湖南省新型农村金融组织发展研究

发布时间：2018-05-21 06:57

本文选题：新型农村金融组织 + 村镇银行　；参考：《湖南农业大学》2013年硕士论文

【摘要】：农村金融是现代农村经济发展的核心,也是农村改革和城镇化进程的可靠性保障。但当前,现行的农村金融体系难以完全满足广大农户的资金需求,从宏观层面上来说,正规的金融体系已逐渐远离农村市场,经营趋于以利润为导向；微观层面则主要表现为村镇银行、小额贷款公司、农村资金互助社的发展举步维艰,其规模、结构、效率得不到有效的提升。实践证明,农村金融改革最重要的就是要制造一个很好的毛细血管系统,使之能够有效地在基层提供金融服务。2006年12月银监会发布了《关于调整放宽农村地区银行业金融机构准入政策以更好支持社会主义新农村建设的若干意见》,此后央行和银监会多次发布各种指导性意见,鼓励新型金融组织进入农村,为构筑普惠型金融体系打下坚实基础。作为农业大省的湖南也得到了积极响应,但新型农村金融组织在其迅速发展的过程中存在着资金短缺、利率定价能力不足、信贷风险大、政府扶持力度不够、从业人员素质低、缺乏可持续性等因素的制约,因此本文将在对湖南省新型农村金融组织的发展现状及问题进行深入的剖析的基础上,再结合具体的案例,从而确立湖南新型农村金融组织未来的发展思路,并为其可持续发展给出具体对策。
[Abstract]:Rural finance is the core of modern rural economic development and the reliability guarantee of rural reform and urbanization. But at present, the current rural financial system is difficult to fully meet the capital needs of the majority of farmers, from the macro level, the formal financial system has been gradually away from the rural market, tend to be profit-oriented; At the micro level, the development of village banks, small loan companies and rural mutual aid societies is difficult, and its scale, structure and efficiency can not be effectively promoted. Practice has proved that the most important thing in rural financial reform is to create a good capillary system. In December 2006, the CBRC issued several opinions on the Adjustment and relaxation of the admission Policy of Banking institutions in Rural areas to better support the Construction of a New Socialist Countryside. The Central Bank and the Banking Regulatory Commission have issued various guidance opinions many times. Encourage new financial organizations to enter rural areas and lay a solid foundation for building inclusive financial systems. Hunan, as a big agricultural province, has also received a positive response. However, in the process of its rapid development, there is a shortage of funds, insufficient interest rate pricing ability, large credit risk, insufficient government support, and low quality of employees. Lack of sustainability and other factors, so this paper will be on the basis of in-depth analysis of the development of new rural financial organizations in Hunan Province and problems, and combined with specific cases, In order to establish the development of Hunan new rural financial organization in the future, and give specific countermeasures for its sustainable development.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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