台州新型农村金融组织可持续发展研究
发布时间：2018-07-21 14:49
【摘要】：农村金融是一个值得仔细研究和反复探讨的问题。如何在严重的信息约束和抵押约束下构建高效的农村金融体系、不断推动农村金融深化？国外的实践与经验值得借鉴，我国也开始了新的探索。随着新型农村金融组织的出现和试点工作持续推进，又有了新的问题：它们能否实现商业化追求与支农矛盾的协调？业务发展是否可持续？在我国一些农村地区出现的依靠民间力量自发组织起来的微小金融组织生存状况怎样？又该如何规范与引导？回答这些问题，需要从理论和现实层面比照各类新型农村金融组织的运作情况以及所发挥的实际功效，并在此基础上提出切实可行的发展思路，为农村金融体系建设提供一个全新的政策选择视角。 本论文首先是选题背景与意义、相关概念的界定以及研究思路与方法等。接着介绍农村金融市场三种理论派别及信息不对称理论，，学者专家关于微型金融和新型农村金融组织的研究成果及简要评价。在理论回顾与文献综述的基础上，本论文对台州新型农村金融组织发展状况进行脉络梳理，分别就村镇银行、小额贷款公司、农村资金互助社、扶贫资金互助会和民间自发性微型金融组织等五类新型农村金融组织的设立、资金来源与运用、风险状况等进行分析，把握其发展模式与主要成效。然后，比较剖析台州各类新型农村金融组织可持续发展的内外部因素，外部因素包括批准部门、法规制度、监管方式、扶持政策等，内部因素包括市场定位、资金组织、风险管控、经营成本等，认为担保方式以保证担保为主、贷款以小额、短期为主是其共性生存法则，同时它们又有着各自的优势和劣势，进而得出内生于农村经济的农村互助合作金融组织具有低成本、高收益的特征，理应在农村金融体系中发挥基础地位作用。最后为对策建议，要实现新型农村金融组织的全面可持续发展，既要在微观上强化外部政策支持，完善内部机制设计，更要在宏观思路上坚持包容发展原则，用更低的社会成本和社会损失推动多层次、多主体、竞争充分的农村金融体系的构建。
[Abstract]:Rural finance is a problem worthy of careful study and repeated discussion. How to construct an efficient rural financial system under severe information constraints and mortgage constraints, and promote the deepening of rural finance? Foreign practice and experience is worth learning, China has also begun a new exploration. With the emergence of new rural financial organizations and the continuous promotion of the pilot work, there are new problems: can they realize the coordination between commercialization pursuit and supporting agriculture? Is business development sustainable? In some rural areas of China, the existence of micro-financial organizations that rely on private forces to organize themselves? How to regulate and guide? To answer these questions, we need to compare the operation of various new types of rural financial organizations and their practical effects from the theoretical and practical aspects, and put forward practical development ideas on this basis. For the rural financial system construction to provide a new perspective of policy choice. The first part of this paper is the background and significance of the topic, the definition of relevant concepts, and the research ideas and methods. Then it introduces the three theoretical schools of rural financial market and the theory of information asymmetry, the research results and brief evaluation of scholars and experts on micro-finance and new rural financial organizations. On the basis of theoretical review and literature review, this paper reviews the development of new rural financial organizations in Taizhou. This paper analyzes the establishment of five new types of rural financial organizations, such as mutual aid fund association and private voluntary micro-financial organization, the source and application of funds, the risk situation, and so on, so as to grasp its development model and main results. Then, comparing and analyzing the internal and external factors of the sustainable development of various new types of rural financial organizations in Taizhou, the external factors include the approval department, the legal system, the way of supervision, the supporting policy, etc. The internal factors include market orientation, fund organization, etc. Risk control, operating costs, etc., it is believed that the guarantee method is the main guarantee, the loan is small, the short-term is the common survival rule, and at the same time, they have their own advantages and disadvantages. It is concluded that rural cooperative financial organizations born in rural economy have the characteristics of low cost and high income, and should play a fundamental role in the rural financial system. Finally, in order to realize the overall sustainable development of the new rural financial organizations, we should strengthen the external policy support, perfect the internal mechanism design, and adhere to the principle of inclusive development in the macroscopic thinking. With lower social cost and social loss to promote the construction of multi-level, multi-agent, fully competitive rural financial system.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
本文编号：2135873
[Abstract]:Rural finance is a problem worthy of careful study and repeated discussion. How to construct an efficient rural financial system under severe information constraints and mortgage constraints, and promote the deepening of rural finance? Foreign practice and experience is worth learning, China has also begun a new exploration. With the emergence of new rural financial organizations and the continuous promotion of the pilot work, there are new problems: can they realize the coordination between commercialization pursuit and supporting agriculture? Is business development sustainable? In some rural areas of China, the existence of micro-financial organizations that rely on private forces to organize themselves? How to regulate and guide? To answer these questions, we need to compare the operation of various new types of rural financial organizations and their practical effects from the theoretical and practical aspects, and put forward practical development ideas on this basis. For the rural financial system construction to provide a new perspective of policy choice. The first part of this paper is the background and significance of the topic, the definition of relevant concepts, and the research ideas and methods. Then it introduces the three theoretical schools of rural financial market and the theory of information asymmetry, the research results and brief evaluation of scholars and experts on micro-finance and new rural financial organizations. On the basis of theoretical review and literature review, this paper reviews the development of new rural financial organizations in Taizhou. This paper analyzes the establishment of five new types of rural financial organizations, such as mutual aid fund association and private voluntary micro-financial organization, the source and application of funds, the risk situation, and so on, so as to grasp its development model and main results. Then, comparing and analyzing the internal and external factors of the sustainable development of various new types of rural financial organizations in Taizhou, the external factors include the approval department, the legal system, the way of supervision, the supporting policy, etc. The internal factors include market orientation, fund organization, etc. Risk control, operating costs, etc., it is believed that the guarantee method is the main guarantee, the loan is small, the short-term is the common survival rule, and at the same time, they have their own advantages and disadvantages. It is concluded that rural cooperative financial organizations born in rural economy have the characteristics of low cost and high income, and should play a fundamental role in the rural financial system. Finally, in order to realize the overall sustainable development of the new rural financial organizations, we should strengthen the external policy support, perfect the internal mechanism design, and adhere to the principle of inclusive development in the macroscopic thinking. With lower social cost and social loss to promote the construction of multi-level, multi-agent, fully competitive rural financial system.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
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