莱芜市农村支付服务环境建设研究

发布时间：2018-06-15 13:35

本文选题：农村地区 + 支付服务环境　；参考：《山东大学》2016年硕士论文

【摘要】：“三农”工作历来是党和国家工作的重心,做好“三农”工作,建设社会主义新农村离不开农村金融的有效服务和功能支持,而农村支付体系承载的金融服务功能则是农村金融服务得以实现的基础和保障。经过多年的建设,我国已形成高效、便捷、安全的支付服务体系,为加快社会资金周转、促进经济发展发挥了重要作用。但是由于中国经济发展不均衡,城乡金融资源配置存在较大差距,当前的农村支付服务环境不能适应社会主义新农村建设的要求,还需要进一步的优化和完善。本文以山东省莱芜市为视角,通过采用文献法、调查问卷法、实地调研法、统计法、定量分析与定性分析结合法等研究方法,对该市农村支付服务环境建设现状进行研究,结果发现,虽然当前莱芜市农村支付服务环境建设实现“100%银行业金融机构参与农村支付服务环境建设”、“金融基础设施100%覆盖行政村”、“助农取款服务点100%覆盖行政村”、“手机支付业务100%覆盖行政村”4个100%目标,但仍存在着一些突出问题,具体包括：第一,银行机构投入与产出不匹配、内生动力不足,亟需政府引导和政策、资金支持。第二,农民对支付工具的认知匮乏,支付工具“适农性”不强。第三,农村地区支付服务需求差异大,支付基础设施供求矛盾突出,支付服务结构不均衡。第四,支付宣传活动有效性不足、力度不够,对提升农民支付结算意识起到的作用有限。第五,农民风险防范意识薄弱,银行机构对农村地区的风险管理措施缺乏,支付风险防控难度大。针对上述问题,结论是必须从以下方面对莱芜市农村支付服务环境建设发展路径提出建议：第一,必须建立健全“政府主导、央行牵头、银行承办,多方联动”的长效工作机制,形成整体工作合力。第二,必须建立对涉农银行机构的利益补偿及其配套的管理机制,提高其持续改善农村支付服务环境的积极性。第三,提高所推广支付工具的“适农性”,并根据不同农村地区对支付服务的需求差异,提供差异化支付结算服务。第四,建立常态化、规范化的支付服务长效宣传机制,确保支付宣传不走过场、取得实效,提高农民对于非现金支付工具的认可度。第五,加大对农村地区支付服务风险的防控力度,及时发现并消除各类风险隐患。只有这样,才能从根本改善农村支付服务环境,拓宽农民支付结算渠道,对于满足农村地区日益多元化的支付结算需求,降低农民的现金偏好依赖以及便利农民生产和生活都有十分重要的意义。
[Abstract]:The work of "agriculture, countryside and farmers" has always been the focus of the work of the Party and the country. To do a good job in the work of "agriculture, countryside and farmers" and to build a new socialist countryside can not be separated from the effective service and functional support of rural finance. The financial service function of rural payment system is the foundation and guarantee of rural financial service. After years of construction, China has formed an efficient, convenient and safe payment service system, which has played an important role in speeding up social capital turnover and promoting economic development. However, due to the imbalance of China's economic development and the large gap in the allocation of financial resources between urban and rural areas, the current rural payment service environment cannot meet the requirements of the construction of a new socialist countryside and needs further optimization and improvement. From the perspective of Laiwu City, Shandong Province, this paper studies the present situation of rural payment service environment construction in Laiwu City, Shandong Province, through the methods of literature, questionnaire, field investigation, statistics, quantitative analysis and qualitative analysis. The results show that, although the current construction of rural payment service environment in Laiwu has realized that "100% of banking financial institutions participate in rural payment service environment construction" and "100% of financial infrastructure facilities cover administrative villages", "100% of the agricultural withdrawal service points cover the administrative villages," and "100% of the mobile phone payment services cover the administrative villages." but there are still some outstanding problems. First, the investment and output of the banking institutions do not match, and the endogenous power is insufficient. In urgent need of government guidance and policy, financial support. Second, farmers lack of understanding of payment tools, payment tools "suitable for agriculture" is not strong. Third, the demand for payment services in rural areas is different, the contradiction between supply and demand of payment infrastructure is prominent, and the structure of payment services is unbalanced. Fourth, the effectiveness of payment publicity activities is insufficient, the role of raising farmers' awareness of payment and settlement is limited. Fifth, farmers' awareness of risk prevention is weak, banking institutions lack of risk management measures in rural areas, payment risk prevention and control is difficult. In view of the above problems, the conclusion is that it is necessary to put forward some suggestions on the construction of rural payment service environment in Laiwu from the following aspects: first, it is necessary to establish and improve "government leading, central bank leading, bank undertaking," Multi-party linkage "long-acting working mechanism, forming the overall working force." Secondly, it is necessary to establish the interest compensation and its supporting management mechanism to improve the rural payment service environment. Third, we should improve the "agriculturality" of the means of payment, and provide differentiated payment and settlement services according to the different demand for payment services in different rural areas. Fourth, to establish a regular, standardized payment service long-term publicity mechanism to ensure that payment publicity does not go through the stage, achieve practical results, improve farmers' recognition of non-cash payment tools. Fifth, strengthen the prevention and control of the risk of payment services in rural areas, and promptly detect and eliminate all kinds of hidden risks. Only in this way, can we fundamentally improve the rural payment service environment, widen the channels for farmers' payment and settlement, and meet the increasingly diversified demand for payment and settlement in rural areas. It is very important to reduce farmers' dependence on cash preference and to facilitate farmers' production and living.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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