内蒙古普惠金融体系建设研究

发布时间：2018-06-10 00:48

本文选题：普惠金融体系 + 内蒙古　；参考：《内蒙古师范大学》2015年硕士论文

【摘要】：农村地区的金融体系非常复杂,并且也非常的薄弱,近些年,农村地区原有的农村合作金融机构、农业银行、农业发展银行、邮政储蓄银行都在不同程度上进行改革,加大了对农村地区的金融支持,与此同时,许多新型的金融机构如村镇银行、农村资金互助社、小额信贷公司也不断地涌现,改善了农村地区金融供给匮乏的问题,但是农村地区的金融体系仍然存在诸多问题,法律的空白和监管的漏洞很大程度上约束了其健康的发展,使得安全性和稳定性也受到了很大的影响。因此,在此引入“普惠金融体系”这个概念,从供给者、基础设施、法律政策三个层面入手,全面的考察农村地区的金融体系,为广大农村地区的低收入群体提供全方位、有效的金融服务,具有一定的现实意义。本文第一部分绪论,主要介绍了研究的背景及意义、研究综述、研究内容及方法、创新及不足之处。第二部分是普惠金融的基本理论,先界定了普惠金融的内涵及发展历程以及普惠金融的理论基础。第三部分主要介绍了内蒙古普惠金融体系的发展现状。以达茂旗为例,指出内蒙古普惠金融需求现状、供给现状以及金融环境现状,并做出小结。第四部分主要介绍了普惠金融目标的实现与内蒙古金融体系的关系。主要包括普惠金融目标实现对金融机构的要求和内蒙古金融机构对普惠金融目标实现的适应性分析。第五部分主要在第三和第四部分的基础上,找出内蒙古普惠金融体系存在的问题。第六部分主要对普惠金融在国外的实践中比较成功模式进行分析研究,如孟加拉乡村信贷模式、印尼人行乡村信贷模式,通过对这些比较成功的普惠金融实践的典型案例的分析研究,总结出他们成功的特点并加以借鉴。第七部分主要是在第五和第六部分的基础上,从服务提供者层面、市场建设层面、立法和政策协调层面等三个方面提出了建立内蒙古普惠金融体系的针对性对策建议。
[Abstract]:The financial system in rural areas is very complex and very weak. In recent years, the original rural cooperative financial institutions in rural areas, the Agricultural Bank, the Agricultural Development Bank, and the Postal savings Bank, have all carried out reforms to varying degrees. Increased financial support for rural areas. At the same time, many new financial institutions, such as village banks, rural mutual aid societies, and micro-credit companies, have continued to emerge, which has improved the lack of financial supply in rural areas. However, there are still many problems in the financial system in rural areas. The gap of law and the loopholes of supervision restrict the healthy development of the financial system to a great extent, and make the safety and stability of the financial system greatly affected. Therefore, introducing the concept of "inclusive financial system" here, starting from the three levels of provider, infrastructure, and legal policy, we will comprehensively investigate the financial system in rural areas, and provide a comprehensive view of the low income groups in the vast rural areas. Effective financial services have certain practical significance. The first part of this paper introduces the background and significance of the research, research review, research content and methods, innovation and shortcomings. The second part is the basic theory of inclusive finance, which defines the connotation and development of inclusive finance and the theoretical basis of inclusive finance. The third part mainly introduces the development of financial system in Inner Mongolia. Taking Damao Banner as an example, this paper points out the present situation of financial demand, supply and financial environment in Inner Mongolia, and makes a summary. The fourth part mainly introduces the relationship between the realization of inclusive finance and Inner Mongolia financial system. It mainly includes the requirements of financial institutions to achieve inclusive financial goals and the adaptability analysis of financial institutions in Inner Mongolia to the realization of inclusive financial goals. On the basis of the third and fourth parts, the fifth part finds out the problems in the financial system of Inner Mongolia. The sixth part mainly analyzes the successful models of inclusive finance in foreign countries, such as Bangladesh rural credit model, Indonesian people's bank rural credit model. Through the analysis and research on the typical cases of these successful inclusive financial practices, the author summarizes their successful characteristics and draws lessons from them. The seventh part is mainly on the basis of the fifth and sixth parts, from the service provider level, the market construction level, the legislation and policy coordination level, put forward the targeted countermeasures and suggestions to establish the inclusive financial system in Inner Mongolia.
【学位授予单位】：内蒙古师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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