我国新型农村合作金融发展研究

发布时间：2018-07-05 19:25

本文选题：新型农村合作金融 + 发展现状　；参考：《河南工业大学》2017年硕士论文

【摘要】：农村金融改革长期以来都是我国国内十分热议的话题,而作为农村金融改革中重要一环的农村合作金融的改革,关系到我国农村合作经济的发展和农业经济的命脉,显得尤为重要。长期以来,农村合作金融在我国支农领域里发挥着极为重要的作用,促进了农业生产和农民增收,还推进了我国新农村建设。新中国成立以来,作为我国农村合作金融领域支农典型代表的农村信用社,在经历了几十年的改革和发展后,渐渐地偏离了合作金融的本质,朝着商业化的方向不断迈进。随着农村信用社的异化,我国农村合作金融市场逐渐出现了空缺,亟需新的合作金融形式来弥补这一空缺。近些年来,随着中央对发展农村合作金融重视力度的不断加大,以及一些相关文件的出台,我国农村金融市场新的农村合作金融组织不断涌现,像农村资金互助社、贫困村村级资金互助社以及依托农民专业合作组织建立的资金互助形式等,这些新的合作金融形式的出现对我国农村合作金融市场产生了重要的影响。本文在合作金融相关理论的基础上,运用文献分析、对比分析和规范分析的方法,通过对我国新型农村合作金融的介绍与发展现状的研究,得出我国新型农村合作金融虽然取得了长足的进步,存在两种典型的发展模式,即“百信模式”和“山东模式”,但是仍然存在着不少问题,比如说农村资金互助社发展缓慢、经营困难;贫困村资金互助社发展虽然迅速,但是发展却很不平衡,而且管理人才匮乏;依托农民专业合作社建立的资金互助组织发育十分缓慢,并且缺乏相应的政策和法律依据。从总体上来看,我国新型农村合作金融发展面临着立法滞后、政策支持不足、金融组织经营管理不规范以及相应的风险防范措施不健全等问题。文章在借鉴了国外一些发达国家关于发展农村合作金融经验的基础上,提出了推进我国新型合作金融发展的对策:一是要加强相关的立法工作;二是要加大政府的扶持力度;三是要拓宽新型农村合作金融组织的融资渠道;四是要坚持合作金融的本色;五是要建立和健全相应的风险防范和处理机制。本文可能的创新之处在于,一是对新型农村合作金融的概念予以了界定,二是在如何发展新型农村合作金融问题上,提出了一些自己的观点和看法。
[Abstract]:Rural financial reform has been a hot topic in China for a long time, and the reform of rural cooperative finance, which is an important part of rural financial reform, is very important to the development of rural cooperative economy and the lifeline of agricultural economy. The important role has promoted the agricultural production and the increase of farmers' income, and promoted the construction of new rural areas in China. Since the founding of new China, as a typical representative of rural cooperative finance in the rural areas of China, rural credit cooperatives, after decades of reform and development, gradually deviated from the essence of cooperative finance and moved towards the direction of commercialization. With the dissimilation of the rural credit cooperatives, the rural cooperative financial market has gradually emerged in China, and the new cooperative financial form is urgently needed to make up for this vacancy. In recent years, with the increasing attention of the central government to the development of rural cooperative finance, and the introduction of some related documents, the new rural cooperative gold in the rural financial market of our country. These new forms of cooperative finance have an important influence on the rural cooperative financial market in our country. Based on the related theories of cooperative finance, the paper uses the literature on the basis of the cooperative finance theory. Analysis, comparative analysis and standard analysis method, through the study of the introduction and development of new rural cooperative finance in China, it is concluded that China's new rural cooperative finance has made great progress, there are two typical development modes, namely, "hundred faith mode" and "Shandong model", but there are still a lot of problems. For example, the development of rural capital mutual aid cooperatives is slow and difficult to operate; although the development of funds for mutual funds in poor villages is rapid, the development is very uneven, and the management talent is scarce; the development of mutual fund assistance organizations based on Farmers' professional cooperatives is very slow and lacks the corresponding policy and legal basis. The development of village cooperative finance is faced with the problems of lagging legislation, insufficient policy support, unstandardized management of financial organizations and unsound risk prevention measures. On the basis of the experience of developing rural cooperative finance in some developed countries, the article puts forward the countermeasures to promote the development of new cooperative finance in China: first, To strengthen the relevant legislative work; two is to increase the support of the government; the three is to broaden the financing channels of the new rural cooperative financial organizations; four to adhere to the principal color of the cooperative finance; five to establish and improve the corresponding risk prevention and treatment mechanism. The possible innovation of this article lies in the new rural cooperative finance. The concept is defined. Two, it puts forward some views and views on how to develop new rural cooperative finance.
【学位授予单位】：河南工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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