基于金融供给视角的现代农村金融体系研究

发布时间：2018-05-05 15:59

本文选题：农村金融体系 + 农村金融供给　；参考：《中国海洋大学》2012年硕士论文

【摘要】：“三农”问题始终是中国的根本问题，也是中国历届政府所一直关注的问题，而“三农”问题的解决，都或多或少的依赖于农村金融。农村金融处于现在农村经济的核心地位，是促进农民收入增加和繁荣农村经济的重要因素，当前农村金融体系存在的一系列弊端已严重影响了“三农”问题的解决，特别是抑制了农户的融资需求，进而影响到我国农村经济的持续高速发展。因此构建一个多功能、高效率的农村金融体系显得十分迫切。中国当前的农村金融体系改革，没有从农村经济的发展现状和农村金融的实际需求来综合考虑，主要以机构多样化来改革农村金融体系，并没有实际性的促进金融体系的优化。长期以来，农村金融需求一直处于被忽视的地位，农村金融供需严重失衡，影响了农村金融体系的全面协调性发展。本文从当前农村金融供给入手，提出了农村金融供给主体多样性的观点，，按照运营模式的特点分别分析当前农村金融供给主体的现状以及存在的问题，并借鉴国外的农村金融体系发展经验与启示，进而提出完善我国农村金融体系建设，重构新型农村金融体系。新型农村金融体系的构建必须根据农村金融的需求来合理安排供给的功能，促进其市场化和产权化的改革，提高各类农村金融供给主体的供给能力：扩大政策性金融的支农融资的覆盖范围；促进商业性金融扶农模式的市场化；推动合作性金融产权关系的全方位改革；规范民间金融以弥补正规金融服务的空白；发展新型金融机构以扩大农村融资的服务渠道：建立多元化的农村金融担保体系并创新担保方式；建立和完善农业保险以保障农民利益。
[Abstract]:The problem of "agriculture, rural areas and farmers" has always been the fundamental problem in China, and has been concerned by successive Chinese governments, and the solution of the problem of "agriculture, rural areas and farmers" is more or less dependent on rural finance. The rural finance is in the core position of the present rural economy, is the important factor that promotes the farmer's income to increase and the prosperity rural economy. A series of malpractices existing in the current rural financial system have seriously affected the solution of the "three rural" problems. Especially, it suppresses the financing demand of farmers, and then affects the sustained and high speed development of rural economy in our country. Therefore, the construction of a multi-functional, high-efficient rural financial system is very urgent. The current reform of rural financial system in China has not been considered synthetically from the current situation of rural economy development and the actual demand of rural finance. It mainly reforms the rural financial system by the diversification of institutions, and does not actually promote the optimization of the financial system. For a long time, rural financial demand has been neglected, rural financial supply and demand has been seriously unbalanced, affecting the overall coordinated development of rural financial system. Starting with the current rural financial supply, this paper puts forward the viewpoint of the diversity of the rural financial supply main body, analyzes the current situation and the existing problems of the rural financial supply main body according to the characteristics of the operation mode. Based on the experience and inspiration of the development of the rural financial system in foreign countries, the author proposes to perfect the construction of the rural financial system in China and to reconstruct the new rural financial system. The construction of new rural financial system must reasonably arrange the function of supply according to the demand of rural finance, and promote the reform of marketization and property right. To improve the supply capacity of all kinds of rural financial supply: to expand the coverage of policy-oriented finance for supporting agriculture; to promote the marketization of commercial financial support for agriculture; to promote the all-around reform of cooperative financial property rights relationship; Standardizing private finance to make up for the gap of formal financial services, developing new financial institutions to expand the service channels of rural finance, establishing a diversified rural financial guarantee system and innovating guarantee methods; To establish and perfect agricultural insurance to protect the interests of farmers.
【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】：F832.3

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