我国农村融资担保制度研究

发布时间：2018-03-20 16:20

本文选题：农村融资　切入点：担保模式　出处：《西南大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着新农村建设的逐步推进,农村经济结构日益多元化,对资金的需求逐年增长,然而农村金融资源供给不足的问题长期存在,成为制约农村经济发展且久攻不破的难题。究其原因,主要是农村融资担保制度存在严重缺陷,导致农户和农村企业无法获得相应的金融资源。为解决农村融资难,在中央政策的大力支持下,各地开展了对农村融资担保方式的积极探索。本文回应现实需要,探究农村融资担保制度的基础理论、现状、问题、创新实践,并在此基础之上提出相应的完善建议。绪论部分：首先交代了本文的选题背景和现实意义,然后进一步明确本文的写作思路,并就本文所采用的研究方法做出说明,最后提出了本文中可能存在的一些创新和不足,以作为今后继续努力的方向。第一部分：农村融资担保制度的基本理论。本部分就融资、融资担保制度概念作了明确的界定,并就融资担保制度的法律关系进行说明,将金融公平论和金融权利论作为农村融资担保制度的理论基础,为下文的研究提供理论支撑。第二部分：对我国农村融资担保制度现状的透视。我国农村融资担保的传统模式包括抵押、质押和保证三种。面对不断变化的实践,现在的担保机制存在金融供给体系失衡、担保模式创新不足、担保资源匮乏和风险因素较多等主要问题,究其原因,主要是法律制度滞后、农村社会信用制度不健全、产权制度存在障碍以及风险防范机制缺乏。第三部分：对我国农村融资担保制度的实践创新形式进行分析。近年来,为盘活农村资源,各地积极探索融资担保的新形式,在农村产权抵押融资制度和农户联保制度改革中做出了大胆的尝试,争取建立政府搭台、市场参与的融资担保创新模式。出现了不动产抵押创新为主、中介机构纷纷参与以及动产抵押、质押创新增多的新趋势。第四部分：国外融资担保模式的经验借鉴。相比之下,美国、法国、印度和巴西的农村融资担保制度比较完备,究其共性而言,法律制度完备、农村金融体系合理、政府监管职责明确是农村融资担保制度良好运行的重要保障。第五部分：我国农村融资担保制度的完善。本部分是本文研究的落脚之处,在前面研究的基础之上,提出了具有针对性的建议。与第二部分我国农村融资担保制度的困境相呼应,并从担保模式创新、扩大农村担保物范围、产权制度改革和配套机制完善四个大的方面着手,提出了具体的改善措施,以建立一套符合我国国情的农村融资担保制度。
[Abstract]:With the gradual development of the new rural construction, the rural economic structure is becoming more and more diversified, and the demand for funds is increasing year by year. However, the problem of insufficient supply of rural financial resources has existed for a long time. It is a difficult problem to restrict the development of rural economy and cannot be broken down for a long time. The main reason is that there are serious defects in the guarantee system of rural financing, which results in the farmers and rural enterprises being unable to obtain the corresponding financial resources. With the support of the central policy, various localities have carried out active exploration of the rural financing guarantee mode. This paper responds to the practical needs and explores the basic theory, current situation, problems and innovative practice of the rural financing guarantee system. And on this basis put forward the corresponding improvement suggestions. Introduction: first of all, it explains the background and practical significance of this paper, then further clarifies the writing ideas of this paper, and explains the research methods adopted in this paper. Finally, it points out some innovations and shortcomings that may exist in this paper. In order to continue efforts in the future direction. The first part: the basic theory of rural financing guarantee system. This part makes a clear definition of financing and the concept of financing guarantee system, and explains the legal relationship of financing security system. The theory of financial equity and financial rights is regarded as the theoretical basis of rural financing guarantee system, which provides theoretical support for the following research. The second part: the perspective of the current situation of the rural financing guarantee system in our country. The traditional mode of the rural financing guarantee in our country includes three kinds: mortgage, pledge and guarantee. In the face of the changing practice, there is an imbalance of the financial supply system in the current guarantee mechanism. The main problems such as insufficient innovation of guarantee mode, shortage of guarantee resources and many risk factors are mainly due to the lag of legal system, unsound rural social credit system, obstacles to property right system and lack of risk prevention mechanism. In recent years, in order to activate the rural resources, all regions actively explore new forms of financing guarantee. In the reform of the rural property right mortgage financing system and the rural household protection system, the author made a bold attempt to establish the innovative mode of financing guarantee in which the government set up a platform and participated in the market. Intermediary institutions have participated and chattel mortgage, pledge innovation increased new trend. Part 4th: the experience of foreign financing guarantee model. By contrast, the rural financing guarantee system of the United States, France, India and Brazil is relatively complete. In general, the legal system is complete and the rural financial system is reasonable. The clear responsibility of government supervision is an important guarantee for the good operation of rural financing guarantee system. Part 5th: the perfection of China's rural financing guarantee system. This part is the foothold of this paper, based on the previous research, Some suggestions are put forward, which echo the dilemma of the second part of our country's rural financing guarantee system, and start from four aspects: the innovation of guarantee mode, the expansion of the scope of rural collateral, the reform of property right system and the perfection of supporting mechanism. The concrete improvement measures are put forward in order to establish a set of rural financing guarantee system in accordance with the national conditions of our country.
【学位授予单位】：西南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.4

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