河北省农村金融资金外流问题研究

发布时间：2018-04-01 09:46

本文选题：资金外流　切入点：农村金融　出处：《河北大学》2012年硕士论文

【摘要】：河北省作为一个农业大省，“三农”问题始终是关系全省经济发展的重大问题。目前在河北省农村经济发展的过程中，资金短缺已成为制约其发展的瓶颈，究其原因，除农村经济发展落后自身积累不足、外部资金注入较少外，其中最重要的原因是农村资金通过各种渠道从农村流出，尤其是农村金融机构已成为农村资金外流的主渠道，这严重影响农村经济的可持续发展，因此解决河北省农村金融资金外流的问题是非常有必要的。本文主要从农村金融机构渠道的角度为重点来研究河北省农村资金外流问题。首先通过对河北省主要农村金融机构各项存贷款数据的分析，，发现无论是商业化经营的四大商业银行及农村邮政储蓄，还是一直担任着支农主力军角色的农村信用社，都已成为农村资金的“吸储器”，严重阻碍了河北省农村经济的可持续发展。然后从理论层面分析了河北省农村资金外流的原因，认为农村经济发展落后对资金吸引力较差、农村金融机构支农功能弱化以及农村金融外部环境不完善等是造成河北省农村金融资金外流的主要原因。最后考察研究了国内外抑制农村资金外流的具体实践，如美国的再投资制度、法国功能齐全的农业信贷互助银行、日本完善的农业风险防范机制等，借鉴他们改善农村金融供需矛盾、保证资金在农村内部循环的经验，结合河北省实际情况，提出了建立与河北省农村发展相适应的金融支农体系、完善农村金融的外部环境、实施金融财政激励政策等引导农村资金回流的政策建议。
[Abstract]:As a big agricultural province, the issue of agriculture, rural areas and farmers has always been an important issue in the economic development of Hebei Province.At present, in the process of rural economic development in Hebei Province, the shortage of funds has become the bottleneck restricting its development.The most important reason is that rural funds flow out of rural areas through various channels, especially rural financial institutions have become the main channel of rural capital outflow, which seriously affects the sustainable development of rural economy.Therefore, it is necessary to solve the problem of rural financial capital outflow in Hebei Province.This paper focuses on the rural capital outflow from the perspective of rural financial institutions.First of all, by analyzing the data of deposit and loan of the main rural financial institutions in Hebei Province, it is found that the four commercial banks and the rural postal savings, as well as the rural credit cooperatives, which have been playing the main role in supporting agriculture, are not only the commercial banks, but also the rural postal savings.Both of them have become the "sucking and storing device" of rural funds, which seriously hinders the sustainable development of rural economy in Hebei Province.Then it analyzes the reasons of the rural capital outflow from the theory level, and thinks that the backward development of rural economy has poor attraction to the capital.The weakening of the supporting function of rural financial institutions and the imperfect external environment of rural finance are the main reasons for the outflow of rural financial funds in Hebei Province.Finally, the paper investigates and studies the specific practices of restraining the outflow of rural funds at home and abroad, such as the reinvestment system of the United States, the full-featured agricultural credit mutual bank in France, the perfect agricultural risk prevention mechanism in Japan, and so on.Based on their experience of improving the contradiction between supply and demand of rural finance and ensuring the circulation of funds in rural areas, and combining with the actual situation in Hebei Province, this paper puts forward the establishment of a financial support system suitable for the development of rural areas in Hebei Province and the improvement of the external environment of rural finance.Implementation of financial incentives and other policies to guide the return of rural capital policy recommendations.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7

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