以需求为导向的农村金融产品创新研究

发布时间：2018-04-04 18:42

本文选题：金融创新　切入点：金融产品创新　出处：《湘潭大学》2014年硕士论文

【摘要】：当前，我国经济发展极不均衡，城乡差距显著。农村经济发展、农业现代化和农民生活水平的提高都离不开农村金融的支持。中央2004—2013连续10年的“一号文件”和其他重要文件中均强调我国当前和今后一段时期内的主要任务之一是进行农村金融改革，改革的重点在于不断创新金融产品和服务方式以逐步满足农村多元化、多层次的金融需求。尽管国家出台的相关支农政策一定程度地改善了多年来我国农民收入较低的局面，但城乡二元经济结构的矛盾依然很突出，农村落后面貌未从根本上得到改变。，因此，为了统筹城乡发展、提高农村整体经济水平，以需求为导向，对金融支持“三农”的重要着力点——农村金融产品创新进行研究，具有重要的现实意义。首先，本文阐述了农村金融产品创新的内涵及特征，并介绍了金融创新和金融产品创新的相关理论，在此基础上借鉴AndersonHarris（1986）构建的金融产品创新的成本——收益分析模型，从需求和创新激励的角度对我国农村金融产品创新的成本和收益问题进行深入的经济学分析，从而得出市场需求是影响金融机构进行金融产品创新的主要动力，为后文的研究提奠定了理论基础。然后，本文在前人研究成果的基础上，通过搜集央行各支行课题小组调研报告、中国农村金融统计年鉴、中国农村金融服务报告、国家统计局年鉴等官方数据资料以及自身实地调研所得资料，运用归纳演绎法对农村金融需求进行研究，从功能角度将需求分为借款需求、投资性需求、保障性需求和便利性金融服务需求四大类，并对每一类需求的特征进行分析，同时指出目前农村市场上存在的需求缺口。接着，，本文在需求分析的基础上具体对需求导向型农村金融产品创新的路径进行研究，从信贷产品、投资理财产品和便利性金融服务三个层面进行创新，着力设计与需求相对应的产品，以期创新成果能更好更快的被客户接受并推广。为使理论分析更加深入，整个研究过程中还结合了大量典型案例和数据分析进行补充与佐证。最后，本文从完善配套政策、发挥涉农金融机构创新主体作用以及建立良好的外部环境三个方面对以需求为导向的农村金融产品创新提出了相关对策建议。
[Abstract]:At present, China's economic development is extremely uneven, the gap between urban and rural areas is significant.Rural economic development, agricultural modernization and the improvement of farmers' living standards can not be separated from the support of rural finance.The "No. 1 document" and other important documents of the Central Committee of the people's Republic of China for the 10 consecutive years 2004-2013 all emphasize that the main Ren Wuzhi in China at present and for a period of time to come is to carry out rural financial reform.The emphasis of the reform lies in innovating financial products and services to meet the diversified and multi-level financial needs.Although the relevant policy of supporting agriculture issued by the state has improved to some extent the low income situation of farmers in China for many years, the contradiction between the dual economic structure of urban and rural areas is still prominent, and the backward face of rural areas has not been fundamentally changed.In order to coordinate the development of urban and rural areas and improve the overall economic level of rural areas, it is of great practical significance to study the innovation of rural financial products, which is an important focus of financial support for agriculture, rural areas and farmers.Firstly, this paper expounds the connotation and characteristics of rural financial product innovation, and introduces the related theories of financial innovation and financial product innovation. On this basis, the cost-benefit analysis model of financial product innovation is constructed by using Anderson Harris 1986 as a reference.From the angle of demand and innovation incentive, this paper makes an in-depth economic analysis on the cost and income of rural financial product innovation in China, and concludes that market demand is the main driving force influencing financial product innovation in financial institutions.It lays a theoretical foundation for the later research.Then, on the basis of the previous research results, this paper collects the research report of each branch of the central bank, the statistical yearbook of China's rural finance, the report of China's rural financial services.The official data, such as the yearbook of the National Bureau of Statistics, and the data obtained from its own field investigation, are used to study the rural financial needs by means of inductive deduction, and the demand is divided into loan demand and investment demand from a functional point of view.This paper analyzes the characteristics of each kind of demand and points out the demand gap in the rural market at the same time.Then, on the basis of demand analysis, this paper specifically studies the path of innovation of demand-oriented rural financial products, and innovates from three levels: credit products, investment financing products and convenient financial services.Focus on the design of products corresponding to the requirements, with a view to innovative results can be better and faster to be accepted and promoted by customers.In order to make the theoretical analysis more in-depth, a large number of typical cases and data analysis are combined in the whole research process to supplement and corroborate.Finally, this paper puts forward the relevant countermeasures and suggestions on demand-oriented rural financial product innovation from three aspects: perfecting the supporting policies, giving play to the main role of the agri-financial institutions' innovation and establishing a good external environment.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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