本文選題：郵政金融　切入點(diǎn)：農(nóng)村金融　出處：《中國農(nóng)業(yè)科學(xué)院》2013年博士論文　論文類型：學(xué)位論文

【摘要】：中國經(jīng)濟(jì)改革開放以來走過了波瀾壯闊的30多年，城市化、工業(yè)化飛速發(fā)展，經(jīng)濟(jì)增長令世界矚目。毫無疑問，未來30年的國家經(jīng)濟(jì)發(fā)展重點(diǎn)在廣袤的農(nóng)村地區(qū)，在于讓改革的紅利惠及廣大農(nóng)村居民。金融是現(xiàn)代經(jīng)濟(jì)的血液，“貧血”一直以來都是制約我國農(nóng)村經(jīng)濟(jì)發(fā)展的桎梏，，在改革攻堅(jiān)期，如何利用金融杠桿撬動(dòng)農(nóng)村經(jīng)濟(jì)發(fā)展，糾正城鄉(xiāng)失衡，確保經(jīng)濟(jì)社會(huì)長期穩(wěn)定可持續(xù)發(fā)展，日益成為政府、學(xué)者、金融機(jī)構(gòu)等各方關(guān)注的焦點(diǎn)。 郵政金融擁有覆蓋全國最多最廣最全的服務(wù)網(wǎng)絡(luò)，2007年成立郵政儲(chǔ)蓄銀行專業(yè)化運(yùn)營以來，成為加入農(nóng)村金融的又一只生力軍。本文重點(diǎn)圍繞郵政金融如何發(fā)揮自身品牌、網(wǎng)絡(luò)、資源等優(yōu)勢，通過資源整合和技術(shù)創(chuàng)新，更好的服務(wù)“三農(nóng)”而展開。通過在全國7個(gè)省份的實(shí)地調(diào)研，了解農(nóng)村金融的現(xiàn)狀、存在問題以及農(nóng)戶的金融需求和信用狀況，運(yùn)用Logit模型總結(jié)、分析了農(nóng)村金融中廣泛存在的8種信貸配給類型及其成因、影響因素。本文研究表明，當(dāng)下我國農(nóng)村金融發(fā)展正值困境當(dāng)中：傳統(tǒng)在位金融機(jī)構(gòu)面對(duì)農(nóng)村市場時(shí)，因循守舊過分依賴抵押信貸技術(shù)，片面夸大風(fēng)險(xiǎn)固步自封，畏首畏尾不能有效利用資源，不思進(jìn)取、創(chuàng)新乏力；由于普遍缺乏抵押物，處于弱勢地位的農(nóng)戶金融需求長期以來往往都得不到有效滿足，由此導(dǎo)致了嚴(yán)重的供給方和需求方雙重信貸配給，農(nóng)村經(jīng)濟(jì)缺少資金支持只能維持落后、低效率的生產(chǎn)方式。 然而，我國農(nóng)村金融的信息不對(duì)稱只是相對(duì)的，在社區(qū)內(nèi)部信息是充分的、低成本流動(dòng)，農(nóng)戶在世代重復(fù)博弈下形成了誠實(shí)守信的傳統(tǒng)，只是傳統(tǒng)金融機(jī)構(gòu)未能有效發(fā)掘和利用這些信息和要素。中國郵政不是一家單純的金融企業(yè)，在金融業(yè)務(wù)之外的郵政分銷業(yè)務(wù)擁有24萬處直接深入到行政村的渠道末端，經(jīng)過10年以上的運(yùn)營已經(jīng)成為了農(nóng)村社區(qū)的一部分，作為“內(nèi)部人”可以低成本、高效率的獲取信息和監(jiān)督執(zhí)行，通過郵政金融和分銷業(yè)務(wù)聯(lián)動(dòng)，引導(dǎo)社會(huì)信息要素參與生產(chǎn)和分配，為郵政農(nóng)村金融創(chuàng)新提供了契機(jī)。本文通過在農(nóng)戶和金融機(jī)構(gòu)之間引入具有信息優(yōu)勢的代理人緩解雙方之間的信息不對(duì)稱，充分發(fā)揮農(nóng)村社會(huì)內(nèi)部信用和懲罰機(jī)制的作用緩解抵押物不足的問題，通過代理制的合同約束和經(jīng)濟(jì)利益驅(qū)動(dòng)的雙重作用，確保設(shè)計(jì)機(jī)制順利運(yùn)行。 破解農(nóng)村金融困境還需要政府的支持：加大農(nóng)村金融生態(tài)環(huán)境建設(shè)，營造誠實(shí)守信的氛圍；加大財(cái)政、貨幣政策在金融創(chuàng)新方面的引導(dǎo)和支持；推進(jìn)農(nóng)業(yè)保險(xiǎn)，建立風(fēng)險(xiǎn)分擔(dān)機(jī)制；完善農(nóng)地制度建設(shè)，促進(jìn)農(nóng)戶財(cái)產(chǎn)資本化。
[Abstract]:Since China's economic reform and opening up, China has been through a magnificent 30 years, urbanization, rapid development of industrialization, economic growth has attracted the attention of the world. There is no doubt that the next 30 years of national economic development focus on the vast rural areas. Finance is the blood of the modern economy, "anemia" has been the shackles restricting the development of our country's rural economy. In the period of reform, how to use financial leverage to leverage the development of rural economy, To correct the imbalance between urban and rural areas and to ensure long-term stable and sustainable economic and social development has increasingly become the focus of attention of the government, scholars, financial institutions and other parties. Postal finance has the most extensive and comprehensive service network in the country. Since the establishment of postal savings bank in 2007, it has become another new force to join the rural finance. This paper focuses on how to bring its own brand into full play. Network, resources and other advantages, through the integration of resources and technological innovation, better services to "agriculture, rural areas" and through field research in seven provinces across the country, to understand the current situation of rural finance, Based on the Logit model, this paper analyzes eight kinds of credit rationing types, their causes and influencing factors, which are widely existed in rural finance. At present, the development of rural finance in our country is in the midst of a dilemma: when the traditional financial institutions in power face the rural market, they rely too much on mortgage credit technology, exaggerate the risks one-sidedly, and are unable to use resources effectively and do not want to make progress. Lack of innovation; because of the general lack of collateral, the financial needs of farmers in a weak position are often not effectively met for a long time, resulting in serious supply-side and demand-side double credit rationing. The lack of financial support in the rural economy can only maintain backward and inefficient production methods. However, the information asymmetry of rural finance in our country is only relative, the information in the community is sufficient, the flow of low cost, the farmers have formed the tradition of honesty and trustworthiness under the repeated game of generations. It is only that traditional financial institutions have not been able to effectively exploit and utilize these information and elements. China Post is not a simple financial enterprise. In addition to its financial business, the postal distribution business has 240000 direct channels to the end of the administrative village. After more than 10 years of operation, has become part of the rural community, as "insiders" can be low-cost, efficient access to information and supervision of implementation, through postal finance and distribution business linkage, Guiding social information elements to participate in production and distribution provides an opportunity for postal rural financial innovation. In this paper, the information asymmetry between farmers and financial institutions is alleviated by introducing agents with information advantages. Giving full play to the role of credit and punishment mechanism in rural society to alleviate the problem of lack of collateral, through the agency system of contract constraints and economic interests driven by the dual role, to ensure the smooth operation of the design mechanism. Government support is needed to solve the financial difficulties in rural areas: to strengthen the construction of rural financial ecological environment and create an atmosphere of honesty and trustworthiness; to increase the guidance and support of fiscal and monetary policies in financial innovation; and to promote agricultural insurance. Establish a risk-sharing mechanism, improve the agricultural land system, and promote the capitalization of farmers' property.
【學(xué)位授予單位】：中國農(nóng)業(yè)科學(xué)院
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 楊子硯;劉啟明;;國外農(nóng)業(yè)金融機(jī)構(gòu)的發(fā)展與啟示[J];安徽農(nóng)業(yè)大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2008年06期

2 周鵬;;我國農(nóng)村微型企業(yè)發(fā)展研究[J];安徽農(nóng)業(yè)科學(xué);2011年30期

3 錢楓林;曹燦;浦徐進(jìn);;約束理論視角下農(nóng)村金融問題的探討[J];安徽農(nóng)業(yè)科學(xué);2011年31期

4 張正平;王麥秀;;基于SCP范式的我國農(nóng)村金融市場研究——以中國郵政儲(chǔ)蓄銀行為例[J];北京工商大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2011年02期

5 陳玲;;農(nóng)戶聯(lián)保貸款模式中影響還款因素的博弈分析——兼議對(duì)郵儲(chǔ)銀行的意義[J];北京郵電大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2008年02期

6 李曉偉;曹衛(wèi)群;;信用形式與企業(yè)融資方式[J];商業(yè)研究;2006年19期

7 陳敏;王冠宇;;農(nóng)村金融供給:基于需求視域下的分析[J];商業(yè)研究;2009年08期

8 張揚(yáng);;從孟加拉國小額信貸成功模式解析我國小額信貸的困境[J];商業(yè)研究;2009年09期

9 游江;范梁;;農(nóng)村金融競爭程度與農(nóng)村金融機(jī)構(gòu)的發(fā)展——基于縣域金融調(diào)查樣本[J];財(cái)經(jīng)科學(xué);2010年04期

10 馬九杰;;“只貸不存”融資疏導(dǎo)與資金融通效應(yīng)[J];銀行家;2006年08期

本文編號(hào)：1647173