益阳市农村金融服务的问题及其对策研究

发布时间：2019-07-05 18:26

【摘要】：我国自改革开放以来,尤其是加入WTO以来,国民经济取得了飞速发展,人民生活水平也得到了巨大的提升,但同时,作为一个传统农业大国,我国的农业、农村、农民问题也开始凸显,城乡经济发展越来越失去平衡。“三农”问题一直是政府工作的重中之重,从1982年至2014年,中央一号文件中“三农”问题作为重点出现了16次,足见国家政府对其的高度重视。城乡经济发展一体化是解决我国“三农”问题的根本途径,农村金融服务对农村经济的发展起着举足轻重的作用。但是伴随着我国城镇化进程的加快,我国农村金融业发展却很缓慢,农村金融市场出现了各种问题,严重制约了我国农业经济的健康快速发展。借鉴国内外农村金融发展的经验,结合我国农村金融的实际情况,找到解决各种问题的途径,建立更加完善的农村金融市场体系正是本文的研究内容所在。本文简单介绍研究的背景,综合阐述了国内外研究,对农村金融的内涵概念、农村金融的相关理论进行了阐述,以湖南益阳市为例,分析其农村金融发展的现状后,发现存在着一些问题：农村金融的主体缺位,农村金融服务功能不足、农村资金需求缺口大、农村金融生态环境急需改善、农村金融机构风险管控能力有待提升等,并从历史层面、现实层面、客观层面和主观层面分析了产生问题的深层次原因,并借鉴国内外农村金融的研究成果和实践经验,结合我国农村金融的实情,提出了深化农村金融改革,不断增强农村金融竞争活力、创新农村金融服务产品和工具,满足农村多元化金融需求、加强银政合作,不断探索金融支农新模式、积极争取政策支持,大力满足农村金融资金需求、加强风险管控能力提升,促进金融机构的稳健发展的等对策建议。
[Abstract]:Since China's reform and opening up, especially after China's entry into WTO, the national economy has made rapid development, and the living standards of the people have also been greatly improved. at the same time, as a traditional agricultural country, the problems of agriculture, rural areas and farmers in China have also begun to highlight, and the economic development of urban and rural areas has lost more and more balance. The issue of "agriculture, countryside and farmers" has always been the top priority of the government's work. From 1982 to 2014, the issue of "agriculture, countryside and farmers" in the first document of the Central Committee has been the focus of 16 times, which shows that the national government attaches great importance to it. The integration of urban and rural economic development is the fundamental way to solve the problems of agriculture, countryside and farmers, and rural financial services play an important role in the development of rural economy. However, with the acceleration of urbanization in China, the development of rural financial industry in China is very slow, and various problems have appeared in the rural financial market, which seriously restricts the healthy and rapid development of agricultural economy in China. Drawing lessons from the experience of rural financial development at home and abroad, combined with the actual situation of rural finance in our country, we can find out the ways to solve all kinds of problems and establish a more perfect rural financial market system is the research content of this paper. This paper briefly introduces the background of the study, comprehensively expounds the research at home and abroad, expounds the connotation concept of rural finance and the relevant theories of rural finance, takes Yiyang City, Hunan Province as an example, analyzes the present situation of its rural financial development, and finds that there are some problems: the absence of the main body of rural finance, the deficiency of rural financial service function, the large gap of rural capital demand, and the urgent need to improve the rural financial ecological environment. The risk control ability of rural financial institutions needs to be improved, and from the historical level, realistic level, objective level and subjective level, this paper analyzes the deep-seated causes of the problems, and draws lessons from the research results and practical experience of rural finance at home and abroad, combined with the reality of rural finance in our country, puts forward to deepen the rural financial reform, constantly enhance the vitality of rural financial competition, and innovate the products and tools of rural financial services. To meet the diversified financial needs of rural areas, strengthen the cooperation between banks and government, constantly explore a new mode of financial support for agriculture, actively strive for policy support, vigorously meet the needs of rural financial funds, strengthen the ability of risk management and control, and promote the steady development of financial institutions.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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