我国农村金融供给问题研究

发布时间：2018-03-07 13:34

本文选题：农村金融　切入点：金融供给　出处：《中央民族大学》2012年硕士论文　论文类型：学位论文

【摘要】：我国农业发展、农村经济增长、农民增收问题关系到国民经济社会发展以及现代化建设。“三农”的发展需要资金的投入,可是我国农村经济的发展水平仍相对落后,仅靠农村经济主体各自的内部积累难以满足其对资金的需求。因此,必须逐步推进我国农村金融体制的创新与改革,建立和完善与农村经济发展水平相适应的农村金融供给体系作为支持“三农”的后盾,以促进农村经济社会的可持续发展。本文以深化我国农村金融、构建和完善农村金融的供给体系为研究目标,通过运用农村金融以及金融市场的相关理论,研究了我国农村金融供给体系的现状及供求关系。虽然现阶段我国农村金融供给体系的构建是以满足农村金融需求为目标,但该体系中合作金融、政策性金融机构和商业性金融机构之间的利益关系没有理顺,而且各机构的主要功能混淆,最终导致其职能错位,从而难以满足农村金融需求,甚至在某种情况下对农村经济发展带来负面影响。如邮政储蓄银行长期以来所起到的是农村资金“抽水机”的作用。虽然我国的农村金融供给体系是以商业金融机构为主体的,可是由于其市场化程度仍然较低,利率尚木市场化,以及缺乏农业保险等风险转移机制,从而使得农村金融供求失衡进一步加剧。民间金融虽然在平衡农村金融供求方面到了一定的作用,可是一直以来为其合法经营地位和自主经营权利所困扰。在对我国农村金融供求失衡问题进行深入分析之后,本文探讨了国外建立农村金融供给体系的做法与经验,提出了建立和完善农村金融供给体系的构想与建议。首先,深化农村正规金融机构的改革；其次,积极规范和引导农村民间金融,从而在效地补充农村金融供给；最后,政府要致力于营造良好的农村金融发展环境。本文通过分析我国农村金融体系的现状以及供求失衡的根源,研究了农村金融供给体系中各机构组织结构以及制度安排,对我国深化农村金融改革与创新在一定参考价值和借鉴意义。
[Abstract]:The development of agriculture, the growth of rural economy and the increase of farmers' income are related to the development of national economy and society as well as the modernization construction. The development of agriculture, rural areas and farmers needs capital input, but the development level of rural economy in China is still relatively backward. It is difficult to satisfy the demand for funds by relying on the internal accumulation of rural economic entities alone. Therefore, we must gradually promote the innovation and reform of the rural financial system in our country. In order to promote the sustainable development of rural economy and society, we should establish and perfect the rural financial supply system, which is suitable to the level of rural economic development. This paper aims at deepening rural finance, constructing and perfecting the supply system of rural finance, and applying the relevant theories of rural finance and financial market. This paper studies the present situation and the relationship between supply and demand of the rural financial supply system in China. Although the construction of the rural financial supply system in China is aimed at meeting the needs of rural finance at present, the cooperative finance system in this system is aimed at meeting the needs of rural finance. The interest relationship between policy-oriented financial institutions and commercial financial institutions is not straightened out, and the main functions of each institution are confused, which ultimately leads to the dislocation of their functions, which makes it difficult to meet the needs of rural finance. Even under certain circumstances, it will have a negative impact on the development of rural economy. For example, the Postal savings Bank has long played the role of "pumping unit" of rural funds. Although the rural financial supply system in China is dominated by commercial financial institutions, However, due to its low degree of marketization, the marketization of interest rates and the lack of risk transfer mechanisms such as agricultural insurance, Thus, the imbalance of rural financial supply and demand is further aggravated. Although folk finance has played a certain role in balancing rural financial supply and demand, it has been troubled by its legal operating status and autonomous management right. After deeply analyzing the imbalance of rural financial supply and demand in China, this paper discusses the practices and experiences of establishing rural financial supply system abroad, and puts forward some ideas and suggestions for establishing and perfecting rural financial supply system. To deepen the reform of rural formal financial institutions; secondly, to actively regulate and guide rural private finance, so as to effectively supplement the rural financial supply; finally, the government should strive to create a good rural financial development environment. Based on the analysis of the present situation of rural financial system and the source of imbalance between supply and demand, this paper studies the organizational structure and institutional arrangement of various institutions in the rural financial supply system. To deepen the rural financial reform and innovation in China in a certain reference value and reference significance.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

【引证文献】