朝阳市农村金融生态环境现状及优化对策研究

发布时间：2018-02-27 03:09

本文关键词： 农村金融生态环境普惠金融新公共服务　出处：《沈阳师范大学》2016年硕士论文　论文类型：学位论文

【摘要】：农村金融是现代农村经济发展的基础和关键,是促进农民增收和农村经济发展的重要因素,农村金融生态环境的好坏直接影响着农村金融业发展的质量。当前,农村金融生态环境面临农村宏观经济的形势严峻,农村金融缺口严重,行政力量对农村金融活动干预失当,且农村金融的市场化程度低,社会信用意识淡薄,征信体系的发展相对缓慢。因此,如若希望农村金融的生态环境获得改善,首当其冲的任务就是要从根本上对政府行为进行改造,将地方治理和农村的金融活动进行关联,使两者之间拥有良性的互动,这样才能够为农村的金融建设构建和谐的制度氛围,系统全面地对信用体系进行优化和改良,以此规范农村金融的信用秩序。在本论文中,通过对研究对象朝阳市的农村金融生态环境的调研和探究,深入实践查找存在于朝阳市农村金融生态环境发展中存在的问题,并采用案例分析法提出了切实可行的对策建议。具体来说,本文首先对农村金融生态环境相关理论基础进行阐释,在现有研究的基础上阐述了农村金融、金融生态环境以及普惠金融的内容,在理论基础部分引入了公共服务理论、市场失灵理论、金融监管理论;接着对本人所在城市朝阳市的农村金融生态环境的实际现状进行描述,发现当地金融生态环境的弊端和不足,分别从金融网点设置、担保体系、征信系统以及行政干预等方面对问题进行阐明;为了使本文更具实际意义,文章中充分考察了国内外农村金融生态环境的发展经验,分别对国外的普惠金融、机构合作、国家支持与国内的互联网金融、征信体系以及担保物所有权的市场化等方面进行了全方位系统化的介绍,希望可以为朝阳市农村金融生态环境的优化带来先进的经验和相关可借鉴模式;最后根据前面总结的问题,提出优化朝阳市农村金融生态环境的对策建议。
[Abstract]:Rural finance is the foundation and key of the development of modern rural economy. It is an important factor to promote the increase of farmers' income and the development of rural economy. The quality of the development of rural financial industry is directly affected by the quality of rural financial ecological environment. The rural financial ecological environment is facing the severe situation of the rural macro-economy, the rural financial gap is serious, the administrative power interferes with the rural financial activities improperly, and the marketization degree of the rural finance is low, and the social credit consciousness is weak. The development of credit system is relatively slow. Therefore, if we want to improve the ecological environment of rural finance, the first task to bear the brunt is to fundamentally reform government behavior and link local governance with rural financial activities. In order to establish a harmonious institutional atmosphere for the rural financial construction, to optimize and improve the credit system systematically and comprehensively, to standardize the credit order of rural finance. Through the investigation and research on the rural financial ecological environment of Chaoyang City, the problems existing in the development of the rural financial ecological environment in Chaoyang City are found out in practice. And put forward practical countermeasures and suggestions by case analysis. Specifically, this paper first explains the theoretical basis of rural financial ecological environment, on the basis of the existing research on rural finance, Financial ecological environment and the content of inclusive finance, in the theoretical basis of the introduction of public service theory, market failure theory, financial supervision theory; Then it describes the actual situation of the rural financial ecological environment in Chaoyang city, and finds out the drawbacks and shortcomings of the local financial ecological environment, respectively from the financial network setting up, the guarantee system, In order to make this article more practical significance, the article has fully examined the development experience of the rural financial ecological environment at home and abroad, respectively to the overseas inclusive finance, the institution cooperation, and so on the credit system as well as the administrative intervention carries on the elaboration to the question, in order to make this article more practical significance, State support and domestic Internet finance, credit system and the marketization of collateral ownership have been introduced in an all-round and systematic way. The author hopes to bring advanced experience and relevant models for the optimization of rural financial ecological environment in Chaoyang city. Finally, according to the problems summarized above, the countermeasures and suggestions for optimizing rural financial ecological environment in Chaoyang City are put forward.
【学位授予单位】：沈阳师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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