【摘要】：金融是國(guó)家社會(huì)主義建設(shè)的重要內(nèi)容,也是進(jìn)行社會(huì)建設(shè)的經(jīng)濟(jì)基礎(chǔ)與支撐,農(nóng)村金融作為金融一個(gè)分支,也發(fā)揮著對(duì)社會(huì)建設(shè)的重要作用,然而更為特殊的是,農(nóng)村金融有著服務(wù)“三農(nóng)”的目標(biāo)和功能,也因其與“三農(nóng)”有著天然的聯(lián)系,面臨著許多困境,具有脆弱性。在全面深化改革的市場(chǎng)經(jīng)濟(jì)時(shí)代,金融也在不斷改革,中央各項(xiàng)支農(nóng)文件和政策也在不斷向農(nóng)村經(jīng)濟(jì)的發(fā)展傾斜,農(nóng)村金融有利好趨向,農(nóng)村金融打破困境,實(shí)現(xiàn)循環(huán)可持續(xù)發(fā)展既是農(nóng)村經(jīng)濟(jì)發(fā)展的必然要求,也是農(nóng)村金融發(fā)展的面臨的必然選擇和方向。農(nóng)村金融在市場(chǎng)運(yùn)行中,發(fā)揮主要作用的是農(nóng)村政策性金融機(jī)構(gòu)和農(nóng)村商業(yè)性金融機(jī)構(gòu),因其不同的特點(diǎn)和功能,二者在運(yùn)行中存在著不同的問(wèn)題,因此,要從問(wèn)題出發(fā),尋找有針對(duì)性的不同解決機(jī)制。本文旨在以生態(tài)金融為視角,將生態(tài)金融的理念和特點(diǎn)賦予農(nóng)村金融運(yùn)行中,為最終實(shí)現(xiàn)農(nóng)村金融的生態(tài)化、可持續(xù)、循環(huán)運(yùn)作探尋法律對(duì)策。農(nóng)村金融生態(tài)包含法制、農(nóng)村信用體系、貸款人等諸多方面的平衡、協(xié)調(diào),是諸多因素的有機(jī)統(tǒng)一,但本文僅圍繞法律因素,解決農(nóng)村金融運(yùn)行中的不和諧,不可循環(huán)問(wèn)題。本文通過(guò)收集農(nóng)村政策性金融機(jī)構(gòu)和農(nóng)村商業(yè)性金融機(jī)構(gòu)存、貸款數(shù)額,資金來(lái)源,各項(xiàng)貸款去向和數(shù)額等資料,在分析此運(yùn)行現(xiàn)狀的基礎(chǔ)上找到農(nóng)村政策性金融存在資金來(lái)源不合理以及資金供給不合理的問(wèn)題;然后分析了村鎮(zhèn)銀行有存、貸款業(yè)務(wù)不協(xié)調(diào)和資金流失嚴(yán)重的問(wèn)題;再者,根據(jù)這些不同的問(wèn)題,提出了相應(yīng)的完善農(nóng)村政策性金融機(jī)構(gòu)的法律對(duì)策和農(nóng)村商業(yè)性金融機(jī)構(gòu)的傾斜性法律對(duì)策,以期能最終有助于農(nóng)村金融的可持續(xù)發(fā)展,真正發(fā)揮農(nóng)村金融的“支農(nóng)助農(nóng)”的作用和使命。
[Abstract]:Finance is the important content of national socialist construction, and also the economic base and support of social construction. As a branch of finance, rural finance also plays an important role in social construction. Rural finance has the goal and function of serving agriculture, rural areas and farmers, and also faces many difficulties and vulnerabilities because of its natural relationship with agriculture, rural areas and farmers. In the era of market economy with comprehensive deepening of reform, the financial sector is also constantly reforming, and various supporting agricultural documents and policies of the central authorities are also constantly tilting towards the development of the rural economy. Rural finance has a positive trend, and rural finance has broken the predicament. The realization of circular sustainable development is not only the inevitable requirement of rural economic development, but also the inevitable choice and direction of rural financial development. In the market operation of rural finance, the main function is rural policy-oriented financial institutions and rural commercial financial institutions. Because of their different characteristics and functions, there are different problems in the operation of rural finance. Look for different solutions. The purpose of this paper is to endow the concept and characteristics of ecological finance with the operation of rural finance from the perspective of ecological finance, and to explore legal countermeasures for the ultimate realization of ecological, sustainable and circular operation of rural finance. Rural financial ecology includes the balance and coordination of legal system, rural credit system, lender and so on, which is the organic unity of many factors, but this paper only revolves around the legal factors to solve the problems of disharmony and non-circulation in the operation of rural finance. This paper collects the data of rural policy-oriented financial institutions and rural commercial financial institutions, such as deposit, loan amount, source of funds, destination and amount of various loans, etc. On the basis of analyzing the current situation of operation, we find out that the rural policy-oriented finance has some problems, such as the unreasonable source of funds and the unreasonable supply of funds; then, it analyzes the problems of the existence of savings in rural banks, the disharmony of loan business and the serious loss of funds. According to these different problems, this paper puts forward the corresponding legal countermeasures to perfect the rural policy-oriented financial institutions and the preferential legal countermeasures of the rural commercial financial institutions, in the hope that it can ultimately contribute to the sustainable development of rural finance. Give full play to the role and mission of rural finance "supporting agriculture and helping agriculture".
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：D922.28

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本文編號(hào)：2263530