山西农村金融改革与发展研究

发布时间：2018-06-12 03:56

本文选题：山西 + 农村金融　；参考：《山西农业大学》2013年硕士论文

【摘要】：建国以来,我国的金融业从无到有,由小到大,得到了飞速发展,无论是计划经济时代,还是当今市场经济条件下,金融业对新中国的经济建设做出了巨大贡献。农村金融作为我国金融体系的一个有机组成部分,极大地推动了农业生产水平的提高,促进了农村经济体制的发展。农村经济的发展离不开金融的支持.目前我国农业和农村发展的中心任务是推进农村经济结构的战略性调整,而不管是通过城镇化转移农村剩余劳动力,还是通过农业产业化调整农村生产结构,都需要有大量资金的积累和再投入,均离不开金融的支持。但是从目前的情况来看,国内社会资金的大部分均流向效益比较高的非农部门,而农村本已紧缺的资金也通过各种渠道外流,使得农村经济发展受到严重制约。调查研究显示,九十年代中后期以来,农村的企业和农户在货款取得方面显得更为困难.缺乏合适有效的金融机构为农村和农民提供金融服务、无法满足农村经济主体的融资需求,这构成了当前农村经济发展的困境,也是造成农民收入增长缓慢的主要原因之一。与此同时农村金融机构的经营行为仍然受到多方面的限制,所有这些在农村经济发展中的金融总量、结构、制度等方面的矛盾急需我们进行深入的研究。本文在此背景之下,对山西省农村金融支持农村经济发展的现状、程度、面临的困境及其成因进行较为全面和系统地研究。分析当前金融体制中存在的困难和问题,借鉴各地农村金融体制建设的成功经验,提出进一步推进农村金融体制改革的原则。
[Abstract]:Since the founding of the people's Republic of China, the financial industry of our country has made great contributions to the economic construction of the new China, not only in the planned economy era, but also in the current market economy. As an organic part of China's financial system, rural finance has greatly promoted the improvement of agricultural production and the development of rural economic system, which cannot be separated from the support of finance. At present, the central task of our country's agriculture and rural development is to promote the strategic adjustment of the rural economic structure, regardless of whether it is the transfer of rural surplus labor through urbanization or the adjustment of rural production structure through agricultural industrialization. Need to have a large amount of capital accumulation and re-investment, are inseparable from the financial support. However, from the current situation, most of the domestic social funds flow to the non-agricultural sector with high efficiency, and the funds already scarce in rural areas are also outflow through various channels, which makes the development of rural economy seriously restricted. The investigation shows that since the middle and late 1990s, rural enterprises and farmers have become more difficult to obtain loans. The lack of appropriate and effective financial institutions to provide financial services for rural and farmers can not meet the financing needs of the main body of rural economy, which constitutes the plight of the current rural economic development, and is also one of the main reasons for the slow growth of farmers' income. At the same time, the management behavior of rural financial institutions is still limited by many aspects, all these contradictions in the total amount of finance, structure, system and so on in the development of rural economy need our in-depth study. Under this background, this paper makes a comprehensive and systematic study on the present situation, the degree, the predicament and the causes of rural finance supporting the development of rural economy in Shanxi Province. This paper analyzes the difficulties and problems existing in the current financial system, draws lessons from the successful experiences of the construction of the rural financial system in various places, and puts forward the principles for further promoting the reform of the rural financial system.
【学位授予单位】：山西农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

【共引文献】