温州农村金融服务体系问题研究

发布时间：2018-05-12 04:35

本文选题：农村金融服务体系 + 历史变迁　；参考：《吉林大学》2013年硕士论文

【摘要】：自2012年7月份温州市启动新一轮农村金融体制改革以来，，温州市委、市抓顶层设计、抓研究部署，使全市农村金融改革进入一个亮点频出、稳步推进的新阶段。但是很多工作还只是开了个头，改革推进过程中还存在许多困难和障碍。（一）法律制度不健全。针对农村正规金融和非正规性金融机构，缺乏明确的法律规范。（二）市场培育不充分。一是缺乏有效的融资担保物、合作金融是短腿、贷款利率机制不够活。二是信用体系建设滞后，政府对涉农金融机构的信用风险补偿机制，缺乏有力的扶持和政策倾斜。（三）金融监管不到位。现有农村金融监管力量，分别来自于人民银行、中国银行业监督管理委员会、地方政府金融监管部门，往往出现职责上的分工问题，或者造成监管漏洞，监管不到位，或者监管过度。目前主管的行政机关以及责任主体，难以承担起管理上的职责。相关部门重视监管人员力量，忽视了改进监管理念，完善监管技术，提升监管质量和效率。本文从正规金融与非正规金融两方面追溯温州农村金融服务体系历史与现状。然后从温州农村金融需求出发，问卷和实地调研相结合实证分析当前温州农村经济主体的金融需求情况；运用SWOT分析法分析温州农村金融供给的优势：借温州金改东风启动、大力发展农村资金互助组织、建设农村产权登记与交易平台；劣势：正规金融市场缺位、非正规金融部门被游离；机会：农户信用建档有一定基础、积极扩展担保物范围，扩大信贷支农力度、民间融资机构大量产生；威胁：金融机构“离农脱农”现象普遍呈现、金融监管不到位、新型农村资金互助组织，缺乏有效的“娘家”、非正规金融法律制度不健全。在初步了解温州农村金融服务体系的基础上，分别对美国、台湾、印度等国际（或地区）农村金融服务体系建设的经验进行概况和总结。结合温州自身的实际情况，提出加大政策性金融支农作用、强化金融产品创新、完善金融监管体制、保证农业资金回流农村等对策建议。为建立温州多层次、多样化、适度竞争的农村金融服务体系，形成强大的农金服务网络，最后本文从增强正规金融服务体系、完善非正规金融服务体系和培育配套服务体系三个路径选择构建温州农村金融服务体系。完善温州农村正规金融组织服务体系方面，建议税收优惠引导商业性金融机构、加大农村信用社的改制、吸引民资大力发展村镇银行、完善支付结算基础设施建设、加强农村多层次保险体系建设；完善温州农村非正规金融服务体系方面，建议鼓励发展农村资金互助会、加快建设农村产权交易市场、启动现代都市农业引导资金；温州农村金融服务体系的配套措施方面，建议开展农房抵押贷款、加快拓展农村担保物范围、完善农村金融信用体系、推进农村地区支付结算基础设施建设、加大支农惠农财政补助力度、建立民间金融信息发布平台。
[Abstract]:Since Wenzhou started a new round of rural financial system reform in July , 2012 , Wenzhou Municipal Committee and the city seized the top - level design , grabbed the research and deployed , made the whole city rural financial reform to enter a new stage of frequency and steady progress .

This paper traces the history and present situation of rural financial services system in Wenzhou from two aspects of formal finance and non - formal finance .
SWOT analysis method is used to analyze the advantages of rural financial supply in Wenzhou : to start with the change of the east wind in Wenzhou , to develop the rural fund mutual aid organizations , and to construct the rural property rights registration and trading platform ;
Disadvantages : the formal financial market is vacant , and the informal financial sector is free ;
Opportunity : the credit establishment of the farmer has a certain foundation , actively expands the scope of the guarantee , expands the strength of the credit supporting agriculture , and the private financing institution generates a large amount ;
Threats : The phenomenon of " off - agriculture " phenomenon of financial institutions is generally presented , the financial supervision is not in place , the new rural fund mutual aid organization , the lack of effective " lady " , the informal financial legal system is not perfect .

Based on the preliminary understanding of the rural financial services system in Wenzhou , this paper summarizes and summarizes the experiences of the construction of rural financial services system in the USA , Taiwan , India and other international ( or regional ) rural financial services system .
In order to improve the non - formal financial services system in Wenzhou , it is suggested to encourage the development of rural fund mutual aid , accelerate the construction of rural property rights trading market , and start the modern urban agriculture guidance fund ;
In Wenzhou rural financial services system , it is suggested to carry out the mortgage of rural mortgage , accelerate the development of rural finance credit system , improve the rural financial credit system , promote the construction of settlement infrastructure in rural areas , enlarge the financial subsidy of agriculture and farmers , and establish the civil financial information publishing platform .

【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

【参考文献】