我国村镇银行支农制度研究

发布时间：2018-01-01 08:36

本文关键词：我国村镇银行支农制度研究　出处：《南京农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：村镇银行是我国农村金融改革的创新成果,对于打破农村地区金融垄断具有重要意义,它的出现为农村金融市场注入新的血液,提高了农村金融机构网点的覆盖率,增加了农村地区的金融供给,在农村地区形成新的金融竞争格局。银监会要求村镇银行主要为当地农民、农业和农村经济发展提供金融服务,因此它在产生之初就承担了支持农村经济发展的政策责任,银监会为了保障村镇银行设立目的和宗旨的实现,制定了一系列的制度措施对村镇银行的支农性进行保证,虽然村镇银行在一定程度上满足了支持农村经济发展的政策要求,但是,考察我国村镇银行支农现状可以发现,村镇银行在经营区域选择上,更倾向经济较发达地区,村镇银行不“村镇”；其注册资本偏高,规避“小额”的贷款原则；资本的逐利本性及村镇银行商业性价值取向使其偏离支农初衷,追求高利润。究其原因,主要是因为有关村镇银行支农要求的立法效力层级不高,多体现为倡导性规范,缺乏实际可操作性；村镇银行支农制度设计不完善,配套制度缺失；农村金融市场的固有缺陷影响村镇银行支农制度有效发挥作用。所以,村镇银行在现有的不完善的制度框架下很难有效发挥支农作用。因此,要保障村镇银行支农作用的发挥,就要构建和完善村镇银行支农制度。美国和孟加拉的农村金融体系是金融支农成功的典范,可以借鉴两国的成功经验：重视政府支持,强调金融机构的导向性作用,明确市场定位,在保障盈利的同时满足农村资金需求。最后,在构建和完善我国村镇银行支农制度时要坚持商业性与支农性平衡原则以及差别对待原则,从村镇银行设立、运行、监管的各个层面构建完整的村镇银行支农制度。此外,在实现路径方面,还要提高立法层级,完善相关立法,真正做到有法可依；发挥政府作用,完善财政、税收等相关制度措施；改善农村金融环境。
[Abstract]:Village bank is China's rural financial reform and innovation, is of great significance to break the financial monopoly in rural areas, it has injected new blood to the rural financial market, rural financial institutions to improve network coverage, increase financial supply in rural areas, the formation of a new financial competition in the rural areas. The CBRC the main requirements of rural banks to provide financial services for local farmers, agriculture and rural economic development, so it is at the beginning, undertake to support rural economic development policy responsibility, implementation of the CBRC in order to protect the rural bank set up aim and purpose, formulated a series of measures to ensure the system of support for rural banks. Although rural banks to meet the requirements to support rural economic development policies, to a certain extent, however, investigate the status quo of China's agriculture rural banks can be found, and silver For operating in the area of choice, more economically developed areas, rural banks are not the "village"; its registered capital is high, to avoid the "small loan principle"; by the nature and value orientation of rural commercial banks capital to deviate from the original intention of agriculture, the pursuit of high profits. The reason is mainly because of the effect of requirement village bank agriculture legislative level is not high, reflected in many advocacy norms, lack of practical operability of agriculture; rural bank system design is not perfect, lack of supporting system; supporting system inherent defects affecting the village banks in rural financial markets play a role effectively. Therefore, rural banks in the imperfect existing system framework it is difficult to effectively play the role of agriculture. Therefore, to protect the rural banks play the role of agriculture, to construct and perfect the supporting system of village banks. The United States and Bangladesh Rural Finance The system is a model of successful financial support, can learn from the successful experience of the two countries: the importance of government support, emphasizing the guiding role of financial institutions, clear market positioning, in the protection of profit at the same time to meet the needs of rural fund. Finally, in the construction and improvement of China's banking system is necessary to support agricultural business and support for the principle of balance and the principle of differential treatment, from the village banks set up, operation, supervision of all aspects of constructing a complete system for rural banks. In addition, in the realization of the path, but also to improve the legislative level, perfect legislation, law truly; play the role of government, improve the fiscal and tax system and other relevant measures; improve the rural financial environment.

【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

【相似文献】