宁夏农村支付服务环境建设研究

发布时间：2018-05-07 14:18

本文选题：农村支付环境 + 非现金结算　；参考：《西北农林科技大学》2017年硕士论文

【摘要】：农村支付环境体系,作为发展农村金融的前提和基础,是发展新农村经济的重要支撑。完善的农村支付环境体系,不仅可以加快解决农村地区金融服务滞后的问题,使农民享受到与城市居民同等水平的现代化支付体系服务,也可以提高农村地区资金清算效率,推动农村经济的发展。近年来,宁夏农村支付环境建设在中央、地方各方的支持下取得了一定的进展,但仍处于待发展阶段,支付清算基础设施、支付手段和支付工具的应用依然薄弱。尤其在偏远农村地区,银行网点过少、传统结算方式绝对主导、非现金支付工具应用较低等现象严重,制约了农村地区的经济发展,扫除农村金融服务空白,完善农村支付环境建设极为迫切。本文以完善农村支付环境体系建设为目标,在梳理国外政府主导、市场主导及移动支付等农村支付环境建设模式的基础上,开展萨伊定律、公共产品理论、需求供给理论等理论分析,结合宁夏农村地区支付环境建设现状,运用SWOT手段分析了宁夏农村支付环境建设的优势、劣势、机会和风险,构建SWOT矩阵提出了实施增长型战略、扭转型战略、防御型战略、多元化战略的具体途径与举措,并选取了增长型战略和防御型战略为改善宁夏农村支付服务环境的策略措施。经研究,本文发现了农村支付环境建设中存在的助农取款服务点存在安全风险隐患、银行短期逐利性导致银行机构参与积极性不高、农村日常消费领域非现金支付程度低、监督管理措施难于全面到位、金融消费者权益保护有待加强等问题,针对性地提出了建立农村支付服务环境建设综合评价体系、合理布局助农取款服务点、加强工作人员培训、加大宣传推广、简化操作流程、推动电子支付创新产品的应用普及、强化风险监督、丰富助农取款服务点功能等完善措施。同时,提出了建立六大保障机制,即:加强和推进农村支付服务环境建设多部门合作机制、健全农村支付服务环境建设奖惩机制、完善农村消费者权益保护机制、加大非现金支付结算工具创新机制、形成多方联动的风险预算机制、建立多种模式的服务机制等。这些措施对下一步改进和完善宁夏农村支付环境体系建设奠定了经验基础。
[Abstract]:As the premise and foundation of developing rural finance, rural payment environment system is an important support for the development of new rural economy. A sound rural payment environment system can not only quicken the solution to the problem of lagging financial services in rural areas, enable farmers to enjoy the same level of modern payment system services as urban residents, but also improve the efficiency of fund clearing in rural areas. Promote the development of rural economy. In recent years, the construction of rural payment environment in Ningxia has made some progress with the support of the central government and local parties, but it is still in the stage of development. The application of payment settlement infrastructure, payment means and payment tools is still weak. Especially in remote rural areas, such phenomena as too few bank outlets, absolute dominance of traditional settlement methods and low application of non-cash payment tools have restricted the economic development of rural areas and swept away the gaps in rural financial services. Improving rural payment environment construction is extremely urgent. This paper aims to perfect the construction of rural payment environment system, and on the basis of combing the construction mode of rural payment environment, such as foreign government leading, market leading and mobile payment, carries out Say's law, public goods theory, etc. Based on the theoretical analysis of demand and supply theory, combined with the present situation of payment environment construction in rural areas of Ningxia, this paper analyzes the advantages, disadvantages, opportunities and risks of rural payment environment construction in Ningxia by means of SWOT, and constructs the SWOT matrix to put forward the strategy of implementing growth type. The specific ways and measures of twisting strategy, defensive strategy and diversification strategy are discussed, and the growth strategy and defensive strategy are selected as the strategies and measures to improve the service environment of rural payment in Ningxia. Based on the research, this paper finds out that there are hidden risks in the agricultural withdrawal service points in the construction of rural payment environment. The short-term profit banding of banks leads to the low participation enthusiasm of the banks and the low non-cash payment in the rural daily consumption field. The supervision and management measures are difficult to be fully implemented, and the protection of the rights and interests of financial consumers needs to be strengthened. This paper puts forward the establishment of a comprehensive evaluation system for the construction of rural payment service environment, the rational distribution of service points for agricultural withdrawal, and the strengthening of staff training. Strengthen propaganda, simplify operation flow, promote the popularization of electronic payment innovation products, strengthen risk supervision, enrich the function of agricultural withdrawal service points and other perfect measures. At the same time, it puts forward the establishment of six guarantee mechanisms, that is, to strengthen and promote the multi-sector cooperation mechanism of rural payment service environment, to perfect the reward and punishment mechanism of rural payment service environment construction, and to perfect the protection mechanism of rural consumers' rights and interests. The innovation mechanism of non-cash payment and settlement tools should be strengthened, the risk budget mechanism of multi-party linkage should be formed, the service mechanism of various modes should be established, and so on. These measures lay an empirical foundation for further improvement and improvement of Ningxia rural payment environment system.
【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】：2017
【分类号】：F832.2

【参考文献】