普惠金融在麒麟区农村地区发展现状及模式研究

发布时间：2018-06-14 22:47

本文选题：普惠金融 + 农村金融体系　；参考：《云南师范大学》2014年硕士论文

【摘要】：近年来，随着我国经济的发展，金融行业也得到快速发展。针对金融行业，我国在“十二五”期间把国家金融体系的健全、金融服务的完善作为经济改革的重要内容。而由于我国的经济发展不平衡，东西之间、城乡之间都还存在明显的差异，金融行业在农村的发展就是一个比较薄弱的环节，我国要想建立完整的金融体系，，农村金融的改革与发展势在必行。此外，由于农村的经济普遍比较落后，发展农村金融就是发展农村的经济核心，势必会带动农村经济的发展，使得我国的社会主义市场经济体系得到进一步完善，对于目前我国的经济建设具有重要意义。而目前适应我国农村现状、农民需求和未来发展的金融体系就是农村普惠金融体系，它结合我国农村的特点而发展起来的。就我国农村金融现状为基础，本文首先阐述了普惠金融的相关基本理论，主要是介绍了普惠金融的内涵、发展历程、理论支撑以及对于我国农村发展普惠金融的目标和意义。本文以麒麟区农村作为研究的对象做具体研究说明，就该地区的经济发展状况以及普惠金融的影响作了调查分析，并总结出其在发展普惠金融中遇到的问题，主要包括普惠金融尚未满足农村的金融需求、发展的金融机构缺乏发展的可持续性、发展普惠金融的环境没有健全等等。并就这些问题作了深层探讨，导致这些问题发生的主要原因有：农村自身发展的滞后性、缺乏专业的人才技术、长期以来城乡二元金融结构的限制、在农村建立的金融机构还不够完善、在发展金融行业时当地政府的错误干预等。此外，本文还就国外成功的农村普惠金融发展模式做了分析并总结经验，结合麒麟区农村的发展现状，明确了该地区未来金融发展的目标，要坚持为广大农民从提供最近本的金融服务做起、在发展普惠金融过程中保持其有效健康和可持续性、对于政府的参与和管控合理应用以实现其应该发挥的作用。并以此为基础总结出我国应该建立一个有效的普惠金融体系框架，进而研究出农村普惠金融在我国广大农村应该明确的发展模式和战略要求。
[Abstract]:In recent years, with the development of China's economy, the financial industry has also developed rapidly. In the period of "12th Five-Year", China has made the sound of the national financial system and the improvement of financial services as an important content of the economic reform. However, there are obvious differences between the East and the west, between the East and the west, because of the unbalanced economic development in China. The development of the financial industry in the rural areas is a relatively weak link. In order to establish a complete financial system, the reform and development of rural finance is imperative. In addition, the development of rural finance is the core of the development of the rural economy because of the rural economy is generally relatively backward. The further improvement of the socialist market economy system is of great significance to the current economic construction of our country. At present, the financial system of farmers' needs and future development is the rural inclusive financial system which is adapted to the current situation of China's rural areas. It is developed in combination with the characteristics of our country's rural areas.
Based on the current situation of rural finance in China, this paper first expounds the basic theory of Inclusive Finance, mainly introducing the connotation, development process, theoretical support and the goal and significance for the development of Inclusive Finance in China's rural areas. The situation of economic development and the influence of Inclusive Finance are investigated and analyzed, and the problems they have encountered in the development of Inclusive Finance are summarized, including the lack of the financial needs of the rural areas, the lack of sustainability of the developing financial institutions, the unsound environment for the development of Inclusive Finance, and so on. The main reasons for these problems are: the lag of the rural development, the lack of professional talent technology, the limitation of the two yuan financial structure in urban and rural areas, the inadequate financial institutions established in the rural areas, the wrong intervention of the local government in the development of the financial industry. Based on the analysis and experience of the rural inclusive financial development model, combined with the present situation of the rural development in Kirin District, the objective of the future financial development in the region is clarified. It is necessary to maintain its health and sustainability in the process of promoting the financial services of the majority of farmers and to participate in and manage the government in the process of developing the inclusive financial process. Control reasonable application to realize the function it should play.
On the basis of this, we conclude that China should establish an effective framework of inclusive financial system, and then study the clear development mode and strategic requirements of rural Inclusive Finance in the vast rural areas of our country.
【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】：F832.35;F327

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