基于功能视角的内蒙古农村金融发展研究

发布时间：2018-06-02 13:25

本文选题：农村金融 + 金融发展　；参考：《内蒙古农业大学》2012年硕士论文

【摘要】：农村金融是我国金融体系的重要组成部分,是现代农村经济发展的核心。农村金融发展是有效服务于“三农”发展的重要力量。而“三农”发展一直是我党工作的重中之重,它不仅关系到亿万农民的切身利益,更加关系到我国长远的安定与发展。因此,有效地推进农村金融改革,加快农村金融服务于“三农”发展的步伐,具有重要的现实意义。然而,随着我国农村金融体制改革的不断深化,内蒙古农村金融发展水平却依然较为落后。那么在内蒙古农村金融发展的过程中还存在哪些问题,发展的目标是什么,运用什么样的方法进行改革等,是值得我们进行深入研究的一个课题。本文基于功能视角对内蒙古农村金融发展进行了系统研究,在借鉴金融发展理论以及农村金融发展理论的国内外研究成果的基础之上,研究了功能视角下的农村金融发展内涵；并按照“功能观”的逻辑方法,对内蒙古农村金融发展进行了系统的功能分析和实证分析,从功能分析中发现：内蒙古农村金融的基础服务功能发挥的较为充分,资源配置功能逐步显现但不完善,对风险管理功能和提供价格信息功能有了初步要求,但要充分发挥还需进一步的试点和实践；从实证分析中发现：内蒙古农村金融发展水平还处于初级发展阶段,离实现农牧民增收的高级发展阶段还有一段距离；由此本文从结构优化和功能改善两个方面给出了内蒙古农村金融发展的相关对策建议。本文研究的创新点主要表现在以下两个方面：一是从理论研究的角度,本文在总结大量已有研究成果的基础之上,研究了内蒙古农村金融发展的内涵,即农村牧区金融结构的优化以及农村金融功能的演进与改善,并指出其发展的本质在于通过农村金融的可持续发展促进内蒙古农村经济的可持续发展,最终以实现农牧民持续增收为目标。二是从研究框架的角度,系统地运用了“功能观”的研究思路,即从分析内蒙古农村金融的外部环境入手,按照外部环境对金融功能提出的需求并结合内蒙古农村实际情况具体分析了内蒙古农村金融的功能效应,进而提出金融结构优化的对策建议。
[Abstract]:Rural finance is an important part of China's financial system and the core of the development of modern rural economy. The development of rural finance is an important force to serve the "three rural" development effectively. The development of "three rural" is the most important part of our party's work. It is not only related to the vital interests of millions of farmers, but also more related to the long-term security of our country. Therefore, it is of great practical significance to effectively promote rural financial reform and accelerate the pace of rural financial services to "three rural" development. However, with the deepening of the reform of the rural financial system in China, the level of rural financial development in Inner Mongolia is still relatively backward. So in the process of rural financial development in Inner Mongolia, the development of rural finance is still relatively backward. What problems exist, what is the goal of development, and what methods to carry out reform are worth studying in depth.
This paper makes a systematic study on the rural financial development of Inner Mongolia based on the functional perspective. On the basis of the financial development theory and the domestic and foreign research results of the rural financial development theory, this paper studies the connotation of rural financial development in the functional perspective, and according to the logical method of "function view", the rural financial development in Inner Mongolia. The functional analysis and empirical analysis are carried out. From the functional analysis, it is found that the basic service function of rural finance in Inner Mongolia is more full, and the function of resource allocation is gradually appearing but not perfect. It has preliminary requirements for the function of risk management and the function of providing price information, but it needs further pilot and practice to give full play to it. From the empirical analysis, it is found that the level of rural financial development in Inner Mongolia is still in the primary stage of development, and there is still a certain distance from the advanced stage of increasing the income of farmers and herdsmen. From this, this paper gives the countermeasures and suggestions for the development of rural finance in Inner Mongolia from two aspects of structural optimization and function improvement.
The innovation of this paper is mainly manifested in the following two aspects:
First, from the theoretical point of view, this paper, on the basis of a large number of existing research achievements, has studied the connotation of rural financial development in Inner Mongolia, that is, the optimization of the financial structure of rural pastoral areas and the evolution and improvement of rural financial functions, and points out that the essence of its development is to promote Inner Mongolia farmers through the sustainable development of rural finance. The sustainable development of village economy is ultimately aimed at achieving sustained increase in farmers and herdsmen.
Two, from the perspective of the research framework, we systematically apply the "view of function", that is, from the analysis of the external environment of rural finance in Inner Mongolia, the demand of the financial function in accordance with the external environment and the actual situation in Inner Mongolia rural areas, the functional effects of Inner Mongolia rural finance are analyzed, and then the financial structure is superior. Countermeasures and suggestions.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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