内蒙古农村金融体系研究

发布时间：2018-03-25 11:17

本文选题：农村　切入点：金融体系　出处：《内蒙古大学》2012年硕士论文

【摘要】：农村金融体系是我国金融体系的重要组成部分,改革开放以来特别是近年来,随着我国金融体制改革的不断发展,以信用社为重点的农村金融体制改革逐步加快,并取得了积极成效。内蒙古的农村金融体系改革基本沿袭国家金融体系改革进程。随着经济体制改革的进一步深化和市场经济体制本身的要求,尤其是在经济全球化、信息技术的迅猛发展以及金融国际化步伐加快的背景下,我区现有的农村金融体制弊端逐渐暴露。农村金融体制改革的难点在偏远落后地区,作为中西部地区的内蒙古,受欠发达地区经济和政策制约以及自身发展,农村金融改革与发展距全国发达地区的水平有很大的差距。迄今为止,内蒙古的农村金融体制改革严重滞后于农村税费改革,甚至成为整个农村改革最为薄弱的环节,农村金融服务功能弱化、资金外流严重、农村信用社改革力度不够等问题严重制约着农牧业结构调整、农牧区发展和农牧民增收。剖析其根源,最主要的是内蒙古农村牧区经济发展滞后、金融制度安排缺陷、国家扶持和优惠政策不到位等因素。因此,加快农村牧区金融体制改革,建立一套合理、高效、健康运行的农村金融体系,已成为当前解决内蒙古“三农、三牧”问题的迫切要求。当今国际国内具有代表性的农村金融理论与实践范式有农业信贷补贴论、农村金融市场论和斯蒂格里茨不完全竞争市场理论及哈耶克局部知识分析范式等。斯蒂格利茨(Stiglitz)的“金融约束”理论指出了市场的不完善性以及政府干预农村金融发展的必要性,进而使得在实践中“不完全市场理论”逐渐替代“农村市场理论”和“农村信贷补贴理论”而占主导地位。近年来,我区一直在不断探索完善农村金融体系。依照斯蒂格里茨不完全竞争市场理论,同时借鉴国外农村金融体系的实践经验,在深化改革内蒙古农村金融体系过程中,我们必须把握实用性原则、渐进性原则、经济金融协调可持续发展原则等,加快农村金融机构自身建设原则和选择供给导向型金融深化模式。深化内蒙古农村牧区金融体系改革,建立新型的金融体系应该是一个多层次、多体系的农村牧区金融服务体系,既需要发挥金融市场固有的自由竞争机制,又要充分发挥国家财政金融扶持农村金融作用,这个体系应该是一个既需要包括政策性金融进而由政府财政间接补偿农牧业,也要包括商业金融、合作金融、民间金融、保险、投资基金等在内的完整体系。针对内蒙古农村牧区金融体系存在的问题及根源,按照深化改革内蒙古农村牧区金融体系必须把握的原则和金融深化模式,在汲取世界各国成功经验的基础上,进而提出培育农村金融市场竞争机制、突出政策性金融主导作用、强化合作性金融主体作用、发挥商业银行金融支持作用、加快邮政储蓄改革、完善农牧业保险体系、引导民间融资规范发展和加大农村牧区金融监管力度等政策措施及对策建议。本文正是基于这一点,系统分析了我们应该如何构建高效合理的农村金融体系,让其发挥最大的功效来促进内蒙古农牧业的可持续发展。
[Abstract]:The rural financial system is an important part of China's financial system since the reform and opening up, especially in recent years, with the continuous development of China's financial system reform, the reform of the rural financial system to credit cooperatives as the focus gradually accelerated, and achieved positive results. The reform of rural financial system in Inner Mongolia basically followed the financial system reform process state with the deepening economic system reform and the requirements of market economy system, especially in the economic globalization, the rapid development of information technology and accelerate the pace of financial globalization background, the existing rural financial system defects in our region. The reform of the rural financial system gradually exposed the difficulties in remote and backward areas in the central and western regions of Inner Mongolia. The economy of less developed regions and its constraints and policy development, financial reform and development in rural areas of the country have developed from A big gap. So far, the reform of the rural financial system in Inner Mongolia lagged behind the reform of rural taxes and fees, and even become the weakest link in the whole rural reform, weakening the function of rural financial services, capital outflow is serious, the strength of the reform of rural credit cooperatives is seriously restricting the agricultural structure adjustment, the development of agricultural and pastoral areas and farmers analyze the source of income. The most important is that the rural and pastoral areas of Inner Mongolia economic development lags behind, the financial system defects, state support and preferential policies are not in place and other factors. Therefore, accelerate the reform of rural and pastoral areas of finance, establish a rational, efficient and healthy operation of the rural financial system, to solve the "three rural Inner Mongolia has become the current urgent. Requirements of Sanmu" problem. Domestic and international representative of the rural financial theory and practice of rural credit subsidy theory, rural financial market theory and Stieglitz did not fully competitive market theory and Hayek's local knowledge analysis paradigm. Stiglitz (Stiglitz) "financial constraints" theory points out that the market is not perfect and the necessity of government intervention in rural financial development, which in practice "incomplete market theory" replace "rural market theory" and "rural credit subsidy the theory of" dominant. In recent years, our region has been constantly exploring to improve the rural financial system. According to Stieglitz's incomplete competition market theory, and draw on the experience of foreign rural financial system in Inner Mongolia, deepen the reform of rural financial system in the process, we must grasp the practical principle, progressive principle, economic and financial coordination principle sustainable development, accelerate rural financial institutions own construction principles and selection of supply oriented financial deepening deep mode. The reform of rural financial system in Inner Mongolia, to establish a new financial system should be a multi-level system of financial services in rural and pastoral areas, multi system, free competition mechanism not only need to play the financial market inherent, but also give full play to the national finance to support rural financial function, this system should be a need to include policy and finance the government financial indirect compensation of agriculture and animal husbandry, should also include commercial finance, cooperative finance, private finance, insurance, investment funds, complete system. In rural and pastoral areas in Inner Mongolia and the root causes of the existing problems in the financial system, in accordance with the deepening reform of financial system in rural and pastoral areas of Inner Mongolia must grasp the principles and modes of financial deepening, based on absorbing the world the successful experience, and puts forward the cultivation of rural financial market competition mechanism, highlighting the leading role of financial policy, strengthen cooperation The main role of sex finance is to play the role of financial support of commercial banks, accelerate the reform of postal savings, improve the insurance system of agriculture and animal husbandry, guide the standardized development of private financing and increase the financial supervision of rural pastoral areas, and so on.
Based on this point, this paper systematically analyzes how we should build an efficient and rational rural financial system to maximize its effectiveness to promote the sustainable development of Inner Mongolia's agriculture and animal husbandry.

【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7

【参考文献】