新型农村金融组织发展中的政府行为研究

发布时间：2018-08-07 10:49

【摘要】：在我国金融市场化的进程中,农村金融市场逐步由单一的国家银行发展成为由商业银行、政策性银行等传统正规金融组织和新型农村金融组织组成的多层次的金融市场。其中,新型农村金融组织以其独特的优势在农村金融市场发挥了为农村地区提供金融服务、弥补正规金融空白的重要作用。作为服务“三农”和小微企业的新型金融机构,新型农村金融组织的试点和发展,为农村金融市场注入了新鲜血液,激发了农村金融市场中各类金融机构的良性竞争。然而,在当前的政策环境下,部分新型农村金融组织出现了偏离“三农”和小微企业服务目标的情况,甚至难以实现财务绩效、继续健康发展。在这样的背景下,通过回顾我国农村金融改革的历程和梳理当前新型农村金融组织发展中的政府行为,总结政府干预市场的必要性和过度干预引发的问题,可以发现政府行为如果不能与市场相协调,会阻碍新型农村金融组织财务绩效与社会绩效的协调发展。在此基础上,本文通过对涟源市的政府行为和小额贷款公司发展情况的调查分析,认为政府必须合理定位和规范政府行为,才能促进新型农村金融组织服务“三农”和小微企业,实现普惠金融。
[Abstract]:In the process of financial marketization in China, the rural financial market has gradually developed from a single national bank to a multi-level financial market composed of traditional formal financial organizations such as commercial banks, policy banks and new rural financial organizations. Among them, the new rural financial organizations play an important role in providing financial services for rural areas and making up the gap of formal finance with their unique advantages in rural financial markets. As a new type of financial institution serving the "three rural areas" and small and micro enterprises, the pilot and development of the new rural financial organization has injected fresh blood into the rural financial market and stimulated the benign competition of all kinds of financial institutions in the rural financial market. However, in the current policy environment, some new rural financial organizations have deviated from the "three rural" and small and micro enterprise service goals, even difficult to achieve financial performance, and continue to develop healthily. In this context, by reviewing the course of rural financial reform and combing the government behavior in the development of new rural financial organizations, the paper summarizes the necessity of government intervention in the market and the problems caused by excessive intervention. It can be found that if the government behavior can not be coordinated with the market, it will hinder the harmonious development of the financial performance and social performance of the new rural financial organizations. On this basis, through the investigation and analysis of the government behavior and the development of micro-credit companies in Lianyuan City, the author thinks that the government must reasonably locate and regulate the government behavior. In order to promote the new rural financial organizations to serve the "three rural" and small and micro enterprises, to achieve inclusive finance.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D630;F832.35

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