吉林省农村金融服务创新发展研究

发布时间：2019-01-30 12:29

【摘要】：农村金融是农村经济的核心，包括农村信用合作社在内的金融主体及组织通过资金的融通激活农村市场经济活力，为农村经济发展提供资金支持，对于推进农村经济又好又快发展意义重大。随着经济社会发展及改革的不断深化，农村金融发展弊端逐渐凸显，金融组织结构不尽合理，效率低下，资金流失严重等问题严重阻碍了农村金融发展，这对农村金融发展提出新的要求。虽然新型的农村金融组织机构已经构建，但在实际经济社会运行中仍有局限。这些困境及局限性也对吉林省农村金融发展产生了深远影响，一定程度上制约了吉林省农村经济的持久发展以及社会主义新村建设，因此，发展农村经济必须着眼于农村金融，以农村金融服务带动农村经济发展，探索出一条适合吉林省农村经济发展的金融服务发展体系。笔者对近年来吉林省农村金融服务发展与创新进行了认真研究。利用文献分析法、调查分析法、规范分析法等研究方法，以麦金农——肖金融抑制与金融深化理论、农村金融市场需求理论、供给理论、均衡理论等作为基础理论，对农村金融、金融服务、金融创新等概念进行界定，阐述了吉林省现行农村金融服务体系的基本结构，对吉林省农村金融服务目前发展的情况进行了系统分析，提出了制约吉林省农村金融服务发展的因素，包括融资渠道狭窄、服务效率低下、投资渠道单一等不足之处。这些问题是由于政策法规不健全、资金缺乏有效竞争机制、融资保险配套措施不完善等原因所引起的；在此基础上对吉林省农村金融服务发展战略进行剖析，提出了吉林省农村金融服务发展的目标和原则以及吉林省农村金融服务发展创新的内容，包括农村信用社改革创新、农村金融产品、衍生品和金融服务创新、引入新型金融机构创新等；最后针对吉林省农村金融服务存在的问题及成因，以发展目标、原则和创新内容为向导，分析了吉林省农村金融服务创新的风险，提出了深化农村金融机构改革、加强农村金融信贷产品和服务创新、加大政府对农村金融服务的投入、加强相关部门对农村合作金融的监管、完善农村金融服务政策体系等途径实现吉林省农村金融的健康有序发展的风险防控措施。全文共分6章：第1章：主要介绍了农村金融服务创新的研究背景、目的、意义，国内外研究现状以及研究的主要内容和思路。第2章：论文研究的相关概念及理论基础。该部分从农村金融服务基础理论出发，分别界定了农村金融、金融服务、金融创新等相关概念，以麦金农和肖金融抑制与金融深化理论、农村金融市场的需求、供给及市场均衡理论等相关理论作为论文理论依据，为吉林省农村金融服务发展创新的研究做好理论铺垫。第3章：吉林省农村金融服务发展现状及存在的问题。该部分通过分析吉林省农村金融服务体系发展现状及存在的问题，提出了吉林省农村金融服务存在融资渠道有限、服务效率低下、投资渠道单一等问题，针对这些问题分析了产生这些问题的成因，包括政策法规不健全、金融市场缺乏有效的竞争机制、融资保险配套措施不完善等，提出相应的解决方案及途径。第4章：吉林省农村金融服务创新发展战略。该部分详细分析了吉林省农村金融服务创新的发展战略，制定了吉林省农村金融服务创新发展的目标，包括完善农村金融服务制度、普及宣传和教育加快基础设施建设等；在此基础上制定了吉林省农村金融服务发展的原则，包括提高金融服务效率、降低交易成本、形成利益激励机制等；在发展目标和遵循原则的基础上，提出了吉林省农村金融服务发展创新的内容，包括农村信用社改革创新、农村金融产品和金融服务创新、引入新型金融机构创新等。第5章：吉林省农村金融服务创新存在的风险及防控措施。主要介绍了吉林省农村金融服务创新存在的风险，并进一步分析风险的特点、种类，并结合吉林省农村金融服务创新的风险提出吉林省农村金融服务创新的风险防控措施。第6章：结论。
[Abstract]:The rural finance is the core of the rural economy, and the financial subject and the organization, including the rural credit cooperatives, activate the vitality of the rural market economy through the financing, and provide financial support for rural economic development. With the development of the economic and social development and the deepening of the reform, the development of the rural financial development is becoming more and more prominent. The problems of the structure of the financial organization are not reasonable, the efficiency is low, the capital loss is serious, and so on. Although the new rural financial organization has been constructed, it is still limited in the actual economic and social operation. These difficulties and limitations also have a far-reaching influence on the rural financial development of Jilin Province, which, to some extent, restrict the sustainable development of the rural economy in Jilin Province and the construction of the new socialist village. Therefore, the development of the rural economy must focus on the rural finance. The rural financial service is driven to develop the rural economy, and a financial service development system suitable for the rural economic development of Jilin province is explored. The author has made a serious research on the development and innovation of rural financial service in Jilin province in recent years The research methods such as the literature analysis method, the investigation and analysis method, the standard analysis method, etc. are used as the basic theory for the theory of financial inhibition and financial deepening, the demand theory of the rural financial market, the supply theory, the equilibrium theory and so on. This paper defines the concept of the current rural financial service system in Jilin Province, expounds the basic structure of the current rural financial service system in Jilin Province, analyses the situation of the current development of the rural financial service in Jilin Province, and puts forward the factors that restrict the development of the rural financial service in Jilin Province, including the narrow financing channel. It is narrow, the service efficiency is low, the investment channel is single and so on The problems are caused by the imperfection of the policies and regulations, the lack of effective competition mechanism of the funds, the imperfect of the financing insurance, and the development strategy of the rural financial services in Jilin Province. In this paper, the goals and principles of the development of rural financial services in Jilin Province and the contents of the development and innovation of rural financial services in Jilin Province are put forward, including the innovation of rural credit cooperatives, rural financial products, derivatives and financial service innovation, and the introduction of new financial institution innovation. Finally, aiming at the problems and the causes of the rural financial service in Jilin Province, the paper analyzes the risk of the innovation of the rural financial service in Jilin Province, and puts forward the reform of the rural financial institutions and the strengthening of the rural financial credit products and services. New and strengthened the government's input to the rural financial services, strengthen the supervision of the relevant departments to the rural cooperative finance, improve the rural financial service policy system and so on, and realize the risk prevention and control measures of the healthy and orderly development of the rural finance in Jilin Province Full text Chapter 6: Chapter 1: The background, purpose and significance of the innovation of the rural financial service are mainly introduced, and the research situation and the main research of the research are mainly introduced. content and thought. Chapter 2: Related to the study of the paper Based on the basic theory of rural financial service, this part defines the related concepts such as rural finance, financial service, financial innovation and so on. The theory of demand, supply and market equilibrium of financial market, as the theoretical basis of the thesis, is a research on the innovation of the development of rural financial services in Jilin Province. The third chapter: the development of rural financial services in Jilin Province Based on the analysis of the present situation and existing problems of the rural financial service system in Jilin Province, this paper puts forward some problems such as limited financing channel, low service efficiency and single investment channel in the rural financial service in Jilin Province, and analyzes the problems. The cause of these problems, including the non-sound policies and regulations, the lack of effective competition mechanism in the financial market, the imperfect supporting measures of the financing insurance, etc. Solutions and approaches to be provided. Chapter 4: Jilin Province Agriculture This part analyses the development strategy of the rural financial service innovation in Jilin Province, and sets out the goal of the innovation and development of the rural financial service in Jilin Province, including the improvement of the rural financial service system, the popularization of publicity and the popularization of the rural financial service innovation. On this basis, the principles of the development of rural financial services in Jilin Province, including the improvement of the efficiency of financial services, the reduction of transaction costs and the formation of the incentive mechanism, are put forward, and the rural areas of Jilin Province are put forward based on the development goal and the principle of follow-up. The content of the innovation of financial service development, including the innovation of the rural credit cooperatives, the rural financial products and the financial service innovation, The introduction of new financial institution innovation, etc. Chapter 5: Rural Financial Services in Jilin Province The paper mainly introduces the risk of the innovation of the rural financial service in Jilin Province, and further analyzes the characteristics and types of the risks, and puts forward the rural financial service innovation in Jilin Province and puts forward the rural areas of Jilin Province. financial service innovation
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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