本文選題：農(nóng)村金融　切入點(diǎn)：供需現(xiàn)狀　出處：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：2004年至2013年,中央一號(hào)文件連續(xù)十年聚焦“三農(nóng)”問(wèn)題,可以看出國(guó)家“大力發(fā)展農(nóng)業(yè)、增加農(nóng)民收入”的主題貫徹始終,我國(guó)農(nóng)業(yè)發(fā)展迅猛。與此同時(shí),農(nóng)業(yè)基礎(chǔ)薄弱所導(dǎo)致的農(nóng)民自我積累、自我發(fā)展能力較差,農(nóng)業(yè)生產(chǎn)企業(yè)和農(nóng)民投入不足,銀行、財(cái)政的扶持有限,資金有效供給不足等問(wèn)題都成為我國(guó)現(xiàn)代農(nóng)業(yè)發(fā)展的關(guān)鍵制約因素。因此,目前農(nóng)村地區(qū)金融資源配置不平衡、體系不完善、功能不完備、基礎(chǔ)設(shè)施不配套、扶持政策不到位等問(wèn)題的解決,有賴(lài)于合理有效的農(nóng)村金融供給體系的建立和可持續(xù)發(fā)展的農(nóng)村金融環(huán)境的構(gòu)建。這是我國(guó)農(nóng)村經(jīng)濟(jì)發(fā)展乃至整個(gè)新農(nóng)村建設(shè)不可或缺的重要環(huán)節(jié)。加快農(nóng)村金融體制的改革與創(chuàng)新,極大地影響我國(guó)農(nóng)村經(jīng)濟(jì)社會(huì)的和諧發(fā)展。 本論文在多方收集資料和數(shù)據(jù)的基礎(chǔ)上,分析我國(guó)農(nóng)村金融的需求特征和供給現(xiàn)狀,尤其是深度分析了金融供給存在的問(wèn)題。作者發(fā)現(xiàn)的主要問(wèn)題是：農(nóng)村金融供給體系不完善,金融機(jī)構(gòu)功能定位不明確,農(nóng)村金融服務(wù)功能整體弱化以及農(nóng)村金融良性發(fā)展環(huán)境缺失等。具體的表現(xiàn)為：農(nóng)村金融機(jī)構(gòu)數(shù)量和業(yè)務(wù)在縣以下行政區(qū)劃快速萎縮；城鄉(xiāng)差距越拉越大,農(nóng)村資金向城市逆向流動(dòng)；農(nóng)村金融服務(wù)整體滿(mǎn)足不了“三農(nóng)”要求。本論文通過(guò)對(duì)歐美發(fā)達(dá)國(guó)家、亞洲發(fā)展中國(guó)家以及國(guó)內(nèi)部分城市農(nóng)村金融制度的比較研究,在綜合已有研究成果的基礎(chǔ)上,提出了保障我國(guó)農(nóng)村金融合理有效供給的對(duì)策,包括建立層次多樣、覆蓋廣泛、可持續(xù)的農(nóng)村金融體系,推進(jìn)創(chuàng)新,加強(qiáng)扶持和溝通協(xié)調(diào),從而構(gòu)建積極有效、協(xié)調(diào)配套的長(zhǎng)效供給機(jī)制。
[Abstract]:From 2004 to 2013, the first document of the Central Committee focused on the issue of "agriculture, countryside and farmers" for ten consecutive years. It can be seen that the national theme of "vigorously developing agriculture and increasing farmers' income" has been throughout, and China's agriculture has developed rapidly. At the same time, As a result of the weak agricultural foundation, farmers' self-accumulation and self-development ability are poor, agricultural production enterprises and farmers are inadequately invested, and bank and financial support is limited. The lack of effective supply of funds has become the key restricting factor for the development of modern agriculture in our country. Therefore, at present, the allocation of financial resources in rural areas is not balanced, the system is not perfect, the function is not complete, and the infrastructure is not complete. Solutions to problems such as inadequate support policies, It depends on the establishment of a reasonable and effective rural financial supply system and the construction of a sustainable rural financial environment, which is an indispensable and important link in the development of rural economy and even in the construction of the whole new countryside. The reform and innovation of the financial system, It greatly affects the harmonious development of rural economy and society in our country. On the basis of collecting data and data, this paper analyzes the demand characteristics and supply status of rural finance in China. The main problems found by the author are: the rural financial supply system is not perfect, the function of financial institutions is not clear, The overall weakening of rural financial services and the absence of a sound environment for the development of rural finance. The specific manifestations are: the number of rural financial institutions and business in the administrative divisions below the county rapidly shrink; the gap between urban and rural areas is widening. Rural financial services can not meet the requirements of "agriculture, countryside and farmers". This paper makes a comparative study on the financial systems of developed countries in Europe and America, developing countries in Asia and some cities in China. On the basis of synthesizing the existing research results, this paper puts forward some countermeasures to ensure the rational and effective supply of rural finance in China, including the establishment of a rural financial system with diverse levels, wide coverage and sustainable development, the promotion of innovation, the strengthening of support and communication and coordination. In order to build a positive and effective, coordinated long-term supply mechanism.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.35

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