广西田东县农村金融改革案例研究

发布时间：2018-04-28 18:52

本文选题：田东县 + 农村金融改革　；参考：《广西大学》2013年硕士论文

【摘要】：中国农村金融经过几十年的发展,已经有了焕然一新的面貌。而近几年以广西区百色市田东县为代表的农村金融改革试点县(市)相继试水使得我国的农村金融发展进入了新的阶段。本文以百色市田东县农村金融改革试点为研究对象,梳理田东县近几年的发展历程及各项改革措施,将其归纳为：一,搭建农村金融服务平台；二,完善农村金融组织体系；三,创新农村金融产品和服务；四,增大财税支持力度,增强机构支农动力；五,构建示范性农村金融信用体系；六,提升农户金融意识,优化金融生态环境。经过四年多的开拓性改革,田东县农村金融和县域经济均取得了不俗的成就：金融组织体系不断完善,机构数量和种类大幅增加,金融产品和服务持续创新,农户金融意识有了显著提升,信贷规模扩大,较好的满足了农户和中小企业的信贷需求,进而推动田东县生产总值跨越式增长,城乡居民收入大幅增加,城乡差距在一定程度上缩小。但辉煌的成就背后仍有隐忧,田东县农村金融改革过程中暴露出如涉农业务对金融机构缺乏吸引力、金融改革成本过高、等问题都在一定程度上阻碍了农村金融的进一步发展,这既有涉农业务本身存在的天然缺陷,也有行政体制机制造成的阻碍。要想在接下来的农村金融改革过程中突破瓶颈、解决难题,必须本着实事求是、以市场为主的原则对当前的部分改革政策给予调整,以促进农业走“高、精、专”为工作重点,降低涉农业务风险,增强机构内生支农动力,辅以农村金融生态环境的改善,削弱行政体制机制给农村金融发展带来的不利影响,才能使形成“金融发展和经济增长”的良好循环。
[Abstract]:After decades of development, China's rural finance has taken on a new look. In recent years, the pilot counties (cities) of rural financial reform, represented by Tiandong County, Baise City, Guangxi, have been experimenting with the development of rural finance in our country into a new stage. This paper takes the rural financial reform pilot in Tiandong County of Baise City as the research object, combs the development course and various reform measures of Tiandong County in recent years, sums it up as follows: first, build the rural financial service platform; second, perfect the rural financial organization system; Third, innovate the rural financial products and services; fourth, increase the financial and tax support, strengthen the institutional support for agriculture; five, build a model rural financial credit system; sixthly, enhance the financial awareness of farmers, optimize the financial ecological environment. After more than four years of pioneering reform, both rural finance and county economy in Tiandong County have made remarkable achievements: the financial organization system has been continuously improved, the number and types of institutions have increased substantially, and financial products and services have been continuously innovated. Farmers' financial awareness has been significantly improved, and the scale of credit has expanded, which has better met the credit needs of farmers and small and medium-sized enterprises, thus promoting the great-leap-forward growth of the gross domestic product of Tiandong County, and the income of urban and rural residents has increased substantially. The gap between urban and rural areas narrowed to a certain extent. However, behind the brilliant achievements, there are still hidden worries. In the process of rural financial reform in Tiandong County, problems such as the lack of attraction of agriculture-related business to financial institutions, the high cost of financial reform, and other problems have to a certain extent hindered the further development of rural finance. This not only has the natural defect of the agricultural business itself, but also has the hindrance caused by the administrative system mechanism. In order to break through the bottleneck and solve the difficult problems in the next rural financial reform process, we must adjust some of the current reform policies based on the principle of seeking truth from facts and taking the market as the main principle, so as to promote agriculture to take "high, fine, and specialized" as the focus of its work. To reduce the risk of agriculture-related business, to strengthen the endogenous motivation to support agriculture, to improve the rural financial ecological environment, and to weaken the adverse effects of the administrative system and mechanism on the development of rural finance. Only then can form "the financial development and the economic growth" the good circulation.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7

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