新时期延边金融环境问题研究

发布时间：2018-04-11 17:17

本文选题：新时期 + 延边　；参考：《延边大学》2014年硕士论文

【摘要】：金融环境对区域经济的发展具有重要的影响。党的十八大报告指出,深化金融体制改革,健全促进宏观经济稳定、支持实体经济发展的现代金融体系,提高银行、证券、保险等行业竞争力,维护金融稳定,是国家经济体制改革的重中之重。在党的十八届三中全会的大背景下,如何充分发挥金融在配置生产资源、推动经济发展方面的基础性作用,促进经济金融全面、协调、可持续发展,是必须深入关注的问题。近年来,国家、省、州从各层面对延边金融政策不断进行完善,也使得延边金融业有了长足发展,初步形成了较为完善的金融体系。政策性金融、商业性金融和农村合作金融并存,银行、证券、保险等金融机构共同发展。延边现有州级银行金融机构11家,成功组建延边农村商业银行,成立38家小额贷款公司,开展跨境人民币结算,引进了吉林银行、民生银行、光大银行等域外银行；21家保险公司在延边设立了分支机构；5家证券公司在辖内设立了营业部,这些金融部门对延边经济发展起到了重要的推动作用。本文在对延边经济、金融发展状况进行历史性研究的基础上,运用马克思主义基本理论、观点和方法,结合党的方针和政策,对近年来延边经济金融环境中存在的问题和原因进行了深入分析,认为延边金融环境发展中存在的主要问题有延边经济发展缺乏后劲；金融服务水平和能力低下；延边社会整体信用环境不佳；金融机构自身管理与改革等几个方面。其原因更是主客观多方面的,诸如延边相关部门的重视不够；金融法制建设还不完善,落实不到位；公民金融理财、信用意识淡薄：企业制度不健全等等。本文对完善延边金融环境拟提出若干建设性意见和建议：加大经济建设力度,夯实金融发展基础；优化金融资源配置,创新金融产品和服务支持；建立长效信用机制,优化金融生态环境；强化金融政策落实,加大金融机构改革力度等。以此来促进延边经济持续快速健康发展。
[Abstract]:Has an important influence on the regional economic development and financial environment. The eighteen Party Congress report pointed out, deepening the reform of the financial system, and improve the stability of the economy, the modern financial system, to support the real economy development to enhance the bank, securities, insurance and other industries competitiveness, maintaining financial stability, is the priority among priorities of national economic system reform. In the background of the party in the third Plenary Session of the 18th CPC Central Committee, how to give full play to finance in the allocation of production resources, the basic role of promoting economic development, promote economic and financial comprehensive, coordinated and sustainable development, must be deeply concerned.
In recent years, the state, province, state from various aspects of Yanbian's financial policies continue to improve, but also makes the Yanbian financial industry has made considerable progress, initially formed a relatively perfect financial system. Policy finance, commercial finance and rural cooperative finance coexist, bank, securities, insurance and other financial institutions in Yanbian existing common development. State bank financial institutions 11, the successful formation of Yanbian rural commercial bank, the establishment of 38 small loan companies, to carry out cross-border RMB settlement, the introduction of the Jilin bank, Minsheng Bank, China Everbright Bank and other foreign banks; 21 insurance companies set up branches in Yanbian; 5 Securities Companies set up in the business department of jurisdiction, these financial the Department has played an important role in promoting economic development in Yanbian.
In this paper, based on the economy of Yanbian, the historical research situation of financial development, using the basic theory of the Marx doctrine, viewpoint and method, combined with the party's principles and policies, the problems and causes in Yanbian in recent years, economic and financial environment were analyzed, that the main problems in the development of a financial environment in Yanbian Yanbian economic development level is low and lack of stamina; the ability of financial services in Yanbian; the overall social credit environment is poor; several financial institutions in their own management and other aspects of the reform. The reason is the subjective and objective aspects, such as Yanbian, the relevant departments of the attention is not enough; the financial legal system is not perfect, the implementation is not in place; citizens financial. The credit consciousness: the enterprise system is not perfect and so on. This paper to improve the financial environment in Yanbian intends to put forward some constructive opinions and suggestions: increase the intensity of economic construction And lay a solid foundation for financial development; optimize the allocation of financial resources, the innovation of financial products and services support; the establishment of long-term credit mechanism, optimize the financial ecological environment; strengthening the financial policy implementation, strengthen the reform of financial institutions. In order to promote sustained rapid and healthy economic development in Yanbian.

【学位授予单位】：延边大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7

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