山东省农村民间金融规范化研究

发布时间：2018-04-02 09:00

本文选题：农村民间金融　切入点：效应分析　出处：《中国海洋大学》2012年硕士论文

【摘要】：农村民间金融在世界各国普遍存在,又因各国环境、文化的差异而各具特色。改革开放以来,农村经济得到迅速的发展,在此基础上,农村民间金融也得到很大的发展,逐步成为我国金融体系的重要组成部分。事物总是一分为二的,农村民间金融也不例外。一方面,农村民间金融弥补了农村正规金融的不足,解决了农村金融资源匮乏的问题,促进了农村经济,优化了农村的资源配置。另一方面,农村民间金融也带来了一些负面影响,比如违约风险高、不受金融监管的约束、投资的盲目性、利率奇高等,这都严重扰乱了正常的金融秩序,增加了社会的不稳定因素。虽然农村民间金融存在较多的负面效应,但是在我国还是有广泛的发展空间的。为了使农村民间金融能够更好的为经济服务,国家政策支持就显得十分重要。政府对待农村民间金融的态度对金融体系的完善乃至整个国民经济的发展都具有极其重要的意义。本文在总结国内外农村民间金融的发展现状的基础上,运用历史分析法和案例分析的形式,总结了我国农村民间金融的发展历程和发展规律,并对农村民间金融发展情况存在的主要形式和特点进行了概括分析。在对我国农村民间金融发展历史回顾的基础上,结合山东省的实际情况,分析农村民间金融的正负面效应分析,指出优势和不足,并针对这些不利影响,探寻解决办法。本文参考和借鉴国际上其他国家的成功经验并结合山东省自身的实际情况提出了山东省农村民间金融的规范化的对策建议。
[Abstract]:Rural folk finance exists all over the world, and has its own characteristics because of the differences of environment and culture.Since the reform and opening up, the rural economy has been developing rapidly. On this basis, rural folk finance has also been greatly developed, gradually becoming an important part of the financial system of our country.Things are always divided into two, rural folk finance is no exception.On the other hand, private finance in rural areas has also brought some negative effects, such as high default risk, not subject to financial supervision, blindness in investment, and exceptionally high interest rates, all of which have seriously disturbed the normal financial order.Increased social instability.Although there are many negative effects in rural folk finance, there is still wide scope for development in our country.In order to enable rural private finance to better serve the economy, national policy support is very important.The government's attitude towards rural folk finance is of great significance to the improvement of financial system and the development of the whole national economy.On the basis of summarizing the present situation of the development of rural folk finance at home and abroad, this paper summarizes the development course and law of rural folk finance in China by using the form of historical analysis and case analysis.The main forms and characteristics of the development of rural folk finance are summarized and analyzed.On the basis of reviewing the development history of rural folk finance in China and combining the actual situation of Shandong Province, this paper analyzes the positive and negative effects of rural folk finance, points out the advantages and disadvantages, and explores the solutions to these adverse effects.Based on the successful experiences of other countries in the world and the actual situation of Shandong Province, this paper puts forward some countermeasures and suggestions for the standardization of rural folk finance in Shandong Province.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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