我国农村金融体系的现状与对策研究

发布时间：2018-06-20 21:52

本文选题：农村金融体系 + 比较　；参考：《中南林业科技大学》2014年硕士论文

【摘要】：中国正处于转轨时期,研究农村金融体系的改革与发展具有重要意义。通过与国外农村金融体系的比较,借鉴其先进经验与制度,能积极促进中国农村资源的合理配置和高效利用,极大促进农村经济健康发展。本文在分析中国农村金融体系弊端的基础上,深入研究和比较了国外各国农村金融体系的特点,并对其有益经验加以借鉴,以期对我国农村金融体系的发展与改革提出有益的政策建议。文章首先阐释了农村金融体系的基本概念与理论基础,包括农村金融体系的定义、功能与需求,着重阐释了声誉理论与博弈理论。其次,分析了中国农村金融体系的现状与弊端,指出中国农村金融体系的构成主要包括正规金融与非正规金融,着重分析了中国农村乡镇企业与农户的现状。论述了中国农村金融体系的若干弊端,包括地区失衡与无序,资源不足与不对称,以及金融监管的缺乏与合力的不足。第三,介绍了美国、法国、日本等发达国家的农村金融体系的现状,阐述了发达国家的法律体系完备、外部环境良好,以及监管有力等特点。发展中国家主要论述了印度、孟加拉国、巴西等国家与地区的农村金融体系的不同特点,对其制度完备、信贷高效、机构健全等特点进行了阐述。在分析国外农村金融体系先进经验的基础上,论述了合作金融、政府支持、加强合作等是我国亟需借鉴的有益经验。最后,对我国农村金融体系改革提出了相应的对策与建议,包括构建多元化的金融组织体系,建立良好的法律监管环境,发展农村合作金融,以及建立有中国特色的农村保险体系。
[Abstract]:China is in a transitional period. It is of great significance to study the reform and development of rural financial system. By comparing with foreign rural financial system and drawing lessons from its advanced experience and system, we can actively promote the rational allocation and efficient utilization of rural resources in China, and greatly promote the healthy development of rural economy. Based on the analysis of the disadvantages of China's rural financial system, this paper makes a thorough study and comparison of the characteristics of the rural financial systems of foreign countries, and draws lessons from its beneficial experiences. In order to improve the development and reform of China's rural financial system, some useful policy suggestions are put forward. This paper first explains the basic concepts and theoretical basis of the rural financial system, including the definition, function and demand of the rural financial system, focusing on the reputation theory and the game theory. Secondly, the paper analyzes the present situation and malpractice of China's rural financial system, points out that the constitution of Chinese rural financial system mainly includes formal finance and informal finance, and emphatically analyzes the present situation of rural township enterprises and farmers in China. This paper discusses some disadvantages of China's rural financial system, including regional imbalance and disorder, shortage and asymmetry of resources, and lack of financial supervision and resultant force. Thirdly, it introduces the present situation of the rural financial system in the developed countries, such as America, France, Japan and so on, and expounds the characteristics of the developed countries, such as the perfect legal system, the good external environment, and the strong supervision and so on. Developing countries mainly discuss the different characteristics of rural financial system in India, Bangladesh, Brazil and other countries and regions. On the basis of analyzing the advanced experience of foreign rural financial system, this paper discusses that cooperative finance, government support and strengthening cooperation are the beneficial experiences that our country needs to draw lessons from. Finally, the corresponding countermeasures and suggestions on the reform of rural financial system are put forward, including the construction of a diversified financial organization system, the establishment of a good legal regulatory environment, and the development of rural cooperative finance. And establish a rural insurance system with Chinese characteristics.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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