宁夏农村金融发展研究

发布时间：2018-05-28 17:19

本文选题：宁夏 + 农村金融　；参考：《西北农林科技大学》2016年硕士论文

【摘要】：农村经济的发展离不开农村金融的支持。从各国农村经济发展的实践中可证明:只有充分配置各类金融资源,满足农村地区经济发展的资金需要,提供有效的金融服务,才能实现农村地区经济金融的良性互动,取得经济金融的共赢。宁夏地处我国西北部,经济欠发达,金融资源规模偏小。在此背景下,本文运用农村金融理论,通过文献分析法、比较法、历史分析的方法,介绍了宁夏农村金融需求的现状及特点,农村金融机构的各自情况,对农村金融发展中存在的问题与困难进行了分析,结合实际提出了金融支持宁夏农村经济发展的建议与措施。论文第一章对研究的背景意义和中外研究情况作了说明;第二章介绍农村金融理论及国外农村金融发展的情况;第三章介绍我国农村金融发展变革情况;第四章介绍宁夏农村地区经济、金融发展的现状;第五章介绍宁夏农村金融需求与供给状况;第六章介绍宁夏农村金融发展中存在的问题与成因,分析了现行的财税、金融政策在实施中遇到的困难,以及金融供需不匹配等问题;第七章提出宁夏农村金融发展的对策和建议,以满足各类主体的融资需求,促进农村地区各类产业加快发展。本论文的研究结论如下:一是宁夏农村地区金融资源比较匮乏、金融服务主体单一、存在财税、金融扶持政策落实难、金融资源供不应求、地区金融生态环境有待完善等诸多深层次的矛盾和问题,影响了金融支持经济发展作用的发挥。二是应加大政策支持,出台农村土地承包经营权、农民住房财产权和林权流转抵押的法律法规,发展农村政策性保险和商业性保险业务,促进支农资金、财政资金与金融相结合,发挥政策引导金融支持“三农”的作用。三是应建立多元化、多层次的农村金融服务体系,鼓励和引导民间资本向农村流入。四是应构建涵盖增加金融总量供给、支持特色支柱产业发展、满足各类主体融资需要、完善农村地区生态环境的全面、系统的金融服务框架,支持农村地区经济加快发展。
[Abstract]:The development of rural economy can not be separated from the support of rural finance. From the practice of rural economic development in various countries, it can be proved that only by fully allocating all kinds of financial resources, satisfying the capital needs of economic development in rural areas and providing effective financial services, can the benign interaction of economy and finance in rural areas be realized. Achieve economic and financial win-win situation. Ningxia is located in the northwest of China, the economy is underdeveloped, the scale of financial resources is small. Under this background, this article uses the rural finance theory, through the literature analysis method, the comparative method, the historical analysis method, has introduced the Ningxia countryside finance demand present situation and the characteristic, the rural financial institution's respective situation, This paper analyzes the problems and difficulties in the development of rural finance, and puts forward some suggestions and measures to support the development of rural economy in Ningxia. The first chapter introduces the background significance of the research and the research situation at home and abroad; the second chapter introduces the theory of rural finance and the development of rural finance in foreign countries; the third chapter introduces the development of rural finance in China. The fourth chapter introduces the present situation of the economic and financial development in rural areas of Ningxia; the fifth chapter introduces the situation of rural financial demand and supply in Ningxia; the sixth chapter introduces the problems and causes in the development of rural finance in Ningxia, and analyzes the current fiscal and taxation. The seventh chapter puts forward the countermeasures and suggestions for the development of rural finance in Ningxia in order to meet the financing needs of various main bodies and promote the rapid development of various industries in rural areas. The conclusions of this paper are as follows: first, the financial resources in rural areas of Ningxia are relatively scarce, the main body of financial services is single, there are fiscal and taxation, financial support policy implementation difficult, financial resources in short supply. The regional financial ecological environment needs to be perfected and many deep-seated contradictions and problems affect the role of financial support for economic development. Second, we should increase policy support, introduce laws and regulations on the right to contract management of rural land, farmers' housing property rights and the circulation of forest rights, develop rural policy insurance and commercial insurance, and promote agricultural support funds. The combination of financial funds and finance should play a role in guiding the financial support of agriculture, rural areas and farmers. Third, we should establish a diversified and multi-level rural financial service system to encourage and guide the inflow of private capital to rural areas. Fourth, it is necessary to construct a comprehensive and systematic financial service framework covering increasing the total financial supply, supporting the development of characteristic pillar industries, satisfying the financing needs of various main bodies, perfecting the ecological environment in rural areas, and supporting the rapid development of the economy in rural areas.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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