我国农村金融体系的问题与对策研究

发布时间：2018-01-08 14:33

本文关键词：我国农村金融体系的问题与对策研究　出处：《天津财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：目前中国经济总量已跃居世界第二,但是人均GDP只排在一百名左右,原因很简单,中国有太多的人来自农村,年均收入低于全国平均值。总量的“超富”背后,隐藏着悬殊的贫富差距。解决好中国贫富差距问题,除了完善分配制度以外,还应从农村这个中国社会经济最底层寻找突破口,农村金融无疑就是这个突破处。农村金融是农村经济的核心,对缩小城乡贫富差距,统筹城乡经济发展起到十分重要的作用。本文立足于我国农村金融发展现状与国际农村金融体系经验的基础上,结合农村金融与农村经济增长的实证分析,探寻我国农村金融体系为何没有产生最大化支农效率的原因,提出构建我国农村金融体系的建议。首先本文对现有研究进行梳理。回顾了金融发展与经济发展相关理论和农村金融发展理论,包括农业信贷补贴理论、农村金融市场理论和不完全竞争市场理论。同时也从农村金融规模与农村金融效率两方面总结了国内外学者的研究成果。其次本文分析了我国农村金融体系的历史、现状与存在的问题。现状从我国农村金融体系的构成、特征两方面分析。存在的问题主要有：信贷配给严重、大量资金外流、市场功能不完善和机构资金来源紧张。第三本文实证分析得到结论：农村存贷差的增加,对农村第一产业不利；乡镇企业贷款增长率与乡镇企业产值增长率之间存在负相关；农村居民收入增长率与农村居民储蓄增长率之间存在负相关,意味着农村金融机构存款来源减少,会影响农村金融机构的可持续发展能力；农村金融与农村经济发展并不十分协调。最后,本文提出了通过分析国外农村金融模式的经验,并提出构建我国农村金融体系的一些建议。主要有：推行农户联保制,化解信贷配给；强调服务三农的目标,杜绝资金外流；创新机构融资渠道,促进可持续发展。
[Abstract]:At present, China economic aggregate ranks second in the world, but the per capita GDP ranks only one hundred or so, the reason is very simple, Chinese there are too many people from rural areas, the average annual income of less than the national average. The total amount of the "super rich" hidden behind the gap between the rich and the poor. To solve the problem of the gap between rich and poor China, in addition to improve the distribution this system, from the bottom of China rural social economy to find a breakthrough, rural finance is undoubtedly the breakthrough. The rural finance is the core of the rural economy, to narrow the gap between urban and rural residents, urban and rural economic development has played a very important role. This paper is based on China's rural financial development and rural financial system of international experience on the empirical analysis of rural finance and rural economic growth, explore China's rural financial system did not produce the maximum efficiency in support of reason, put forward. Suggestions for the construction of the rural financial system in China.
Firstly, this paper sorts out the existing research. Review of financial development and economic development theory and rural financial development theory, including the theory of agricultural credit subsidies, the rural financial market theory and the theory of imperfect competition market. At the same time from the scale of the rural finance and rural financial efficiency two aspects, summarizes the research results of scholars at home and abroad.
Secondly, this paper analyzes the rural financial system in our country's history, current situation and existing problems. From the current situation of China's rural financial system, analysis of two aspects. The main problems are: the serious credit rationing, large capital outflows, the market mechanism function is not perfect and the source of funding constraints.
In this paper, an empirical analysis of third conclusions: Rural bad loans increase, unfavorable to the first industry in rural areas; there is a negative correlation between loan growth rate of township enterprises and township enterprises output value growth rate; there is a negative correlation between the income growth of rural residents and rural residents savings growth rate, means to reduce the source of deposits of financial institutions in rural areas and the sustainable development ability the effect of rural financial institutions; rural finance and rural economic development is not very coordinated.
Finally, this paper puts forward the model of rural financial analysis of foreign experience, and puts forward some suggestions of constructing China's rural financial system. Mainly include: the implementation of farmers UNPROFOR system, resolve the credit rationing; emphasizing rural services aim to eliminate capital outflow; innovation mechanism of financing channels, to promote sustainable development.

【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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