我国农村金融服务产品供求关系研究

发布时间：2018-12-13 12:56

【摘要】：随着我国经济快速发展，在新农村的建设过程中我们发现，农村许多地区出现了金融服务跟不上时代的脚步，供求不平衡相对比较严重，使非法集资及高利货等有了生长的空间，，所以深入研究农村金融服务产品的供求问题对于新农村建设和发展具有重要的现实意义。本文通过文献研究、理论分析、实地调研等研究方法对我国农村金融服务产品问题的研究和探讨，深入分析当前我国农村金融服务产品的现状、存在的问题，提出解决农村金融服务问题的路径。通过对农村金融调研与分析发现，农村经济投资渠道单一，农民在资金剩余时，几乎只能选择存入银行，渠道单一，收益率非常低下；另外一方面，农民在生产性资金和消费性资金的获得方面都面临着较多的信贷困难，农民需要融资时往往选择非正规渠道来进行，融资渠道狭窄造成了资金获得困难；再者，在现有融资渠道情况下，为了解决资金困境，非正规金融市场上，资金互助会、亲朋友好友的相互拆借等开始出现，甚至以高利贷的形式无序发展。要想促进我国农村金融服务发展，解决我国农村金融服务产品供求平衡，就必须要政府组织引导金融机构、农民、市场等主体参与，促进农村金融服务市场发展，宣传提高农民对金融投资与融资的认识，建立完善的扶助体系，结合农民的实际特点创新金融产品，让金融产品容易让农户接受且简便操作，同时完善信用体系，减少违法违规现象，促进农村金融服务行业健康发展。
[Abstract]:With the rapid economic development of our country, in the process of building a new rural area, we have found that financial services in many rural areas have not kept up with the pace of the times, and the imbalance between supply and demand is relatively serious. So it is of great practical significance to study the supply and demand of rural financial service products for the construction and development of new countryside. In this paper, through literature research, theoretical analysis, field research and other research methods of rural financial service products in China, in-depth analysis of the current situation of rural financial services products, existing problems, Put forward the way to solve the problem of rural financial service. Through the investigation and analysis of rural finance, it is found that the channel of rural economic investment is single, the farmers can almost only choose to deposit in the bank when the funds are surplus, the channel is single, and the return rate is very low. On the other hand, farmers are faced with more difficulties in obtaining productive funds and consumer funds. Farmers often choose informal channels when they need to finance, and the narrow financing channels cause difficulties in obtaining funds. Furthermore, in the existing financing channels, in order to solve the financial difficulties, in the informal financial market, mutual financing meetings, friends and friends of the mutual lending began to appear, even in the form of usury disorderly development. In order to promote the development of rural financial services in China and solve the balance between supply and demand of rural financial service products in China, it is necessary for the government to organize and guide financial institutions, farmers and markets to participate in order to promote the development of the rural financial service market. Promoting and improving farmers' understanding of financial investment and financing, establishing a sound support system, innovating financial products in combination with farmers' actual characteristics, making financial products easy for farmers to accept and easy to operate, and perfecting the credit system at the same time, Reduce illegal phenomenon, promote the healthy development of rural financial service industry.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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