老挝农村金融研究

发布时间：2018-09-19 19:49

【摘要】：老挝解放36年来，经济社会比解放前有了很大的改善，老挝人的生活水平一年比一年好，国际社会的地位不断提高。但发展中仍存在一些问题，例如贫困问题，这是老挝目前面临最大的问题。减少贫困和提高农村居民的收入需要采取一系列措施，包括政策安排（如扶贫计划纲要框架），农村金融支持、社会保险体系等措施。本文以老挝农村金融问题为主题进行研究，主要有以下内容：第一部分，农村金融理论回顾。本部对国内外学者的农村金融理论的研究所涉及到的农村金融供求关系，农村金融组织和农村金融监管制度等方面的理论进行回顾和评述。对农村金融市场上的正规金融和半正规金融及非金融并存，相互影响的现象的研究和取得的研究成果作出评述。本文在这些理论研究的基础上进一步对老挝农村金融进行研究和讨论，，并加以完善及创新。第二部分，老挝经济社会发展概况。老挝人民民主共和国成立于1975年，至今已有36年的历史岁月。在这36年里，老挝经济社会一直在国内外环境的变动中发展本国的经济。本部分主要讨论老挝的经济在各个时段的发展变迁，面临的问题等，同时介绍了老挝政府对贫困问题的解决方案和农村金融及微型金融机构对减少贫困发挥的作用。第三部分，老挝金融体系。这部分主要介绍老挝的银行金融体系。介绍老挝银行的发展来历和发展现状，以及银行体系中所涉及到的农村金融和微型金融业务的银行。另外还补充介绍了老挝非银行金融机构的保险公司，租赁公司和非金融部门发展现状等。第四部分，老挝农村经济与金融供求分析。主要介绍老挝农村家庭状况，家庭的收入来源和消费结构等。分析和讨论老挝农村地区的储蓄和贷款状况，以及影响农村地区的金融服务的需求。第五部分，老挝涉农金融机构及其农村金融业务。本部介绍农村金融的概念和特点，介绍老挝农村金融机构的形成和发展演变和运行机理，对老挝促进农业银行和政策银行的涉农金融机构做出评价。分析和讨论老挝微型金融机构发展来历和发展现状。介绍老挝非银行金融机构的成因及其影响，最后讨论老农村金融和微型金融机构风险管理，分析老挝农村金融和微型金融风险的成因，管理手段和方法。第六部分，国外农村金融发展的经验与借鉴。主要介绍国外的农村金融的发展现状和实践经验。包括部分西方发达国家和部分发展中国家以及部分拉丁和非洲国家的农村金融。通过了解这些国家农村金融的发展情况，用比较研究方法对老挝农村金融的发展现状进行比较，从中吸取经验，为老挝农村金融今后的发展提出参考建议。第七部分，老挝农村金融发展的路径选择。分析老挝农村金融发展前景并提出发展的途径选择。通过以上的分析和讨论，本部分析和论证了老挝农村金融发展所面临的机遇与挑战以及今后的发展前景，并论证了发展的路径选择。提出了如何完善农村金融体系，包括建立农村金融法、农业保险法等有关法律，加强人力资源管理和人才培养等思路。
[Abstract]:In the 36 years since the liberation of Laos, the economy and society have greatly improved. The living standard of Laos people is getting better and better year by year, and the status of the international community is rising. However, there are still some problems in the development, such as poverty, which is the biggest problem Laos is facing at present. The measures include policy arrangements (such as the framework of the poverty alleviation plan), rural financial support, social insurance system and so on.
The first part is the review of rural finance theory. This part reviews and comments on the theories of rural finance supply and demand, rural financial organization and rural financial supervision system which are involved in the research of rural finance theory by domestic and foreign scholars. Based on these theoretical studies, this paper further studies and discusses the rural finance in Laos, and improves and innovates it.
The second part is the general situation of Lao's economic and social development.The Lao People's Democratic Republic was founded in 1975 and has a history of 36 years.During the past 36 years, Lao's economy and society have been developing its own economy in the changing domestic and foreign environment.This part mainly discusses the development and changes of Lao's economy in various periods and the problems it faces. At the same time, the Lao government's solutions to poverty and the role of rural financial and micro-financial institutions in poverty reduction are introduced.
The third part is the financial system of Laos. This part mainly introduces the banking financial system of Laos. It introduces the development history and current situation of the banks in Laos, and the banks involved in rural finance and micro-finance business in the banking system. It also introduces the insurance companies, leasing companies and non-financial institutions of Laos. The development of the Department.
The fourth part is the analysis of the supply and demand of rural economy and finance in Laos. It mainly introduces the situation of rural households, the income sources and consumption structure of the households in Laos.
This part introduces the concept and characteristics of rural finance, introduces the formation, evolution and operation mechanism of rural financial institutions in Laos, and evaluates the agricultural financial institutions promoted by Laos Agricultural Bank and Policy Bank. This paper introduces the causes and effects of non-bank financial institutions in Laos, discusses the risk management of rural financial and micro-financial institutions in Laos, and analyzes the causes, management methods of rural financial and micro-financial risks in Laos.
The sixth part is the experience and reference of foreign rural finance development.It mainly introduces the current situation and practical experience of foreign rural finance development.It includes some western developed countries and some developing countries as well as some Latin and African countries.Through understanding the development of rural finance in these countries,it uses comparative research methods. This paper compares the development of rural finance in Laos and draws experience from it, and puts forward some suggestions for the future development of rural finance in Laos.
The seventh part, the path choice of Laos rural financial development, analyzes the prospect of Laos rural financial development and puts forward the path choice of development. Through the above analysis and discussion, this part analyzes and demonstrates the opportunities and challenges faced by Laos rural financial development and the future development prospects, and demonstrates the path choice of development. How to improve the rural financial system, including the establishment of rural financial law, agricultural insurance law and other relevant laws, strengthen human resources management and personnel training ideas.
【学位授予单位】：吉林大学
【学位级别】：博士
【学位授予年份】：2012
【分类号】：F833.34

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