农村金融机构功能与市场定位研究

发布时间：2018-12-17 21:25

【摘要】：农村金融机构是我国国民经济的重要组成部分,对我国农村经济的发展发挥着重要作用。但从现今我国农村金融机构的发展及运行状况来看,始终存在着功能不健全、市场定位不明确等诸多问题,这些问题已经严重影响和阻碍了我国农村金融以及农村经济的健康发展,也对我国国民经济产生巨大的影响。本文从明确农村金融与金融机构的概念、特点、构成及相关关系入手,在对相关金融理论研究基础上,深刻阐述了我国现有农村金融机构在功能和市场定位方面存在的问题,通过借鉴发达国家农村金融在服务农村经济社会发展方面的成功经验,提出了我国未来各农村金融机构应该具有的政策性、商业性和合作性功能,进而明确农村金融机构在服务农村经济社会发展中的市场定位。本文试想对我国现有农村金融机构按政策需求类,涉农大型需求类、涉农中小型需求类、涉农微型需求类、农户需求类五大类进行市场划分,需要政策性支持的完全交由政策性金融机构进行服务,涉农大型需求的则可以由农业银行以及具有一定实力的农商银行进行金融服务,涉农中小型需求的可以由农商银行、邮政储蓄及村镇银行进行金融服务,涉农微型需求及农户需求的则可以由贷款公司和农村资金互助社进行金融服务。市场被细分后,不仅可以使各金融机构对所支持的需求对像提供更加专业、更加细致的金融服务,也可以有效防止金融机构在广大农村地区对效益好、成长潜力大的需求对象过度竞争,造成资源浪费。通过细分市场,可以使广大农村地区的经济体得到比较均衡、更加专业的金融服务。
[Abstract]:Rural financial institutions are an important part of our national economy and play an important role in the development of our country's rural economy. However, from the current development and operation of rural financial institutions in China, there have always been many problems, such as imperfect functions, unclear market positioning, and so on. These problems have seriously affected and hindered the healthy development of rural finance and rural economy, and have a huge impact on our national economy. In this paper, the concept, characteristics, constitution and related relations of rural finance and financial institutions are clarified. On the basis of the research on relevant financial theories, the problems existing in the function and market positioning of the existing rural financial institutions in China are deeply expounded. By drawing lessons from the successful experience of rural finance in serving rural economic and social development in developed countries, this paper puts forward the policy, commercial and cooperative functions that rural financial institutions should have in the future. Then the market orientation of rural financial institutions in serving rural economic and social development is clarified. This paper tries to divide the market of the existing rural financial institutions into five categories: policy demand, large agricultural demand, small and medium-sized agricultural demand, agricultural micro demand and peasant household demand. Where policy support is required, it is entirely handed over to the policy financial institutions for service, while agricultural banks and agricultural and commercial banks with certain strength can provide financial services to those with large-scale needs related to agriculture. Agricultural and commercial banks can provide financial services to those with small and medium-sized needs related to agriculture. Postal savings and village and town banks provide financial services, while those involving the needs of micro-farmers and farmers can be served by loan companies and rural mutual aid societies. After the market has been subdivided, it can not only enable financial institutions to provide more professional and meticulous financial services to the clients they support, but also effectively prevent financial institutions from doing well in the vast rural areas. Demand objects with great growth potential compete excessively, resulting in waste of resources. By segmenting markets, economies in rural areas can be more balanced and more professional in financial services.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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