农业银行涉农业务政策支持研究
发布时间：2018-12-17 00:31
【摘要】：农村金融是个世界性难题。为了促进农村金融发展,世界各国均对金融机构的涉农业务给予了大力支持,这些支持既包括政府对银行的补贴和税收优惠等直接支持,也包括政府对改善农村金融整体经营环境所作出的巨大努力。农业银行作为传统支农型银行,多年来在服务“三农”方面,进行了一些有益的探索,取得了一些明显的成效。但在实践过程中,也面临一些突出的问题,主要表现在服务“三农”与商业运作之间的矛盾。为更好地发挥其在农村金融体系的主渠道和骨干作用,有必要学习和借鉴国外政府涉农金融服务支持政策,增强农业银行支农实力,调动其服务“三农”积极性,增加涉农信贷投放,改善涉农金融服务,推动农村金融发展,促进农村经济繁荣。本文重点围绕农业银行涉农业务政策支持进行研究,共分为六章。第一章为绪论,主要介绍研究背景及意义、研究内容及方法、国内外研究现状、创新及不足。第二章为农村金融政策支持理论及发展,重点介绍了农村信贷补贴论、农村金融市场论、不完全竞争市场论等三种主要的农村金融政策支持理论,其中不完全竞争市场论为政府介入农村金融市场奠定了理论基础。第三章为农村金融服务政策支持的必要性分析及政府责任,主要从农村金融的性质、农村金融的特征、农村金融的现状等三个角度来阐述对农村金融实行政策性支持的必要性,指出由于农村金融市场严重失灵,农村金融具有弱质性,以及农村金融具有特殊性,因此政府必须予以介入。并通过向涉农金融机构提供政策性支持,来解决“三农”业务的政策性、公益性与商业银行的天然逐利性之间的矛盾。第四章重点以农业银行为例,通过研究其在服务“三农”方面的实践探索以及存在的问题、遇到的困难,探讨政府对涉农金融机构如何给予政策支持,来调动金融机构服务“三农”的积极性。第五章为农业银行涉农业务支持政策的对策建议,介绍了国外政府对涉农金融业务采取的支持措施,并结合我国实际,重点从财税政策、货币政策、监管政策、风险分担机制、农村金融生态环境建设等方面,对农业银行涉农业务政策支持提出对策建议。第六章为总结部分,对论文的主要观点进行了总结,指出当农业银行涉农业务的自身运行机制逐步完善后,即使脱离政策性支持也可实现可持续发展时,政府的政策性支持可逐步取消和退出。
[Abstract]:Rural finance is a worldwide problem. In order to promote the development of rural finance, countries all over the world have given strong support to the agribusiness of financial institutions, including direct government support for banks and tax concessions. It also includes the government's great efforts to improve the overall operating environment of rural finance. As a traditional agricultural bank, Agricultural Bank has made some beneficial exploration in serving agriculture, rural areas and farmers for many years, and has achieved some obvious results. However, in the process of practice, it also faces some outstanding problems, mainly manifested in the contradiction between service, agriculture, rural areas and commercial operation. In order to give full play to its main channel and backbone role in the rural financial system, it is necessary to study and draw lessons from the foreign government's supporting policies on agriculture-related financial services, strengthen the agricultural bank's strength in supporting agriculture, and mobilize its enthusiasm in serving agriculture, rural areas and farmers. Increase agricultural credit, improve agricultural financial services, promote rural financial development, and promote rural economic prosperity. This paper focuses on agricultural bank policy support related to agriculture, a total of six chapters. The first chapter is the introduction, mainly introduces the research background and significance, the research content and the method, the domestic and foreign research present situation, the innovation and the insufficiency. The second chapter is the theory and development of rural financial policy support, focusing on the introduction of rural credit subsidy theory, rural financial market theory, incomplete competition market theory, three main rural financial policy support theory. The incomplete competitive market theory lays a theoretical foundation for government intervention in rural financial markets. The third chapter is the necessity analysis and government responsibility of rural financial service policy support, mainly from the nature of rural finance, the characteristics of rural finance, the current situation of rural finance to explain the necessity of carrying out policy support to rural finance. It is pointed out that due to the serious failure of rural financial market, the weak nature of rural finance and the particularity of rural finance, the government must intervene. By providing policy support to agricultural financial institutions, the contradiction between the policy, public welfare and the nature of commercial banks is solved. The fourth chapter focuses on the agricultural bank as an example, through the study of its service in the "agriculture, rural areas" and existing problems, the difficulties encountered, explore how the government to give policy support to agricultural financial institutions. To mobilize the financial institutions to serve the "three rural" enthusiasm. The fifth chapter is the countermeasures and suggestions of the agricultural bank's agricultural business support policy, introduces the support measures taken by foreign governments to the agricultural and financial business, and focuses on the fiscal and taxation policy, monetary policy, supervision policy, risk sharing mechanism, combined with the reality of our country, the financial and taxation policy, the monetary policy, the supervision policy and the risk sharing mechanism In the aspect of rural financial and ecological environment construction, the paper puts forward some countermeasures and suggestions on the agricultural policy support of Agricultural Bank. The sixth chapter summarizes the main points of the paper, and points out that when the agricultural bank's own operation mechanism is gradually improved, it can realize sustainable development even if it is divorced from the policy support Government policy support can be phased out and withdrawn.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
本文编号：2383318
[Abstract]:Rural finance is a worldwide problem. In order to promote the development of rural finance, countries all over the world have given strong support to the agribusiness of financial institutions, including direct government support for banks and tax concessions. It also includes the government's great efforts to improve the overall operating environment of rural finance. As a traditional agricultural bank, Agricultural Bank has made some beneficial exploration in serving agriculture, rural areas and farmers for many years, and has achieved some obvious results. However, in the process of practice, it also faces some outstanding problems, mainly manifested in the contradiction between service, agriculture, rural areas and commercial operation. In order to give full play to its main channel and backbone role in the rural financial system, it is necessary to study and draw lessons from the foreign government's supporting policies on agriculture-related financial services, strengthen the agricultural bank's strength in supporting agriculture, and mobilize its enthusiasm in serving agriculture, rural areas and farmers. Increase agricultural credit, improve agricultural financial services, promote rural financial development, and promote rural economic prosperity. This paper focuses on agricultural bank policy support related to agriculture, a total of six chapters. The first chapter is the introduction, mainly introduces the research background and significance, the research content and the method, the domestic and foreign research present situation, the innovation and the insufficiency. The second chapter is the theory and development of rural financial policy support, focusing on the introduction of rural credit subsidy theory, rural financial market theory, incomplete competition market theory, three main rural financial policy support theory. The incomplete competitive market theory lays a theoretical foundation for government intervention in rural financial markets. The third chapter is the necessity analysis and government responsibility of rural financial service policy support, mainly from the nature of rural finance, the characteristics of rural finance, the current situation of rural finance to explain the necessity of carrying out policy support to rural finance. It is pointed out that due to the serious failure of rural financial market, the weak nature of rural finance and the particularity of rural finance, the government must intervene. By providing policy support to agricultural financial institutions, the contradiction between the policy, public welfare and the nature of commercial banks is solved. The fourth chapter focuses on the agricultural bank as an example, through the study of its service in the "agriculture, rural areas" and existing problems, the difficulties encountered, explore how the government to give policy support to agricultural financial institutions. To mobilize the financial institutions to serve the "three rural" enthusiasm. The fifth chapter is the countermeasures and suggestions of the agricultural bank's agricultural business support policy, introduces the support measures taken by foreign governments to the agricultural and financial business, and focuses on the fiscal and taxation policy, monetary policy, supervision policy, risk sharing mechanism, combined with the reality of our country, the financial and taxation policy, the monetary policy, the supervision policy and the risk sharing mechanism In the aspect of rural financial and ecological environment construction, the paper puts forward some countermeasures and suggestions on the agricultural policy support of Agricultural Bank. The sixth chapter summarizes the main points of the paper, and points out that when the agricultural bank's own operation mechanism is gradually improved, it can realize sustainable development even if it is divorced from the policy support Government policy support can be phased out and withdrawn.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
【参考文献】
相关重要报纸文章 前1条
1 记者 韩雪萌;[N];金融时报;2009年
，本文编号：2383318
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