中国普惠性农村金融体系发展研究

发布时间：2018-04-14 15:26

本文选题：普惠金融 + 农村金融体系　；参考：《广东商学院》2013年硕士论文

【摘要】：“普惠金融体系”的基本含义是：建立一个能有效地、全方位地为社会所有阶层和群体，，尤其是贫困、低收入人口提供服务的金融体系。我国改革开放以来，政府对农村金融体系的发展相当重视，对其进行了一系列的改革措施，以满足农村贫困人口及微型企业的金融需求。本文通过借鉴普惠金融的理论框架，分别从普惠金融的需求者、普惠性农村金融服务提供者、农村金融基础设施以及政府对农村金融的立法监管四个层面对我国普惠性农村金融体系的现状进行了研究。本文采用因子分析的实证分析方法，按不同指标分别对各省农村金融体系现状进行了对比和排名。实证结果表明，我国现有农村金融体系发展水平较低，地区间存在严重的不平衡；我国只有少数几个省市普惠性农村金融体系较为完善，大部分省市还未达到全国平均水平，需要得到提升。针对存在的问题，本文提出了我国贫困地区发展普惠性农村金融体系的政策建议：首先，要明确农村金融的需求主体，并满足多样化的金融需求；其次，应该建立包括政策性农村金融机构、商业性农村金融机构、合作性农村金融机构、新型农村金融机构和民间非正规金融机构在内的竞争性的、多元化的农村金融体系，并且对它们各自的功能进行明确的定位；在基础建设方面，加强信用体制和机制建设，加快农村金融机构支付结算体系建设，加强对金融需求者的培训与教育；此外，还要加大金融立法力度，发挥财政政策作用，促进小额信贷发展，对不同地区、不同农村金融机构进行差别性监管，以完善现有农村金融体系的监管制度。
[Abstract]:The basic meaning of "inclusive financial system" is to establish a financial system that can effectively and comprehensively provide services to all social strata and groups, especially the poor and low-income people.Since China's reform and opening up, the government has attached great importance to the development of the rural financial system, and carried out a series of reform measures to meet the financial needs of the rural poor and micro-enterprises.Based on the theoretical framework of inclusive finance, this paper analyzes the demand of inclusive finance and the providers of inclusive rural financial services.The present situation of inclusive rural financial system in China is studied from four aspects: rural financial infrastructure and the government's legislative supervision of rural finance.This paper uses the empirical analysis method of factor analysis to compare and rank the present situation of rural financial system in various provinces according to different indicators.The empirical results show that the development level of rural financial system in China is low, and there is serious imbalance among regions, only a few provinces and cities in China are relatively perfect in inclusive rural financial system, most provinces and cities have not reached the national average level.Need to be promoted.In view of the existing problems, this paper puts forward some policy suggestions for the development of inclusive rural financial system in poor areas of China. Firstly, it is necessary to make clear the main body of rural finance needs and to meet the diversified financial needs.A competitive, diversified rural financial system, including policy-oriented rural financial institutions, commercial rural financial institutions, cooperative rural financial institutions, new rural financial institutions and non-government informal financial institutions, should be established.In the aspect of infrastructure construction, we should strengthen the construction of credit system and mechanism, accelerate the construction of payment and settlement system of rural financial institutions, and strengthen the training and education of those in need of finance.It is also necessary to strengthen financial legislation, give play to the role of fiscal policy, promote the development of microcredit, and carry out differential supervision over different regions and different rural financial institutions in order to perfect the existing supervision system of the rural financial system.
【学位授予单位】：广东商学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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