基于新农村建设背景下的重庆农村金融发展路径研究

发布时间：2018-10-09 20:48

【摘要】：要想持续健康的发展农村经济仍然需要农村金融的鼎力支持。但是我国农村金融的现状已经不能有效支持农村经济的发展。在大力倡导建设社会主义新农村的今天，国务院对农村金融发展提出了科学合理地构建农村金融服务体系，增强服务功能；整合支农信贷资金来源，畅通支农资金投入渠道；更新经营理念，，创新适合农村发展需要的金融产品，提高信贷资金使用效率等要求。作为不够发达的重庆地区农村金融发展状况还远远不能达到这一要求。研究适合我市实际的农村金融发展路径，对我市农村金融发展有着重要的意义。本文运用发展经济学、制度经济学、西方经济学等学科的理论和研究方法，通过对农村金融发展理论的描述，重庆农村金融发展存在问题的揭示与分析，结合国外农村金融发展的经验，探讨了重庆农村金融发展的基本原则和路径，即：发展重庆农村金融应坚持的方向，还有确定其基本发展路径等。明确了我市农村金融改革的目标，分别从促进新型金融机构发展、结合正规和非正规部门优势、加强农村和低收入社区的金融文化建设、加快推进社会保险和商业保险、大力发展农村经济，促进农村中小型企业的发展、加快信用体系建设，优化信用环境。金融机构要明确分工，形成合力最终达到共赢。从而有效推动农村经济发展，促进农村金融的繁荣。
[Abstract]:In order to develop rural economy continuously and healthily, we still need the support of rural finance. However, the current situation of rural finance in China can not effectively support the development of rural economy. Today, the State Council has put forward to construct the rural financial service system scientifically and reasonably, to strengthen the service function, to integrate the fund source of supporting agriculture credit, to unblock the investment channel of supporting agriculture fund, and to promote the construction of new socialist countryside. Renew the management idea, innovate the financial products suitable for the rural development, and improve the efficiency of the use of credit funds. As an underdeveloped Chongqing rural financial development situation is far from reaching this requirement. It is of great significance to study the development path of rural finance suitable for our city. Based on the theories and research methods of development economics, institutional economics and western economics, this paper reveals and analyzes the problems existing in the development of rural finance in Chongqing through the description of the theory of rural financial development. Combined with the experience of the development of rural finance in foreign countries, this paper discusses the basic principles and paths of the development of rural finance in Chongqing, that is, the direction that should be adhered to in the development of rural finance in Chongqing, and the determination of its basic development path, etc. This paper clarifies the goal of rural financial reform in our city, from promoting the development of new financial institutions, combining the advantages of the formal and informal sectors, strengthening the construction of financial culture in rural and low-income communities, and speeding up the promotion of social insurance and commercial insurance. Vigorously develop the rural economy, promote the development of rural small and medium-sized enterprises, accelerate the construction of credit system, optimize the credit environment. Financial institutions should clear the division of labor, the formation of joint efforts to achieve a win-win ultimately. Thus effectively promote the rural economic development, promote the prosperity of rural finance.
【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7

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