太原市农村金融市场问题分析及对策研究

发布时间：2018-04-05 17:17

本文选题：农村金融市场　切入点：正规金融　出处：《山西财经大学》2013年硕士论文

【摘要】：近年来,随着我国农村经济的迅猛发展,农村金融市场越来越不适应经济发展的各项要求,农村金融市场资源流失严重、供需矛盾突出、市场竞争不充分、低效率等难题严重制约着农村经济发展。而我国对农村金融市场建立问题越来越重视,党的十七大明确提出:“统筹城乡发展,推进社会主义新农村建设”,并提出应健全农村市场和农业服务体系,推进农村金融体制改革和创新；党的十七届三中全会由对建立现代金融制度，构建新型农村金融体系做出了战略部署；党的十八大报告又提出解决好农业农村农民问题是全党工作重中之重，城乡发展一体化是解决“三农”问题的根本途径，周小川同志在解读十八大报告时进一步提出要构建多层次、广覆盖、可持续的农村金融服务体系。顺应农村金融需求演变趋势,推进农村金融体制改革,改善农村金融服务,创新适应农村需求的金融体系,已成为当前解决“三农”问题的迫切需要。随着我国金融市场化进程的加快，农村金融市场发生了巨大的变化，，逐步由单一的国家银行系统，发展成政策性银行、商业性银行、农村信用社等正规金融和民间集资、合会、地下钱庄等非正规金融组成的农村金融市场。然而，农村金融市场发展仍相对滞后，本文从太原市农村金融市场发展的供需现状及存在的问题入手,以定性分析和定量研究相结合为原则,对太原市农村金融市场的现状进行了调查研究,目的是揭示当前太原市农村金融市场存在的问题和原因并提出相应的对策,为太原市地区农村金融市场的改革、新农村建设以及加快形成城乡经济社会发展一体化新格局提供一定参考价值的建议。本研究主要采用问卷调查、实证检验与理论分析相结合的方法通过对太原市农村金融市场需求和农村金融供给现状调查,得出太原市农村金融市场主要存在的问题：一、农村金融市场商业化运作的内在矛盾突出。太原市农村经济发展信贷市场需求面广,资金需求量大,金融机构在很大程度上满足不了当地农村经济的快速发展所需要的资金需求；二、农村金融市场缺乏有效的资金回流机制；三、农村金融市场生态环境恶化；四、金融当局忽视了对非正规金融的引导、监督；五、农村金融市场缺乏有效的竞争机制。针对太原市农村金融市场存在的问题提出以下相应的对策：一、加快农村金融市场体制改革，完善农村金融市场组织体系；二、积极推进农村金融创新，建立健全农村金融市场的服务体系；三、发展新农村保险市场，健全农业保险制度；四、强化政府的功能定位，尊重农村金融市场独立性。
[Abstract]:In recent years, with the rapid development of rural economy in our country, the rural financial market is becoming more and more unsuitable for the requirements of economic development. The rural financial market is losing resources seriously, the contradiction between supply and demand is prominent, and the market competition is not sufficient.Low efficiency and other difficult problems seriously restrict the development of rural economy.However, China attaches more and more importance to the establishment of the rural financial market. The 17th National Congress of the CPC has clearly put forward the following words: "coordinate urban and rural development, promote the construction of a new socialist countryside", and put forward that the rural market and agricultural service system should be improved.The third Plenary session of the 17th CPC Central Committee made a strategic plan for the establishment of a modern financial system and the construction of a new rural financial system.In the report of the 18th National Congress of the CPC, it was also pointed out that it is the top priority of the whole party to solve the problem of farmers in agriculture and rural areas, and the integration of urban and rural development is the fundamental way to solve the problem of "three rural areas".In interpreting the report of the 18th CPC National Congress, Comrade Zhou Xiaochuan further proposed to build a multi-level, broad and sustainable rural financial service system.To adapt to the trend of rural financial demand, to promote the reform of rural financial system, to improve rural financial services, and to innovate the financial system to meet the needs of rural areas has become an urgent need to solve the problems of "agriculture, rural areas and farmers".With the acceleration of the process of financial marketization in our country, great changes have taken place in the rural financial market. The rural financial market has gradually changed from a single national banking system to a formal financial and non-governmental fund raising, such as policy banks, commercial banks, rural credit cooperatives, etc.Underground banks and other informal financial composition of rural financial markets.However, the development of rural financial market is still lagging behind. This paper starts with the present situation of supply and demand of rural financial market in Taiyuan and the existing problems, taking the combination of qualitative analysis and quantitative research as the principle.The present situation of the rural financial market in Taiyuan is investigated and studied in order to reveal the existing problems and causes of the rural financial market in Taiyuan and put forward the corresponding countermeasures for the reform of the rural financial market in Taiyuan.New rural construction and accelerating the formation of urban and rural economic and social development of a new pattern to provide some reference value.This research mainly uses the questionnaire, the empirical test and the theory analysis method through the Taiyuan rural financial market demand and the rural financial supply present situation investigation, obtains Taiyuan the rural financial market main existence question.First, the internal contradiction of commercial operation of rural financial market is prominent.Taiyuan rural economic development credit market demand is wide, capital demand is large, financial institutions to a large extent can not meet the needs of the rapid development of the local rural economy.Second, the rural financial market lacks an effective mechanism of capital return;Third, the ecological environment of rural financial market is deteriorating;Fourthly, the financial authorities ignore the guidance and supervision of informal finance;Fifth, the rural financial market lacks effective competition mechanism.In view of the problems existing in the rural financial market of Taiyuan, the following corresponding countermeasures are put forward:First, accelerate the reform of rural financial market system and perfect the organization system of rural financial market;Second, actively promote rural financial innovation, establish and improve the rural financial market service system;Third, develop the new rural insurance market and improve the agricultural insurance system;Fourth, strengthen the function of the government and respect the independence of the rural financial market.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.5;F320

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