农村金融产品和服务创新研究

发布时间：2018-06-06 05:37

本文选题：农村 + 金融产品　；参考：《西北农林科技大学》2015年硕士论文

【摘要】：中国共产党第十八届全国人民代表大会上曾经指出,我国政府目前工作的重心是在农村大力开展农业基础建设和社会事业的发展,全面改善农民生活水平,提升农生生活质量。具体到我国农村金融市场的层面来看,对我国广大农民来说,由于农村金融市场发展不健全、农村新型金融产品创新力不足等问题导致了他们在农村金融市场上进行信贷活动时遭遇了一系列的障碍,主要表现在对资金的需求得不到满足,其次表现在农村支付体系相对薄弱,农民群众理财产品选择、现金收付都存在困难,由此带来的收入来源渠道有限、收入普遍偏低的问题,与十八大提出的“让全体中国人民迈入全面小康”的目标还有很大差距,缘此,从经济领域着手,改善农村金融环境,加强农村金融产品和服务的创新,为农村金融发展创造条件,对于完善我国农村金融市场、提高农民群众收入来说具有着十分重要的现实和理论意义。本文正是从理论发展和现实需要的这种需求出发,首先分析了农村金融产品和服务的概念发展、主要内容及相关理论,并在对国内外已有文献的综述基础上,对我国农村金融产品和服务创新现状进行了阐述,随后又对我国农村金融产品和服务创新中存在的问题包括对市场定位认识不到位、金融产品的创新缺乏完整性、相关配套政策不到位、创新主体单一、激励制度匮乏以及科技水平较低进行分析,并找出导致问题产生的制约因素如农村金融市场的垄断,使得农村金融市场缺乏有效地竞争和活力;体制存在弊端,金融创新缺乏基础;内控制度缺乏,金融产品和服务的创新缺乏风险控制保障;金融机构从业人员质量参差不齐,产品和服务创新缺乏人力资源支撑。同时论文通过借鉴国外的成功经验和启示,以杨凌示范区农村金融产品和服务创新案例分别从农村金融产品创新--农村产权抵押“杨凌模式”、“订单农业”贷款、无形资产抵押贷款,及农村金融服务创新--推进农村信用体系建设、设立农村金融轻型网点建设、开展农村金融知识理财宣传等方面进行实证分析,最后从政府出台合理财政政策,放宽对农村金融市场限制;涉农金融监管机构完善金融产品和服务的监管制度;加强同行业之间合作,鼓励民间资本进入农村金融市场;树立正确创新意识,致力打造特色品牌产品以及建立良好外部环境,改善农村信用环境;加快支付方式转变,推动线上、线下全面融合等方面提出了完善农村金融产品和服务创新总结出了完善我国农村金融产品和服务创新的对策建议。论文研究结论:(1)我国农村金融产品与服务创新在各个不同层面取得一定的进展。(2)虽然农村金融产品创新有不同程度的进展,但是仍存在着一系列的问题。如市场定位认识不到位、金融产品的创新缺乏完整性、相关配套政策不到位、创新主体单一、激励制度匮乏以及科技水平较低。(3)面对我国农村金融产品所存在的种种问题,在借鉴了美国、法国和孟加拉国的先进农村金融产品与服务创新的经验基础上,在对杨凌示范区农村金融产品和服务创新案例进行实证分析的条件下,本文从政府财政、涉农金融机构、农村信用环境、现代化支付体系、农产品互联网金融等六方面提出了完善我国农村金融产品的服务与创新的建议。
[Abstract]:At the eighteenth National People's Congress of the Communist Party of China, it was pointed out at the National People's Congress that the focus of our government's work at present is to develop agricultural infrastructure and social undertakings in rural areas, to improve the living standards of farmers and to improve the quality of life of the farmers. Because of the unsound development of the rural financial market and the lack of innovation ability of the new financial products in rural areas, a series of obstacles have been encountered when they carry out credit activities in the rural financial market, which is mainly manifested in the lack of demand for funds, followed by the relatively weak payment system in the rural areas, and the selection of the farmers' financial products. There is a big gap between the limited income sources and the low income of the income source, which has a big gap with the goal of "let the whole Chinese people move into a well-off society in an all-round way". From the economic field, we should improve the rural financial environment, strengthen the innovation of rural financial products and services, for the farmers. The creation conditions of village financial development have very important realistic and theoretical significance for improving the rural financial market and raising the income of the farmers. This paper, starting with the demand of theoretical development and reality, first analyzes the concept development of rural financial products and services, the main contents and related theories, and it is also an analysis of the development of the rural financial products and services. On the basis of the literature review at home and abroad, the present situation of rural financial products and service innovation in China is expounded. Then the problems in the innovation of rural financial products and services in our country include the lack of understanding of the market positioning, the lack of integrity of the innovation of financial products, the lack of relevant supporting policies, and the single innovation subject. The lack of incentive system and low level of science and technology analysis, and find out the constraints that lead to the problem, such as the monopoly of the rural financial market, make the rural financial market lack of effective competition and vitality, the system has disadvantages, the lack of financial innovation foundation, the lack of internal control system, the lack of financial products and services risk control insurance. The quality of the employees in financial institutions is uneven, and the innovation of products and services lacks the support of human resources. At the same time, by drawing on the successful experience and Enlightenment from foreign countries, the paper takes the rural financial products and service innovation cases in the Yangling demonstration area from the rural financial products innovation, the "Yangling model" of rural power production mortgage, and the loan of "order agriculture". Money, intangible assets mortgage loans, and rural financial services innovation - promoting the construction of rural credit system, setting up the construction of rural financial light outlets, carrying out the rural financial knowledge and financial publicity and so on. Finally, the government has issued reasonable financial policies to relax the financial market restrictions on agricultural villages, and the agricultural financial supervision institutions to improve gold. To strengthen the supervision system of products and services, to strengthen the cooperation between the same industry, to encourage the private capital to enter the rural financial market, to establish the correct awareness of innovation, to build a special brand product and to establish a good external environment, to improve the rural credit environment, to accelerate the transformation of the mode of payment, to promote the line and the overall integration of the line and so on. The innovation of village financial products and services summarizes the countermeasures and suggestions to improve the innovation of rural financial products and services. The conclusions are as follows: (1) China's rural financial products and service innovation have made certain progress in different levels. (2) although there are different degrees of progress in the innovation of rural financial products, there are still a series of questions. If the market positioning is not in place, the innovation of financial products is lacking integrity, the relevant supporting policies are not in place, the innovation subject is single, the incentive system is scarce and the level of science and technology is low. (3) in the face of various problems existing in the rural financial products in China, the advanced rural financial products and services in the United States, France and Bangladesh have been used for reference. On the basis of the new experience, in the case of empirical analysis of the case of rural financial products and service innovation in the Yangling demonstration area, this paper puts forward some suggestions on the service and innovation of rural financial products in China from six aspects, such as government finance, agricultural financial institutions, rural credit environment, modern payment system, and agricultural products Internet finance.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

【参考文献】