丽水农村金融改革的风险防范问题研究

发布时间：2018-03-28 19:15

本文选题：农村金融改革　切入点：风险防范　出处：《浙江师范大学》2014年硕士论文

【摘要】：农村金融是现代农村经济的核心,要统筹城乡发展,缩小城乡差距,亟需发达的农村金融体系。目前,我国的农村金融制度安排存在一些弊端,农民申贷渠道狭窄,并且在农信社“一家独大”的情况下,农村金融外部竞争缺乏效率,这通常会使农村金融机构对农户的需求缺乏敏感性,从而带来金融供给和需求严重不对称,制约农村经济的快速发展。丽水农村金融改革在这样的大背景下应运而生。但金融创新改革措施的实施往往会带来潜在的风险,阻碍改革的开展,使改革的效果大打折扣,并影响改革在全国范围内的可复制性和推广性。因此,笔者选取我国十大典型地方金融改革之一——浙江省丽水市农村金融改革为题,对农村金融改革的风险展开研究,解析风险生成的内在因素,并探索风险防范和化解的途径,这具有较大的理论意义和实际价值。本文首先介绍了选题的背景与意义,从农村金融风险成因、农村金融风险防范与化解措施以及农村金融改革与风险控制的关系三个方面,对国内外相关研究进行了综述,接着介绍了本文的框架、内容,研究方法及可能的创新点等方面。本文的主要内容为丽水农村金融改革的风险分析和相关风险防范与化解措施,本章创新的对农村金融改革这一动态过程的潜在风险进行研究,并在此基础上,提出相关风险防范和化解措施。在此之前,本文对农村金融的相关理论和特征做了简单叙述。对丽水农村金融改革的风险分析方面,本文首先通过实地调查法,了解改革的现状,对丽水农村金融改革的概况进行了阐述。接着使用了理论分析——博弈论的方法对农村金融改革的相关利益主体进行了博弈分析,分析结果表明法律法规的不完善会导致农户和农村金融机构的合作失败。再运用定量的分析方法从林权抵押贷款相关法律缺失及变现难、农房抵押贷款估值难及变现难、银行卡助农取款服务机制落后、农村信用评估失真、新型农村金融组织监管缺失和财政激励失效等六个方面分析了农村金融改革的潜在风险及其形成原因。在前文潜在风险成因分析的基础上,提出了健全农村金融服务的法规体系、完善中介服务机制、加快农村金融机构的自身建设、提高外部监管能力、加强宣传力度,提高农民的风险意识和建立风险分散及补偿机制等六大策略。
[Abstract]:Rural finance is the core of modern rural economy. In order to coordinate the development of urban and rural areas and narrow the gap between urban and rural areas, there is an urgent need for a developed rural financial system. At present, there are some drawbacks in the arrangement of rural financial system in China, and the channels for farmers to apply for loans are narrow. Moreover, in the case of rural credit cooperatives, the external competition of rural finance is inefficient, which usually makes rural financial institutions lack sensitivity to the demand of farmers, thus leading to serious asymmetries in financial supply and demand. Restricting the rapid development of rural economy. Lishui rural financial reform came into being under such a background. However, the implementation of financial innovation reform measures will often bring potential risks, hinder the development of reform, and greatly reduce the effect of the reform. Therefore, the author chooses the rural financial reform of Lishui City, Zhejiang Province, as the topic, and studies the risks of rural financial reform in Lishui City, Zhejiang Province. It is of great theoretical significance and practical value to analyze the internal factors of risk generation and to explore the ways of risk prevention and solution. This paper first introduces the background and significance of the topic, from the causes of rural financial risks, rural financial risk prevention and resolution measures and the relationship between rural financial reform and risk control, summarizes the relevant research at home and abroad. Then this paper introduces the framework, content, research methods and possible innovations. The main content of this paper is the risk analysis of the rural financial reform in Lishui and related risk prevention and resolution measures. This chapter innovates the study of the potential risks in the dynamic process of rural financial reform, and on this basis, Before this, this paper briefly describes the relevant theories and characteristics of rural finance. In the aspect of risk analysis of rural financial reform in Lishui, this paper, first of all, through field investigation, to understand the current situation of the reform, The general situation of rural financial reform in Lishui is expounded. Then the game theory is used to analyze the relevant stakeholders of rural financial reform. The results show that the imperfect laws and regulations will lead to the failure of cooperation between farmers and rural financial institutions. The service mechanism of bank card for agricultural withdrawal is backward, and the rural credit evaluation is distorted. This paper analyzes the potential risks of rural financial reform and the reasons for their formation in six aspects, such as the lack of supervision and the failure of financial incentives in the new rural financial organizations. This paper puts forward to perfect the legal system of rural financial service, perfect the mechanism of intermediary service, speed up the self-construction of rural financial institutions, improve the external supervision ability, and strengthen propaganda. Raising farmers' risk awareness and establishing risk dispersion and compensation mechanism are six strategies.
【学位授予单位】：浙江师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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