我国农村金融发展存在的问题及对策研究

发布时间：2018-03-08 18:07

本文选题：农村金融　切入点：发展问题　出处：《山西财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：改革开放30年来，在党和政府的正确领导下，经过几代人的艰苦努力，我国各方面建设取得了举世瞩目的成就。我国是一个农业大国，“三农”问题则成为历届政府各项工作的重中之重，受到高度重视。农业、农村、农民的发展都离不开农村金融的支撑，农村金融问题也成为社会各界的共同关注的热点。农村金融发展状况直接影响农村经济的发展水平，进而影响到社会主义新农村建设战略目标的实现。这给农村金融服务提出更高的要求的同时，也为农村金融发展带来了新的机遇。但我国农村金融业发展缓慢，严重制约了农村经济的发展，面对当前农村金融中存在的各种各样的问题，深入剖析各种问题背后的根源。根据时下农村经济发展的需要，对照国外农村金融发展的经验，找到解决各种问题的途径，这正是本文所要研究的课题。论文对农村金融的定义、内涵及其相关理论进行阐述，总结归纳了我国农村金融发展的历程和现状，及其农村金融发展中存在的问题：农村金融服务体系不健全，，民间金融存在负面影响，农村资金外流严重，农村风险补偿机制缺失。并对制约农村金融发展的相关因素进行分析，结合国外典型国家农村金融发展情况的启示，提出我国农村金融发展的对策，完善农村金融体系建设，推动金融制度创新，营造金融发展环境，加快农村金融服务创新，提高农村金融服务质量，为农村金融业的发展谋划对策。力求从根本上解决农村金融发展中存在的问题，促进农村金融又好又快发展。
[Abstract]:In the past 30 years of reform and opening up, under the correct leadership of the Party and the government, after several generations of hard work, China has made remarkable achievements in all aspects of construction. China is a large agricultural country, and the issue of "agriculture, rural areas and farmers" has become the top priority of all previous governments and has been highly valued. Agriculture, rural areas, The development of farmers can not be separated from the support of rural finance, and rural financial problems have become a common concern of the community. The development of rural finance has a direct impact on the level of rural economic development. Then it affects the realization of the strategic goal of building a new socialist countryside, which puts forward higher requirements for rural financial services and brings new opportunities for the development of rural finance. However, the development of rural financial industry in China is slow. It has seriously restricted the development of rural economy. In the face of various problems existing in current rural finance, the root causes of these problems are deeply analyzed. According to the needs of the development of rural economy nowadays, the experience of rural financial development abroad is compared. Find a way to solve all kinds of problems, this is the subject of this paper. This paper expounds the definition, connotation and related theories of rural finance, summarizes the course and current situation of rural financial development in China, and the problems existing in the development of rural finance: the rural financial service system is not perfect. The folk finance has negative influence, the rural capital outflow is serious, the rural risk compensation mechanism is missing. The related factors that restrict the development of rural finance are analyzed, combined with the enlightenment of the development of rural finance in typical foreign countries. The countermeasures for the development of rural finance in China are put forward, the construction of rural financial system is perfected, the innovation of financial system is promoted, the environment of financial development is created, the innovation of rural financial service is quickened, and the quality of rural financial service is improved. In order to solve the problems existing in the development of rural finance and promote the sound and rapid development of rural finance, we should plan countermeasures for the development of rural financial industry.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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