河北农村民间金融发展研究

发布时间：2018-09-02 07:11

【摘要】：我国是一个农业大国,在国家稳健的货币政策下,金融机构信贷规模趋紧,导致企业和农户资金紧缺,民间金融异常活跃,风险也日益扩大,同时民间金融又是发展农村经济发展的必要条件,因此对于民间金融的引导与规范迫在眉睫,因我国各地的地理环境差异性比较大,各地经济水平和市场化程度展不同,民间金融组织的发展水平及运行状况也各不相同。河北省从地理位置上划分是我国东部区域,处于京津冀经济区和环渤海经济区辐射地带。但是河北省的民间金融发展水平、运行机制相对于浙江苏闽等市场经济发达的地区仍有较大的差距。民间融资规模相对小,民营经济发展相对缓慢。因此,分析河北省民间金融有两个方面的意义：一是民间金融长期存活于地下状态,运作不规范,通过调研总结可以对河北省目前民间金融的存在状态有清晰的认识；二是目前河北省民间金融政策环境宽松,为农村民间金融发展提供新契机,本文分析了河北农村民间金融的发展现状和存在问题,从而找出解决路径,有效解决农村信贷市场中的供求失衡问题、提高资源配置效率、发展农村经济。本文主要采用了调查问卷分析、定量定性分析和对比分析的方法研究河北省的农村民间金融的发展现状及发展中所产生的问题,从而提供规范性发展河北农村民间金融的结论建议。首先,本文先研究了关于农村民间金融的理论基础,如金融深化和金融抑制理论,介绍了我国民间金融的概念、形式和发展历程,在此基础上展开,深入分析发展农村民间金融对发展农村经济具有一定的现实意义。其次,通过对河北省农村经济发展的现状和对民间借贷的调查问卷分析,定量分析我省农村金融的融资特征和环境。表明河北农村地区正规金融的供给不足,是民间金融快速发展的主要原因。再次,从河北农村民间金融的组织形式和发展特点两个方面,对其发展现状进行了描述,并从民间金融自身风险和外界环境几个方面分析了发展过程中所产生的问题。最后,对河北省民间金融的发展提供对策建议,建立河北省金融的多层体系,提高资源配置效率。
[Abstract]:China is a large agricultural country. Under the steady monetary policy of our country, the credit scale of financial institutions is becoming tighter and tighter, which leads to the shortage of funds for enterprises and farmers, the extraordinary activity of non-governmental finance, and the increasing risks. At the same time, non-governmental finance is the necessary condition for the development of rural economy. Therefore, the guidance and standardization of non-governmental finance is imminent. The geographical environment is quite different in different parts of the country, the economic level and market-oriented development are different in different parts of the country, and the level of development and operation of non-governmental financial organizations are also different. The scale of private financing is relatively small, and the development of private economy is relatively slow. Therefore, the analysis of private finance in Hebei Province has two meanings: first, the long-term survival of private finance in the underground state, the operation is not standardized, through research and summary. In order to have a clear understanding of the existing state of Non-governmental Finance in Hebei Province, and to provide a new opportunity for the development of rural non-governmental finance, this paper analyzes the current situation and existing problems of Non-governmental Finance in Hebei Province, so as to find a solution to effectively solve the supply of rural credit market. Seek imbalance, improve the efficiency of resource allocation, and develop rural economy.
This paper mainly uses questionnaire analysis, quantitative and qualitative analysis and comparative analysis to study the current situation and problems of Rural Non-governmental Finance in Hebei Province, so as to provide conclusions and suggestions for the standardized development of Rural Non-governmental Finance in Hebei Province.
First of all, this paper studies the theoretical basis of rural non-governmental finance, such as the theory of financial deepening and financial restraint, introduces the concept, form and development process of China's non-governmental finance, on this basis, in-depth analysis of the development of Rural Non-governmental Finance for the development of rural economy has a certain practical significance.
Secondly, through the analysis of the present situation of rural economic development in Hebei Province and the questionnaire of non-governmental lending, this paper quantitatively analyzes the financing characteristics and environment of rural finance in Hebei Province.
Thirdly, the paper describes the development status of Hebei Rural Non-governmental Finance from two aspects of its organizational form and development characteristics, and analyzes the problems arising in the development process from the aspects of its own risks and external environment.
Finally, the paper provides countermeasures and suggestions for the development of Non-governmental Finance in Hebei Province, establishes a multi-level financial system in Hebei Province, and improves the efficiency of resource allocation.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7

【参考文献】