黑龙江省农村金融机构适度化竞争研究
发布时间：2018-10-22 19:57
【摘要】：我国是传统的农业大国,农村金融机构作为农村经济供给的核心,为农村改革的发展提供了重要支持,取得了很好的成效。在政府的持续政策调控下,现阶段我国正在形成多层次、广覆盖、适度竞争的农村金融服务体系,政策性、商业性和合作性金融机构互为补充、携手并进,在增加农村金融服务的便利性、可得性方面做出了突出贡献。2014年的《中国农村金融服务报告》指出,在接下来改善农村金融服务的进程中,依然要在政策上继续给予强有力的支持,从加快农业现代化和改变农业发展方式出发,发展符合农村实际和满足农民需求的方式,加强创新的改革力度,以发展普惠金融和完善农村金融机构体系为基础,全面深化农村金融机构的改革。2013年《黑龙江省“两大平原”现代农业综合配套改革试验总体方案》的全面开展,使得黑龙江省的农村金融机构呈现出新的发展面貌。适度竞争的农村金融机构体系是农村金融发展和制度变迁的历史逻辑,所以探究黑龙江省农村金融机构是否达到适度竞争的要求也就显得尤为重要。本文立足于黑龙江省农村金融机构,结合相关理论基础及模型,以SCP模型为主,HHI指数、CRn指数为辅构建了评价黑龙江省农村金融机构适度竞争现状的指标体系,对黑龙江省农村金融机构适度竞争现状进行了分析,得出目前黑龙江省农村金融机构的市场集中度及垄断程度仍然较高,不过有下降的趋势,说明竞争程度有了一定程度的提升,初步形成了多元化的农村金融市场结构,逐步向构建适度竞争的农村金融体系过渡。之后结合黑龙江省实际情况,找寻影响黑龙江省农村金融机构适度竞争的因素,运用AHP分析从金融制度、经营层面、管理模式、客观条件四个方面细分为8个指标,得出宏观政策对适度竞争的影响最深,说明了政府干预力度的重要性。并相应从构建多元化农村金融机构体系、完善适度竞争的金融环境、提高机构自身进行适度竞争的能力三个角度分别提出对策建议,从而达到促进黑龙江省农村金融机构适度化竞争的目标。
[Abstract]:China is a traditional agricultural country. As the core of rural economic supply, rural financial institutions have provided important support for the development of rural reform and achieved good results. Under the continuous policy control of the government, at the present stage, our country is forming a multi-level, broad-coverage and moderately competitive rural financial service system. The policy-oriented, commercial and cooperative financial institutions complement each other and advance hand in hand. Outstanding contributions have been made in increasing the accessibility and accessibility of rural financial services. The 2014 China Rural Financial Services report notes that in the next process of improving rural financial services, We should continue to give strong policy support, proceed from speeding up agricultural modernization and changing the mode of agricultural development, develop ways that conform to the realities of rural areas and meet the needs of farmers, and strengthen innovative reform efforts. Based on the development of inclusive finance and the improvement of the system of rural financial institutions, the reform of rural financial institutions has been comprehensively deepened. The rural financial institutions in Heilongjiang Province show a new development. The system of moderately competitive rural financial institutions is the historical logic of rural financial development and institutional changes, so it is particularly important to explore whether rural financial institutions in Heilongjiang Province can meet the requirements of moderate competition. Based on the rural financial institutions in Heilongjiang Province, combined with the relevant theoretical basis and model, with the SCP model as the main, HHI index, CRn index as a supplement, this paper constructs an index system to evaluate the moderate competition status of rural financial institutions in Heilongjiang Province. Based on the analysis of the current situation of moderate competition among rural financial institutions in Heilongjiang Province, it is concluded that the market concentration and monopoly degree of rural financial institutions in Heilongjiang Province are still relatively high, but there is a downward trend. It shows that the degree of competition has been improved to a certain extent, and the diversified structure of rural financial market has been formed, and the transition to the construction of moderately competitive rural financial system has gradually taken place. Then combining with the actual situation of Heilongjiang Province, the paper finds out the factors that affect the moderate competition of the rural financial institutions in Heilongjiang Province, and uses AHP to analyze the financial system, the management level, the management model, and the objective conditions, which are subdivided into eight indicators. The author draws the conclusion that macro-policy has the most influence on moderate competition and explains the importance of government intervention. Accordingly, from three angles of constructing diversified rural financial institution system, perfecting the financial environment of moderate competition and improving the ability of the institution to carry out moderate competition, the paper puts forward countermeasures and suggestions respectively. In order to achieve the goal of promoting appropriate competition of rural financial institutions in Heilongjiang Province.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
本文编号：2288155
[Abstract]:China is a traditional agricultural country. As the core of rural economic supply, rural financial institutions have provided important support for the development of rural reform and achieved good results. Under the continuous policy control of the government, at the present stage, our country is forming a multi-level, broad-coverage and moderately competitive rural financial service system. The policy-oriented, commercial and cooperative financial institutions complement each other and advance hand in hand. Outstanding contributions have been made in increasing the accessibility and accessibility of rural financial services. The 2014 China Rural Financial Services report notes that in the next process of improving rural financial services, We should continue to give strong policy support, proceed from speeding up agricultural modernization and changing the mode of agricultural development, develop ways that conform to the realities of rural areas and meet the needs of farmers, and strengthen innovative reform efforts. Based on the development of inclusive finance and the improvement of the system of rural financial institutions, the reform of rural financial institutions has been comprehensively deepened. The rural financial institutions in Heilongjiang Province show a new development. The system of moderately competitive rural financial institutions is the historical logic of rural financial development and institutional changes, so it is particularly important to explore whether rural financial institutions in Heilongjiang Province can meet the requirements of moderate competition. Based on the rural financial institutions in Heilongjiang Province, combined with the relevant theoretical basis and model, with the SCP model as the main, HHI index, CRn index as a supplement, this paper constructs an index system to evaluate the moderate competition status of rural financial institutions in Heilongjiang Province. Based on the analysis of the current situation of moderate competition among rural financial institutions in Heilongjiang Province, it is concluded that the market concentration and monopoly degree of rural financial institutions in Heilongjiang Province are still relatively high, but there is a downward trend. It shows that the degree of competition has been improved to a certain extent, and the diversified structure of rural financial market has been formed, and the transition to the construction of moderately competitive rural financial system has gradually taken place. Then combining with the actual situation of Heilongjiang Province, the paper finds out the factors that affect the moderate competition of the rural financial institutions in Heilongjiang Province, and uses AHP to analyze the financial system, the management level, the management model, and the objective conditions, which are subdivided into eight indicators. The author draws the conclusion that macro-policy has the most influence on moderate competition and explains the importance of government intervention. Accordingly, from three angles of constructing diversified rural financial institution system, perfecting the financial environment of moderate competition and improving the ability of the institution to carry out moderate competition, the paper puts forward countermeasures and suggestions respectively. In order to achieve the goal of promoting appropriate competition of rural financial institutions in Heilongjiang Province.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
【参考文献】
相关期刊论文 前10条
1 张萍;沈晓婷;;农村金融生态体系的构建与评价——以浙江省为例[J];农业经济问题;2015年12期
2 苗苗;李长健;;现实机理、适度竞争与农村金融监管[J];改革;2015年07期
3 速韬;;构建竞争型农村金融市场初探——基于云南曲靖的实证分析[J];武汉金融;2013年12期
4 周明栋;;农村金融市场竞争与风险研究[J];浙江金融;2013年10期
5 张津;;基于SCP分析模型的我国农村金融市场研究——以中国农业银行为例[J];中国市场;2013年36期
6 孔祖根;叶银龙;;构建适度竞争的农村金融组织体系:目标与路径[J];浙江金融;2013年06期
7 葛阳琴;潘锦云;;农村金融发展困境、制约因素及其对策[J];安庆师范学院学报(社会科学版);2013年01期
8 郭峰;胡金焱;;农村二元金融的共生形式研究:竞争还是合作——基于福利最大化的新视角[J];金融研究;2012年02期
9 黄惠春;褚保金;;我国县域农村金融市场竞争度研究——基于降低市场准入条件下江苏37个县域的经验数据[J];金融研究;2011年08期
10 郭梅亮;徐璋勇;;二重结构与中国金融制度变迁的路径选择:一个新制度经济学的视角[J];西北大学学报(哲学社会科学版);2010年04期
相关硕士学位论文 前1条
1 杨渊博;农村金融机构的风险控制研究[D];西北大学;2014年
，本文编号：2288155
本文链接：https://www.wllwen.com/jingjilunwen/huobiyinxinglunwen/2288155.html
