农村金融的发展对于解决“三农”难题也具有重要作用。农村融资困难,一直以来都是制约宁夏吴忠市农村经济和农业发展的瓶颈。尽管当前,宁夏吴忠市农村经济发展速度明显加快,各种投资增长也较快,对资金的需求量也日益增长。但是,从资金供给角度来看,农村经济中直接融资和间接融资都存在很大的障碍,如资金供给增长缓慢,资金供需缺口较大等问题严重制约了农村社会和区域经济的可持续健康发展。宁夏吴忠市农村金融体系的健康持续运行对促进农村经济发展、农民收入稳定增长、维护地区经济有序平稳运转都具有至关重要的作用。论文立足于我国西北农村金融体系发展的历史背景和现实环境,查阅并评述了国外农村金融体系的运行管理特征和组织方法,并对我国东部发达地区农村金融的发展路径和改革经验进行借鉴。同时,论文在对我国如青海、甘肃临夏、新疆南疆等西北欠发达地区农村金融进行调查和研究的基础上,明确了西北欠发达地区农村金融发展的总体特征,总结西北欠发达地区农村金融发展存在的问题。通过宁夏吴忠市的农村金融改革与发展情况的实证分析,结合西北欠发达地区存在的共性问题,在文章最后提出促进宁夏吴忠市农村金融发展的对策和建议。
[Abstract]:China is a traditional agricultural country, rural finance occupies a core position in the rural economy, which provides very important support for the reform and development of rural areas, and has also achieved good results. The rural financial reform and development in the underdeveloped areas of northwest China, such as Wuzhong City in Ningxia, are also facing many problems and challenges. It is necessary to constantly strengthen the construction of mechanisms and systems to better adapt to the rural economic development of Wuzhong City in Ningxia. In order to promote the overall development of urban and rural areas. For a long time, because of the restriction of many factors, the development of rural finance is not standardized, showing the characteristics of dispersion, concealment and instability, and has often become the object of the government to crack down and ban. In the field of rural economic and social development, rural finance is an important supporting force that can not be ignored. The development of rural finance also plays an important role in solving the problem of "agriculture, countryside and farmers". It has always been a bottleneck restricting the development of rural economy and agriculture in Wuzhong City, Ningxia. Although at present, the development of rural economy in Wuzhong City of Ningxia has obviously accelerated, the growth of various investments has also been relatively rapid, and the demand for funds has also been increasing day by day. From the point of view of capital supply, both direct and indirect financing in the rural economy have great obstacles, such as the slow growth of capital supply. The large gap between supply and demand of funds has seriously restricted the sustainable and healthy development of rural society and regional economy. The healthy and sustainable operation of the rural financial system in Wuzhong City of Ningxia has contributed to the development of rural economy and the steady growth of farmers' income. The thesis is based on the historical background and realistic environment of the development of rural financial system in northwest China. This paper reviews and comments on the operating and management characteristics and organization methods of foreign rural financial systems, and draws lessons from the development path and reform experience of rural finance in the developed areas of eastern China. At the same time, the paper is used for reference to China, such as Qinghai, Gansu, Linxia, China. On the basis of the investigation and study of rural finance in the underdeveloped areas of northwest Xinjiang, the overall characteristics of rural financial development in the less developed areas of northwest China are clarified. Through the empirical analysis of rural financial reform and development in Wuzhong City of Ningxia, combined with the common problems in the underdeveloped areas of Northwest China, the paper summarizes the existing problems of rural financial development in the underdeveloped areas of northwest China. Finally, the paper puts forward the countermeasures and suggestions to promote the development of rural finance in Wuzhong city of Ningxia.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

【参考文献】