我国西部农村金融制度绩效与创新研究

发布时间：2019-07-09 20:59

【摘要】：金融是经济的核心命脉，农村金融作为金融体系中的一部分，关系着农村经济的发展和农民生活水平的提高，对我国构建和谐、小康社会起着举足轻重的作用。改革开放30年来，我国西部农村金融制度发生了多次的变迁。农村制度的变迁不仅促进农村金融制度效率的不断提高，也为农村经济的发展提供了强大的动力和支持。在看到取得的卓越成果，同时也要注意到潜藏的危机，如现行的农村金融制度还存在着如制度供求失衡、组织制度不完善、金融资源配置效率低、监管及风控体系不完善等缺陷。这些制度缺陷，成为农村经济发展的短板，无法实现其服务“三农”的目标。要克服这些农村金融制度上的缺陷，提高农村金融资源的运行绩效，就必须对农村金融制度进行创新。本文运用新制度经济学、实证分析等方法，对我国西部现行的农村金融制度以及存在的问题进行了全面剖析。观今宜鉴古，无故不成今，通过对建国以来农村金融制度变迁的回顾，对比我国农村金融制度的现状，找出存在问题，进而有针对性地提出农村金融制度创新的建议。本文主要包括六部分：第一部分绪论，主要对本文的研究背景、意义及相关文献进行简要介绍，并对制度等重要的概念进行阐述；第二部分是回顾建国以来，我国西部农村金融改革的历程。通过对农村金融改革的环境背景、诱发原因及变迁效果进行分析，得出我国自上而下的强制性的金融制度变迁的结论；第三部分对近六年的西部农村金融制度改革的绩效进行实证分析，通过量化的数据计算，得出运行绩效水平低的结论；第四部分对目前我国农村金融的发展现状进行分析，，主要通过对供求两个角度入手，得出目前我国农村金融供求非均衡、金融资源配置效率低的结论；第五部分对目前我国西部农村金融资源配置进行实证分析，通过具体的数据来分析西部九个省当前的资源配置效率；最后第六部分针对存在的问题，从组织体系、市场、监管等角度来提出创新的建议。
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图片说明：006-2010年西部城镇与农村人均可支配收入对比
[Abstract]:Finance is the core lifeline of the economy. As a part of the financial system, rural finance is related to the development of rural economy and the improvement of farmers' living standards, and plays an important role in building a harmonious and well-off society in our country. In the past 30 years of reform and opening up, many changes have taken place in the rural financial system in western China. The change of rural system not only promotes the continuous improvement of the efficiency of rural financial system, but also provides a strong motive force and support for the development of rural economy. In order to see the outstanding achievements, we should also pay attention to the hidden crisis, such as the imbalance between supply and demand of the system, the imperfection of the organizational system, the low efficiency of the allocation of financial resources, and the imperfection of the supervision and risk control system in the current rural financial system. These institutional defects have become the deficiency of rural economic development and can not achieve the goal of serving agriculture, rural areas and farmers. In order to overcome these defects of rural financial system and improve the performance of rural financial resources, it is necessary to innovate the rural financial system. By using the methods of new institutional economics and empirical analysis, this paper makes a comprehensive analysis of the current rural financial system and the existing problems in western China. Through reviewing the changes of rural financial system since the founding of the people's Republic of China, this paper compares the present situation of rural financial system in China, finds out the existing problems, and then puts forward some suggestions for the innovation of rural financial system. This paper mainly includes six parts: the first part is the introduction, which briefly introduces the research background, significance and related literature of this paper, and expounds the important concepts such as system; the second part is to review the course of rural financial reform in western China since the founding of the people's Republic of China. Through the analysis of the environmental background, inducing reasons and the effect of the rural financial reform, this paper draws the conclusion of the top-down mandatory financial system change in our country. The third part makes an empirical analysis on the performance of the western rural financial system reform in the past six years, and draws the conclusion that the operation performance level is low through the quantitative data calculation. The fourth part analyzes the present situation of the development of rural finance in our country, mainly through the two angles of supply and demand, draws the conclusion that the supply and demand of rural finance in our country is unbalanced and the efficiency of financial resource allocation is low, the fifth part carries on the empirical analysis to the western rural financial resource allocation at present, through the concrete data to analyze the current resource allocation efficiency in the western nine provinces; Finally, the sixth part puts forward innovative suggestions from the perspective of organizational system, market, supervision and so on.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1

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