阜平县农村金融服务改革创新的调研报告

发布时间：2018-08-02 16:01

【摘要】：自十八大以来,我国农村金融市场的改变对农村金融服务的需求和供给都产生重要影响。阜平县以会议精神为指导,经过多年的摸索建立的阜平模式对改善其他贫困地区金融服务具有借鉴意义。本文以阜平县农村金融服务创新实践为出发点,按照“现状-问题-对策”的逻辑结构,通过理论与实践相结合、资料收集与实地调查相结合的方法对阜平县农村金融服务创新和实践问题进行了深入研究。本文在实地调研深入了解阜平县“政府+保险+银行+农户(企业)”模式的基础上,对阜平现有的金融服务改革措施进行了探讨,较为详细地介绍了阜平模式的创新之处。接着针对贷款需求主体发放调查问卷,分析当前模式下存在的不足之处,虽然阜平金融改革取得了重大进步,但是由于经济实力总体落后,金融组织层次单一导致农户融资渠道单一;现有金融服务与农户需求仍有不匹配之处;金融机构金融扶贫与可持续发展目标冲突,导致放款积极性不高;农户诚信意识淡薄,整体金融生态环境不佳。针对这些问题,提出建议引入新型农村金融机构,构建多层次金融组织体系;顾及农村金融服务需求,开发多样化金融创新产品;明确职能定位,激发金融机构放款积极性;完善诚信系统,优化农村金融生态环境等具体建议。
[Abstract]:Since the 18th National Congress, the change of rural financial market has had an important impact on the demand and supply of rural financial services. Fuping County, guided by the spirit of the meeting, established the Fuping model after many years of exploration, which can be used for reference in improving financial services in other poverty-stricken areas. Based on the innovation practice of rural financial service in Fuping County, this paper combines theory with practice according to the logical structure of "actuality-problem-countermeasure". This paper studies the innovation and practice of rural financial service in Fuping County by means of data collection and field investigation. On the basis of field investigation and investigation, this paper probes into the existing financial service reform measures in Fuping on the basis of deeply understanding the mode of "government insurance bank farmers (enterprises)" in Fuping County, and introduces in detail the innovation of the Fuping model. Then according to the loan demand main body to issue the questionnaire, analyzes the insufficiency under the current pattern, although the Fuping financial reform has made the significant progress, but because the economic strength overall falls behind, The single level of financial organization leads to a single channel of financing for farmers; the existing financial services and farmers' needs still do not match; the financial institutions' financial poverty alleviation and sustainable development goals conflict, which leads to the low enthusiasm of lending; the weak sense of good faith of farmers. The overall financial ecological environment is not good. Aiming at these problems, some suggestions are put forward to introduce new rural financial institutions, to build a multi-level financial organization system, to take into account the needs of rural financial services, to develop diversified financial innovation products, to define the functional orientation, and to stimulate the enthusiasm of financial institutions to lend money. Perfect the credit system, optimize the rural financial ecological environment and other specific suggestions.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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