黑龙江省农村金融存在的问题与对策研究

发布时间：2018-04-27 09:58

本文选题：农村金融发展 + 金融监管　；参考：《吉林大学》2013年硕士论文

【摘要】：农村金融在社会主义新农村建设中起着非常重要的作用。2010年，中央1号文件指出要“提高农村金融服务质量和水平,加强财税政策与农村金融政策的有效衔接,引导更多信贷资金投向‘三农’”。在我国现代农村经济发展中，农村金融的发展决定着新农村建设的成败，要想建设好新农村，农村金融必须有所作为，要切实为广大农村地区居民提供基础金融服务。金融在农村经济发展中起着非常重要的作用，对资本要素的配置有重要意义,是解决农业、农民、农村问题的一个重要组成部分。作为全国重要的农业大省和粮食生产基地,黑龙江省要实现农业大省向农业强省的跨越，推动传统农业向现代农业的转变,加强农村金融现代化建设是关键。进入新的历史阶段，建设社会主义新农村是黑龙江省农村发展和改革的必然选择，也是贯彻党的十八大精神、构建社会主义和谐社会的内在要求。金融领域有好多情况，实际上过去十年的改革，我们取得了一些成绩，但是金融领域里面有很多问题还没有解决，其中最主要的问题，就是中国的金融界服务实体经济的能力有限，而农村金融又是实体经济的重要组成部分。当前，新农村建设已经进行到火热的阶段，黑龙江省的新农村建设已经展开崭新的局面，，但是黑龙江省农村金融发展相对落后，难以满足农村经济发展的需要。本文主要研究黑龙江省金融发展的历程，通过探讨黑龙江省农村金融发展的历史过程和目前的现状，找出黑龙江省农村金融存在的问题，比如服务体系不健全、农村金融资金供求不平衡、金融监管体系存在缺陷、农村民间金融不规范等问题，对这些问题进行了讨论分析并提出发掘现有农村金融机构，建立新型农村金融机构，发展“三农”保险事业，加强农村金融供给等对策，通过这次调查调查研究进行分析总结，希望能为黑龙江省的建设和新农村的发展提供一些有价值的参考意见，为家乡的建设贡献一份微薄的力量。
[Abstract]:Rural finance plays a very important role in the construction of a new socialist countryside. In 2010, the first document of the Central Committee pointed out that "the quality and level of rural financial services should be improved, and the effective linkage between fiscal and taxation policies and rural financial policies should be strengthened." More credit funds should be directed towards agriculture, rural areas and farmers. In the development of modern rural economy in China, the development of rural finance determines the success or failure of new rural construction. In order to build a good new rural area, rural finance must do something and provide basic financial services for the majority of rural residents. Finance plays a very important role in the development of rural economy. It is of great significance to the allocation of capital elements and is an important part of solving the problems of agriculture, farmers and rural areas. As an important agricultural province and grain production base in the whole country, the key point of Heilongjiang Province is to realize the leap from big agricultural province to strong agricultural province, to promote the transformation from traditional agriculture to modern agriculture, and to strengthen the modernization of rural finance. Entering a new historical stage, building a new socialist countryside is an inevitable choice for the rural development and reform in Heilongjiang Province, and is also an inherent requirement for carrying out the spirit of the 18th CPC National Congress and building a harmonious socialist society. There are a lot of situations in the financial field. In fact, we have made some achievements in the reform of the past decade, but there are still many problems in the financial field, the most important of which are still unresolved. China's financial sector has a limited ability to serve the real economy, and rural finance is an important part of the real economy. At present, the construction of new countryside has been in a hot stage, the new rural construction of Heilongjiang Province has launched a new situation, but the rural financial development of Heilongjiang Province is relatively backward, it is difficult to meet the needs of rural economic development. This paper mainly studies the course of financial development in Heilongjiang Province, through discussing the historical process and current situation of rural financial development in Heilongjiang Province, finds out the problems existing in rural finance in Heilongjiang Province, such as the imperfect service system. This paper discusses and analyzes the imbalance between the supply and demand of rural financial funds, the defects of the financial supervision system and the non-standard rural folk finance, and proposes to explore the existing rural financial institutions and establish new rural financial institutions. To develop the "three rural" insurance industry, strengthen rural financial supply and other countermeasures, through this investigation and study to carry out analysis and summary, hope to provide some valuable suggestions for the construction of Heilongjiang Province and the development of new countryside. Contribute a modest strength to the construction of your hometown.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7

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