云南省农村微型金融制度设计与发展模式研究

发布时间：2018-02-20 20:21

本文关键词： 云南省农村微型金融制度设计发展模式　出处：《云南师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村微型金融作为一种基于传统金融体系发展起来的新型金融方式，核心是微型信贷，主要是为农村地区中小企业和农民个体提供资金支持。农村微型金融是减少农村居民贫困的重要手段，它有着传统金融手段无法比拟的优势。随着云南省社会主义新农村建设和新型城镇化发展的不断推进，农业产业化和农业现代化的发展对资金的需求量日益加大，农村微型金融的发展恰好能够为云南省农村地区经济的发展提供坚强的资金保障，能够有效地为农村中小企业保驾护航，极大地提高农村地区金融服务质量，促进云南省农村经济社会更好更快发展。本文运用文献综述法、比较分析法、例证法、归纳分析法和经验总结法等多种方法，对国内外微型金融的现状及发展成果进行系统的阐述分析，全面剖析了云南省农村微型金融发展现状、存在的问题及面临的机遇和挑战，，针对实际情况提出了云南省农村微型金融制度设计和发展的对策建议：（1）建立健全农村微型金融发展的相关法律法规；（2）完善农村微型金融监管体系；（3）积极发展多元化的农村微型金融组织；（4）完善农村微型金融的资金融入机制；（5）构建完善的政府扶持体系；（6）构建多层次的微型金融发展模式；（7）完善农村微型金融运作模式；（8）优化农村微型金融发展环境。
[Abstract]:Rural Micro Finance as a new way of financial development based on the traditional financial system, is the core of micro credit, mainly for SMEs in rural areas and individual farmers to provide financial support. Rural Micro Finance is an important means of reducing poverty among rural residents, it has incomparable advantage of traditional financial instruments. With the development of new construction the new socialist countryside in Yunnan province and the town continues to promote the industrialization of agriculture and agricultural modernization development of the demand for capital is increasing, the development of rural micro finance can provide a strong financial support for economic development in rural areas of Yunnan Province, can effectively escort for the rural small and medium-sized enterprises, greatly improve the quality of financial services in rural areas, to promote better and faster development of rural economy and society in Yunnan province.
This paper uses the method of literature review, comparative analysis, exemplification and induction analysis method and experience summary, the status quo and development achievements of domestic and international micro finance elaborate analysis system, a comprehensive analysis of Yunnan Province Rural micro finance development status, existing problems and opportunities and challenges, according to the actual situation put forward the countermeasure and suggestion of Rural Micro Finance System in Yunnan province design and development: (1) the establishment of relevant laws and regulations and improve the development of Rural Micro Finance; (2) improve the micro financial supervision system in rural areas; (3) the positive development of rural micro finance organizations diversification; (4) improve the rural micro finance financing mechanism; (5) construction of the support system of perfect government; (6) building a multi-level mode of micro finance development; (7) improve the mode of rural micro financial operation; (8) the optimization of micro environment of rural financial development.

【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7

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