基于农村金融需求的我国新型农村金融组织发展研究

发布时间：2018-04-02 16:27

本文选题：农村金融　切入点：新型农村金融组织　出处：《哈尔滨商业大学》2013年硕士论文

【摘要】：金融业是国民经济的血脉,农村金融又是金融业的重中之重,而新型农村金融组织如村镇银行、贷款公司以及农村资金互助社又是农村金融发展的核心,他们选择何种模式发展进而提出有效可行的惠普性的农村金融服务体系一直困扰着对农村经济发展进行研究的学者们。虽然我国农村金融组织体系几经变迁,但是很多问题仍然没有得到有效的解决。同时,由于农村金融需求的不断扩大,正规的农村金融组织所提供的服务有限、发展结构还不够完善等特点,就导致农村金融主体的需求得不到来自于正规农村金融组织的满足,所以,新型农村金融组织的出现就弥补了因现有正规农村金融组织提供服务的不足的而导致的缺陷。因此,怎样建立一个高效健康有序的的新型农村金融组织体系,是农村金融未来更好的发展所首要解决的难题。论文通过介绍国内外研究背景,引出我国在农村金融发展中所要解决的问题。首先,论文介绍了我国新型农村金融机构的发展现状及制约因素,主要从两个方面入手即：发展概况和运行效率两个方面,同时也分析了制约我国新型农村金融组织发展的影响因素。其次,通过分析目前我国农村地区的基本发展情况,将农村地区的金融需求分门别类,一方面按需求主体划分,这里我们利用了物理学中的”信息熵“的理论来进行分析,从而得出对农户信贷需求的影响因素；另一方面按照需求渠道分类,通过分析,得出目前我国的有效需求状况,明确目标主体,进而总结出我国目前农村金融需求发展的三大特征。最后,论文在内生经济增长理论的基础上,对我国新型农村金融组织发展水平与农村金融需求增长之间的关系进行了检验,从而得出新型农村金融组织对未来农村地区经济发展的影响程度。论文最后在分析农村金融需求的背景下,提出相关对策建议,以达到促进我国新型农村金融组织健康有序发展的目的。
[Abstract]:The financial industry is the lifeblood of national economy, the rural finance is the priority among priorities of the financial industry, and new rural financial organizations such as village banks, loan companies and rural mutual cooperatives is the core of rural financial development, their choice of mode of development and puts forward the feasible and effective HP of rural financial service system has been plagued by study on the rural economic development of the scholars.
Although several changes of the rural financial organization system in China, but many problems are still not solved. At the same time, the rural financial demand of rural financial organizations, the regular service provided by Co., development structure is not perfect and other characteristics, leads to the subject of rural finance demand is not from the formal rural the financial organizations meet, so, the emergence of new rural financial organization is made up of service due to the existing formal rural financial organization is insufficient due to the defects. Therefore, how to establish an efficient healthy and orderly new rural financial system, rural financial problem is better future development priority.
The paper introduces the domestic and foreign research background, introduce China to solve in the development of rural finance problems. Firstly, the thesis introduces the development status and constraints of China's new rural financial institutions, mainly from two aspects: the two aspects of development and operation efficiency, but also analyzes the factors restricting the the new rural financial organizations in the development of our country. Secondly, through analyzing the current development situation of China's rural areas, the financial needs of rural areas will be arranged on the one hand, divided by the main demand, here we use in physics "information entropy" theory to analyze, thus obtains the influencing factors of the farmer credit demand. On the other hand; according to the demand channel classification, through the analysis, the current effective demand situation, clear objectives, subject, and then summed up China's current rural financial needs Three characteristics and development. Finally, based on the theory of endogenous economic growth, the relationship between China's new rural financial organizations and the development level of rural financial demand growth was tested, so that the impact of new rural financial organizations in rural areas of future economic development. Finally, in the rural financial demand analysis under the background, puts forward countermeasures and suggestions to promote China's new rural financial organizations for the healthy and orderly development.

【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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