统筹城乡视角下的成都农村金融体系建设研究
发布时间：2018-10-30 15:34
【摘要】：当前,我国正处在全面建成小康社会的关键时期,但长期以来形成的城乡不均衡“二元经济”结构,已成为制约我国“三农”建设及经济社会全面发展的瓶颈。其中,农村金融作为“三农”问题尤其是农村经济的核心,不仅肩负着提供金融服务的使命,而且直接影响着“三农”建设能否得以顺利推进。然而,正是由于农村金融改革与发展的相对滞后,又成为制约农村经济可持续发展的重要因素,同时也极大影响着我国经济发展方式的转变和推进统筹城乡发展战略的实施。于是,在党的“十七大”中,便将农村金融列入城乡一体化建设和推进社会主义新农村建设的重要内容,党的“十八大”报告更是强调城乡发展一体化是解决“三农”问题的根本途径,要加大统筹城乡发展力度,增强农村发展活力,逐步缩小城乡差距,促进城乡共同繁荣。 应该说,经过多年统筹城乡实践,成都已经初步建立起多层次、广覆盖的农村金融服务组织体系,各类支农金融显著提升,金融产品和金融工具也日趋创新,涉农保险业务及担保业务发展取得长足进步。但是,由于多种原因,成都在统筹城乡发展中农村金融创新依然面临一系列制约因素,如农村金融多元化、广层级的长效供给机制仍不完善,农村金融信用基础依然薄弱。这些阻碍成都农村金融体系建设的深层次矛盾和瓶颈亟待破解,以充分适应“两化互动”、“四化同步”发展的新要求。 本文详细梳理了统筹城乡中农村金融体系建设的国内外现状,在深入分析统筹城乡发展理论、完善农村金融体系的基本内涵与统筹城乡发展的关系、成都在统筹城乡中创新农村金融体系的基础上,探讨了新形势下成都统筹城乡发展中农村金融创新所面临的制约,并对优化现代农村金融体系,助推成都统筹城乡发展提出了制度设计的目标、原则及相关政策建议。
[Abstract]:At present, our country is in the key period of building a well-off society in an all-round way, but the "dual economy" structure, which has been formed for a long time, has become the bottleneck restricting the construction of "agriculture, countryside and farmers" and the overall development of economy, countryside and society in China. Rural finance, as the core of the "three rural" problems, especially the rural economy, not only shoulders the mission of providing financial services, but also directly affects whether the construction of "agriculture, countryside and farmers" can be carried out smoothly. However, it is precisely because of the relative lag of rural financial reform and development that it has become an important factor restricting the sustainable development of rural economy. At the same time, it has also greatly affected the transformation of the mode of economic development in China and the implementation of the overall strategy of urban and rural development. As a result, in the 17th National Congress of the Party, rural finance was included as an important part of the integration of urban and rural areas and the promotion of the construction of a new socialist countryside. The report of the 18th National Congress of the Communist Party of China emphasizes that the integration of urban and rural development is the fundamental way to solve the problem of "agriculture, countryside and farmers". It should be said that after years of overall planning between urban and rural areas, Chengdu has initially set up a multi-level and widely covered rural financial service organization system. Various types of agricultural finance have improved significantly, and financial products and financial instruments have become increasingly innovative. Agricultural insurance business and guarantee business development has made considerable progress. However, for various reasons, Chengdu is still facing a series of constraints in the overall development of rural and urban areas, such as the diversification of rural finance, a wide range of long-term supply mechanism is still imperfect, rural financial credit base is still weak. These deep-seated contradictions and bottlenecks that hinder the construction of Chengdu's rural financial system need to be solved so as to fully meet the new requirements of the development of "the interaction between the two modernizations" and the "four modernizations". In this paper, the current situation of rural financial system construction in urban and rural areas is analyzed in detail, and the relationship between the basic connotation of rural financial system and the overall development of urban and rural areas is analyzed in depth, so as to perfect the basic connotation of rural financial system. On the basis of innovating rural financial system in urban and rural areas as a whole, Chengdu probes into the constraints faced by rural financial innovation in Chengdu's overall planning of urban and rural development under the new situation, and optimizes the modern rural financial system. Promote the urban and rural development of Chengdu put forward the system design objectives, principles and relevant policy recommendations.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
本文编号：2300410
[Abstract]:At present, our country is in the key period of building a well-off society in an all-round way, but the "dual economy" structure, which has been formed for a long time, has become the bottleneck restricting the construction of "agriculture, countryside and farmers" and the overall development of economy, countryside and society in China. Rural finance, as the core of the "three rural" problems, especially the rural economy, not only shoulders the mission of providing financial services, but also directly affects whether the construction of "agriculture, countryside and farmers" can be carried out smoothly. However, it is precisely because of the relative lag of rural financial reform and development that it has become an important factor restricting the sustainable development of rural economy. At the same time, it has also greatly affected the transformation of the mode of economic development in China and the implementation of the overall strategy of urban and rural development. As a result, in the 17th National Congress of the Party, rural finance was included as an important part of the integration of urban and rural areas and the promotion of the construction of a new socialist countryside. The report of the 18th National Congress of the Communist Party of China emphasizes that the integration of urban and rural development is the fundamental way to solve the problem of "agriculture, countryside and farmers". It should be said that after years of overall planning between urban and rural areas, Chengdu has initially set up a multi-level and widely covered rural financial service organization system. Various types of agricultural finance have improved significantly, and financial products and financial instruments have become increasingly innovative. Agricultural insurance business and guarantee business development has made considerable progress. However, for various reasons, Chengdu is still facing a series of constraints in the overall development of rural and urban areas, such as the diversification of rural finance, a wide range of long-term supply mechanism is still imperfect, rural financial credit base is still weak. These deep-seated contradictions and bottlenecks that hinder the construction of Chengdu's rural financial system need to be solved so as to fully meet the new requirements of the development of "the interaction between the two modernizations" and the "four modernizations". In this paper, the current situation of rural financial system construction in urban and rural areas is analyzed in detail, and the relationship between the basic connotation of rural financial system and the overall development of urban and rural areas is analyzed in depth, so as to perfect the basic connotation of rural financial system. On the basis of innovating rural financial system in urban and rural areas as a whole, Chengdu probes into the constraints faced by rural financial innovation in Chengdu's overall planning of urban and rural development under the new situation, and optimizes the modern rural financial system. Promote the urban and rural development of Chengdu put forward the system design objectives, principles and relevant policy recommendations.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
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