面向“三农”的农村正规性金融机构共生性研究

发布时间：2018-05-01 20:46

本文选题：农村金融机构 + 三农　；参考：《湖南大学》2012年硕士论文

【摘要】：2004年以来，党中央连续发布一号文件来强调解决“三农”问题的重要性，注重农村金融改革以促进农村经济不断发展，但农村金融发展遭受现实困境：商业性金融机构在农村金融领域的功能严重弱化，政策性金融机构功能不全，合作性金融机构由于自身设置缺陷而无法满足新型农村经济发展的金融需求，使大量的农户金融需求无法得到有效的满足。农村不同经济主体呈现出来的金融需求多样性，决定了不能由单一的金融机构占有农村金融市场。本文试图从共生的角度探讨不同类型农村金融机构之间相互作用与结合的相关问题，对农村正规性金融机构共生发展做深入研究。首先以生物学的共生理论为起点，应用生物共生理论对农村金融中的一些基本概念从共生的角度重新理解，明晰了农村金融机构共生的三要素，即共生环境、共生单元与共生模式，确立了农村金融机构共生的条件。通过对农村金融机构共生现况分析可知，尽管目前农村金融服务体系中存在着以中国农业发展银行、中国农业银行和农村信用合作社为代表的多种金融共生单元，但农村金融市场建设进程缓慢，法律法规不完善，竞争环境紊乱，彼此之间职能不明而表现出竞争而非合作的关系，并未形成一个完整的共生组织体系。而在共生体系下，资源配置将更加高效，机构发展也将更加有序和均衡，这对农村经济发展意义深远。在理论与现状的基础上，针对农村金融机构成长与生物种群生长特征的类似性，均要经历一个产生、发展和稳定共生演化过程，本文采用logistic基础模型，，拟合出作为农村正规性金融机构代表的三大农村金融机构生长曲线，简化出三者之间的共生模式。从三者在logistic生长曲线演化路径来看，三者都还处在生长曲线的第一阶段，下一阶段各金融机构将迈入加速度为正急速增长的成长期。在市场初期，三大金融机构彼此之间具有不同功能的共生贡献度，农业发展银行借助其低成本的融资优势形成的市场拓荒作用，而其他金融机构在区域与功能上与农业发展银行支农效果互补，从而形成了连续的非对称性互惠共生模式。三大金融机构信贷规模还远远没有达到支农规模的最优化，各金融机构的信贷规模在一定程度上依赖于国家的优惠政策和税收补贴，农村金融机构的共生模式并不稳定，急需深化自身改革扩充业务量来提高支农μ程度。
[Abstract]:Since 2004, the Party Central Committee has issued document No. 1 in succession to emphasize the importance of solving the "three rural" problems and to pay attention to rural financial reform in order to promote the continuous development of the rural economy. However, the development of rural finance suffers from practical difficulties: the functions of commercial financial institutions in rural finance are seriously weakened, and the functions of policy-oriented financial institutions are not complete. The cooperative financial institutions can not meet the financial needs of the new rural economic development because of their own defects, which makes a large number of farmers' financial needs can not be effectively met. The diversity of financial needs of different economic entities in rural areas determines that the rural financial market cannot be occupied by a single financial institution. From the perspective of symbiosis, this paper attempts to explore the interaction and combination of different types of rural financial institutions, and make a deep study on the symbiotic development of rural formal financial institutions. Firstly, based on the biological symbiosis theory, the author uses the biological symbiosis theory to re-understand some basic concepts of rural finance from the perspective of symbiosis, and clarifies the three elements of the symbiosis of rural financial institutions, that is, the symbiotic environment. The symbiotic unit and symbiotic model establish the condition of rural financial institution symbiosis. Through the analysis of the symbiosis of rural financial institutions, we can know that although there are many kinds of financial symbiosis units, such as Agricultural Development Bank of China, Agricultural Bank of China and Rural Credit Cooperative, in the present rural financial service system, However, the construction process of rural financial market is slow, the laws and regulations are not perfect, the competition environment is disordered, and the function of each other is not clear, showing the relationship of competition rather than cooperation, which has not formed a complete symbiotic organization system. In the symbiotic system, the allocation of resources will be more efficient, and the institutional development will be more orderly and balanced, which has far-reaching significance to the development of rural economy. On the basis of theory and present situation, aiming at the similarity between the growth of rural financial institutions and the growth characteristics of biological population, both of them have to undergo a process of production, development and stable symbiotic evolution. This paper adopts logistic basic model. The growth curves of three rural financial institutions, which are the representatives of rural formal financial institutions, are fitted to simplify the symbiotic model between them. From the evolution path of the three growth curves in logistic, the three are still in the first stage of the growth curve, and in the next stage, the financial institutions will step into a period of rapid growth with a positive acceleration. In the early stage of the market, the three major financial institutions have different functions of symbiotic contribution to each other, and the Agricultural Development Bank forms the market pioneer role by virtue of its low-cost financing advantage. Other financial institutions complement each other in their regional and functional effects to agricultural support by the Agricultural Development Bank, thus forming a continuous asymmetric reciprocal symbiotic model. The credit scale of the three major financial institutions is far from optimizing the scale of supporting agriculture. To some extent, the credit scale of the financial institutions depends on the preferential policies and tax subsidies of the state, and the symbiotic model of the rural financial institutions is unstable. It is urgent to deepen its own reform and expand its business volume to improve the degree of agricultural support 渭.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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