我国农村金融创新问题研究
发布时间：2018-09-17 12:09
【摘要】：改革开放30多年来,我国农村逐渐形成了以正轨金融为主导、非正规金融为补充农村金融体系,从最初的全国几个省份试点,发展日趋完善,形成了一定规模,作为我国农村经济发展中最为重要的资本要素配置制度,与农村经济发展相配套,在农村经济发展中的作用越来越明显。但是目前我国农村金融服务仍然存在整体水平不高,城乡差距加大、农民收入增长速度慢等问题。鉴于我国现有的农村金融体系存在许多缺陷和固有问题,党的十六届五中全会上将促进农村金融发展提到了相当高的重视程度,提出深化我国农村金融改革、加大农村金融创新是农村经济提速的必要前提,国家开始有步骤的逐步加大支持农村金融的健康发展的力度。本文从我国农村金融的发展和现状出发,分析了目前我国农村金融体系存在的诸多缺陷和问题,指出了这些问题存在的原因,提出了农村金融创新的选择与分析,希望通过国家、地方、个业、农民自身各方面的政策执行和调整,农村金融体系一定会逐步完善与健全,将会为我国农村经济乃至整个国家的国民经济的发展起到积极的推动作用。 本文从提升金融服务质量和效率以及满足农村经济社会发展和农民多元化金融服务需求为指导思想,以解决实际问题为目的,从国内外对农村金融创新工作的研究、农村金融的现状、存在问题的分析入手,不盲从任何一种观点,通过深入细致调查研究,通过典型事例、提出并阐述农村金融创新的势在必行,并就个人研究结果结合国家现行惠农政策提出本文的观点：紧紧抓住创新农村金融产品和服务方式这个突破口,通过金融系统积极不懈的共同努力,在全国努力创新和普及、推广一些真正契合农村与农民实际需求特点的金融产品和服务方式,大力创新和完善涉农金融服务新机制,与时俱进地满足农村多元化金融服务需求。通过对该论题的研究和分析,能国农村金融改革创新能与与其他领域的革新措施协调配合,积极稳妥地推进提供一些建议,农村和农民得到更多、更实惠、更便捷的金融服务,让更多的农村中低收入人群享受到现代化金融服务,在更大范围和更高层次上全面提升农村金融综合服务水平。
[Abstract]:Over the past 30 years of reform and opening up, China's rural areas have gradually formed a rural financial system dominated by the right track finance, and informal finance as a supplement to the rural financial system. From the initial pilot projects in several provinces throughout the country, the development has become more and more perfect and has formed a certain scale. As the most important allocation system of capital elements in the development of rural economy in our country, it is more and more obvious to match the development of rural economy and play a more and more important role in the development of rural economy. However, there are still some problems in rural financial services, such as low overall level, widening gap between urban and rural areas, slow growth rate of farmers' income and so on. In view of the existence of many defects and inherent problems in the existing rural financial system of our country, the fifth plenary session of the 16th CPC Central Committee raised the importance of promoting the development of rural finance, and proposed to deepen the reform of rural finance in China. Increasing the innovation of rural finance is the necessary premise of increasing the speed of rural economy, and the state has begun to step by step increase the strength of supporting the healthy development of rural finance. Starting from the development and present situation of rural finance in China, this paper analyzes many defects and problems existing in our country's rural financial system, points out the reasons for these problems, and puts forward the choice and analysis of rural financial innovation. It is hoped that through the implementation and adjustment of the policies of the state, the local authorities, the individual industries and the peasants themselves, the rural financial system will surely be gradually improved and perfected. It will play a positive role in promoting the development of our country's rural economy and the whole country's national economy. This paper aims at improving the quality and efficiency of financial services and meeting the needs of rural economic and social development and farmers' diversified financial services, and studies the innovation of rural finance at home and abroad for the purpose of solving practical problems. The present situation of rural finance, the analysis of existing problems, not blindly from any point of view, through in-depth and meticulous investigation and research, through typical examples, put forward and explain the necessity of rural financial innovation. And put forward the point of view of this article on the combination of individual research results and the current favorable agricultural policy of the country: firmly grasp the breakthrough of innovating rural financial products and services, through the active and unremitting joint efforts of the financial system, make great efforts to innovate and popularize in the whole country. We should popularize some financial products and service modes that really meet the characteristics of rural and farmers' actual needs, vigorously innovate and improve the new mechanism of agriculture-related financial services, and meet the needs of diversified financial services in rural areas with the times. Through the research and analysis of this topic, the rural financial reform and innovation can coordinate with the innovation measures in other fields, actively and steadily advance to provide some suggestions, rural and farmers get more, more affordable, more convenient financial services, Let more middle and low income rural people enjoy modern financial services and comprehensively improve the level of comprehensive rural financial services on a larger scale and at a higher level.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
本文编号：2245875
[Abstract]:Over the past 30 years of reform and opening up, China's rural areas have gradually formed a rural financial system dominated by the right track finance, and informal finance as a supplement to the rural financial system. From the initial pilot projects in several provinces throughout the country, the development has become more and more perfect and has formed a certain scale. As the most important allocation system of capital elements in the development of rural economy in our country, it is more and more obvious to match the development of rural economy and play a more and more important role in the development of rural economy. However, there are still some problems in rural financial services, such as low overall level, widening gap between urban and rural areas, slow growth rate of farmers' income and so on. In view of the existence of many defects and inherent problems in the existing rural financial system of our country, the fifth plenary session of the 16th CPC Central Committee raised the importance of promoting the development of rural finance, and proposed to deepen the reform of rural finance in China. Increasing the innovation of rural finance is the necessary premise of increasing the speed of rural economy, and the state has begun to step by step increase the strength of supporting the healthy development of rural finance. Starting from the development and present situation of rural finance in China, this paper analyzes many defects and problems existing in our country's rural financial system, points out the reasons for these problems, and puts forward the choice and analysis of rural financial innovation. It is hoped that through the implementation and adjustment of the policies of the state, the local authorities, the individual industries and the peasants themselves, the rural financial system will surely be gradually improved and perfected. It will play a positive role in promoting the development of our country's rural economy and the whole country's national economy. This paper aims at improving the quality and efficiency of financial services and meeting the needs of rural economic and social development and farmers' diversified financial services, and studies the innovation of rural finance at home and abroad for the purpose of solving practical problems. The present situation of rural finance, the analysis of existing problems, not blindly from any point of view, through in-depth and meticulous investigation and research, through typical examples, put forward and explain the necessity of rural financial innovation. And put forward the point of view of this article on the combination of individual research results and the current favorable agricultural policy of the country: firmly grasp the breakthrough of innovating rural financial products and services, through the active and unremitting joint efforts of the financial system, make great efforts to innovate and popularize in the whole country. We should popularize some financial products and service modes that really meet the characteristics of rural and farmers' actual needs, vigorously innovate and improve the new mechanism of agriculture-related financial services, and meet the needs of diversified financial services in rural areas with the times. Through the research and analysis of this topic, the rural financial reform and innovation can coordinate with the innovation measures in other fields, actively and steadily advance to provide some suggestions, rural and farmers get more, more affordable, more convenient financial services, Let more middle and low income rural people enjoy modern financial services and comprehensively improve the level of comprehensive rural financial services on a larger scale and at a higher level.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
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