重庆市农村金融体系问题及对策研究

发布时间：2018-03-08 18:39

本文选题：农村金融体系　切入点：农村金融需求　出处：《复旦大学》2012年硕士论文　论文类型：学位论文

【摘要】：农业是中国的根本,是国民经济的基础环节,解决好“三农”问题才能更快地促进我国经济高质高效发展。1982到1986年,中央连续发了五个一号文件,研究农村问题,2004到2012年,中央又连续发了九个以“三农”为主题的“中央一号文件”,强调了“三农”问题在我国经济体系中的重要地位。其中,促进农村经济发展、农民收入增加是解决“三农”问题的关键,这就离不开农村金融体系对其的信贷支持。但是,由于我国大中型商业银行的纷纷股改,大量金融资源撤离农村,而新型金融机构还处于培育阶段,民间金融又有市无位,这就与农村日益丰富、多层次的金融需求产生矛盾。作为西部欠发达地区的重庆市,与其他直辖市不同,具备了大农村、大城市、大农业、大工业的特征,农村经济诸多指标还未赶上全国平均水平,农村金融体系的建设也存在诸多不合理之处,无法满足重庆市各类农村市场主体的诸多金融诉求。因此,其农村金融体系需要不断完善,才能更好地促进农村经济乃至整个国民经济的发展,更好地构建和谐社会。本文就是在这样一个大背景下,针对噬待解决的农村信贷问题进行研究,并将触角细化到重庆市,针对重庆市具体现状进行具体分析。具体来说,就是在总结前辈们研究成果的基础上梳理了现今重庆市农村金融的供需现状,并通过数据的搜集与整理,分析了重庆市农村金融建设中所存在的问题,并借鉴各国以及我国优秀省市的农村金融体系建设经验,提出缓解重庆市农民融资问题、完善农村金融的建议。即：建立多层次、多市场、相互竞争的金融体系以及多样化、差异化、应地制宜的金融产品；发挥中国农业发展银行、中国农业银行的表率作用,重视培育重庆农商行、中国邮政储蓄银行以及新型金融机构这三大融资平台为主力的体系架构,积极配套完善以政府为主导的农村担保和保险体系,以积极的金融供给来引致需求；在全局统筹上,要积极优化重庆市农村金融体系的生态环境,这就需要政府发挥主导作用,特别是地方政府,以此来促进农村金融机构的制度改革和农村金融体系的完善。
[Abstract]:Agriculture is the foundation of China and the basic link of the national economy. Only by solving the problems of "agriculture, rural areas and farmers" can we promote the high quality and efficient development of our economy more quickly. From 1982 to 1986, the Central Committee issued five successive documents to study rural problems from 2004 to 2012. The Central Committee has also issued nine "Central documents" with the theme of "agriculture, countryside and farmers" as the theme, emphasizing the important position of the "three rural" issues in China's economic system. Among them, promoting the development of rural economy. The increase of farmers' income is the key to solve the problem of "agriculture, countryside and farmers", which cannot be separated from the credit support from the rural financial system. However, due to the stock reform of large and medium-sized commercial banks in China, a large number of financial resources have been withdrawn from the countryside. However, the new financial institutions are still in the cultivation stage, and the private finance has no place in the city, which is in contradiction with the increasingly rich rural areas and the multi-level financial demand. As a less-developed western region, Chongqing is different from other municipalities directly under the Central Government. With the characteristics of large rural areas, big cities, large agriculture and large industries, many indicators of the rural economy have not yet caught up with the national average, and the construction of the rural financial system has many irrationality. Therefore, its rural financial system needs to be improved constantly in order to better promote the development of rural economy and the whole national economy, and build a harmonious society better. This article is under such a background, carries on the research to the rural credit problem which needs to be solved, and refines the tentacles to Chongqing, carries on the concrete analysis according to the Chongqing concrete present situation. Specifically, That is, on the basis of summarizing the research results of the predecessors, this paper combs the present situation of supply and demand of rural finance in Chongqing, and analyzes the problems existing in the construction of rural finance in Chongqing through the collection and collation of data. Based on the experience of the construction of rural financial system in various countries and China's excellent provinces and cities, the paper puts forward some suggestions to alleviate the problem of farmers' financing in Chongqing and perfect the rural finance, that is, to establish a multi-level, multi-market, competitive financial system and diversification. Financial products that are differentiated and suitable for land use; the Agricultural Development Bank of China and the Agricultural Bank of China play an exemplary role and attach importance to the cultivation of Chongqing Agricultural and Commercial Bank, The postal savings bank of China and the three major financing platforms of the new type of financial institutions are the main system structures, actively supporting and perfecting the government-led rural guarantee and insurance system, with a positive financial supply to lead to demand; as a whole, as a whole, In order to optimize the ecological environment of the rural financial system in Chongqing, it is necessary for the government to play a leading role, especially the local government, in order to promote the system reform of the rural financial institutions and the perfection of the rural financial system.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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