内蒙古锡林郭勒盟农牧区互联网金融发展研究

发布时间：2018-10-25 14:23

【摘要】：随着自治区经济高增速发展,政府和各金融机构加大了农牧业政策、财政支持,农牧业也取得了长足的进步,但不可否认由于自治区大部分城镇规模小、人口分散,均衡发展投入大见效慢,目前多数城镇的农牧业经济发展仍处于较落后的状态,金融服务缺失,农牧民收入增速缓慢资金运转困难,制约着自治区的转型发展。作为自治区中部地区迅速崛起的农牧业大盟——锡林郭勒盟,在这一特殊时期,农村金融在调剂农村资金余缺、提供农村支付、转账、兑现等服务方面发挥了不可替代的作用。在锡盟地广人稀、农业迫切需要转型发展的情况下,银行、信用社等传统金融机构,已经远远不能满足农民日益增长得金融需求,互联网金融因其轻应用、碎片化、及时性理财的属性渗透到广大的农村地区是农村金融发展的必然趋势。因此在供需视角下,科学探求农村牧区互联网金融发展策略,有利于缓解锡盟农牧区金融矛盾,有利于加快农村牧区经济社会转型发展。目前国内外在互联网金融方面的研究多针对发达地区、大中城市,或针对某一方面。而后发地区、农村人口众多、农牧业混合、需求量大、又具多元化特征的内蒙草原城镇的农牧区金融需求及互联网金融服务研究文献还较少。本文在对锡盟经济、社会发展状况及农牧区金融发展现状进行全面调查的基础上,通过对农牧户借贷行为的考察,从供给和需求两个方面对锡盟农牧区金融服务进行深入分析和研究,揭示目前供需矛盾的集中点,并对互联网金融业发展的利弊及地区适宜性进行分析,以此为导向探讨与锡盟相适宜的互联网金融服务发展的有效途径,以实现农村经济发展对金融功能的需求与农村金融体系对金融功能的供给二者的平衡;同时应对农牧区经济主体越来越多元化的金融需要。
[Abstract]:With the rapid economic growth of the autonomous region, the government and various financial institutions have increased their agricultural and animal husbandry policies. Financial support and agricultural and animal husbandry have also made considerable progress. However, it is undeniable that due to the small size of most towns in the autonomous region and the scattered population, At present, the development of agriculture and animal husbandry in most cities and towns is still in a relatively backward state, the financial service is lacking, and the slow growth rate of income of farmers and herdsmen is difficult to run, which restricts the transformation and development of the autonomous region. In this special period, rural finance plays an irreplaceable role in adjusting rural funds, providing rural payment, transfer, cash and other services. Under the circumstance that the territory of Ximeng is sparse and agriculture is in urgent need of transformation and development, traditional financial institutions such as banks, credit unions and so on can no longer meet the growing financial needs of farmers. Internet finance is fragmented because of its light application. It is the inevitable trend of rural financial development that the property of timely financial management permeates the vast rural areas. Therefore, from the perspective of supply and demand, scientific exploration of the development strategy of Internet finance in rural pastoral areas is conducive to alleviating the financial contradictions in the agricultural and pastoral areas of Ximeng and speeding up the development of economic and social transformation in rural pastoral areas. At present, domestic and foreign research on Internet finance is mostly aimed at developed regions, large and medium cities, or a certain aspect. In the later area, the rural population is large, the agriculture and animal husbandry are mixed, the demand is large, and the research literature on the financial demand and Internet financial service of Inner Mongolia grassland towns is still few. On the basis of a comprehensive investigation of the economy, social development and financial development in the agricultural and pastoral areas, this paper investigates the lending behavior of agricultural and pastoral households. From the two aspects of supply and demand, this paper makes a deep analysis and research on the financial services in Ximeng agricultural and pastoral areas, reveals the concentration points of the contradiction between supply and demand at present, and analyzes the advantages and disadvantages of the development of the Internet financial industry and its regional suitability. In order to balance the demand for financial function of rural economic development and the supply of financial function of rural financial system, this paper discusses the effective way to develop Internet financial services which is suitable for the development of Ximeng Association with a view to realizing the balance between the demand for financial function in rural economy development and the supply of financial function in rural financial system. At the same time, to deal with the agricultural and pastoral areas more and more diversified economic main financial needs.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.7

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