本文選題：農(nóng)村金融　切入點(diǎn)：社會(huì)主義新農(nóng)村建設(shè)　出處：《武漢工程大學(xué)》2013年碩士論文

【摘要】：我國(guó)作為農(nóng)業(yè)大國(guó)，農(nóng)業(yè)的發(fā)展對(duì)國(guó)家整體經(jīng)濟(jì)的發(fā)展起著至關(guān)重要的作用，而農(nóng)村金融也是農(nóng)業(yè)發(fā)展關(guān)鍵的環(huán)節(jié)。農(nóng)業(yè)屬弱勢(shì)產(chǎn)業(yè)，有著投資周期長(zhǎng)、風(fēng)險(xiǎn)高、收益比低等不足，這直接導(dǎo)致農(nóng)村金融市場(chǎng)缺乏活躍度，同時(shí)也造成了農(nóng)村金融市場(chǎng)資金供給嚴(yán)重不足。農(nóng)村金融市場(chǎng)發(fā)展的滯后制約著社會(huì)主義新農(nóng)村建設(shè)進(jìn)程的推進(jìn)以及農(nóng)業(yè)的可持續(xù)性發(fā)展。在市場(chǎng)經(jīng)濟(jì)的發(fā)展過(guò)程中，金融決定著經(jīng)濟(jì)發(fā)展的速度和效率，當(dāng)金融的作用受到限制時(shí)，經(jīng)濟(jì)增長(zhǎng)會(huì)面臨資本投資不足和金融資源低效配置等問(wèn)題。社會(huì)主義新農(nóng)村建設(shè)有別于一般意義上得村莊建設(shè)，而是一種全方位綜合性的建設(shè)，它涵蓋了農(nóng)村經(jīng)濟(jì)、政治、文化和社會(huì)等多方面。在我國(guó)建設(shè)社會(huì)主義新農(nóng)村進(jìn)程中，農(nóng)村金融是指所有農(nóng)村儲(chǔ)蓄、接待、融資和減少風(fēng)險(xiǎn)的機(jī)會(huì)以及相關(guān)的準(zhǔn)則和制度，是農(nóng)村經(jīng)濟(jì)增長(zhǎng)與發(fā)展的核心。在社會(huì)主義新農(nóng)村建設(shè)的背景下，，我國(guó)的農(nóng)村金融體制需要改革與創(chuàng)新，這樣才能更好的發(fā)揮農(nóng)村金融的支農(nóng)功能，滿足日益增長(zhǎng)的農(nóng)村金融需求。 本文以農(nóng)村金融以及社會(huì)主義新農(nóng)村建設(shè)的相關(guān)理論為指導(dǎo)，運(yùn)用定性、定量的分析方法展開(kāi)研究，著重探討了我國(guó)農(nóng)村金融體制的發(fā)展現(xiàn)狀與面臨的問(wèn)題，并結(jié)合美國(guó)、德國(guó)、日本三個(gè)典型國(guó)家的農(nóng)村金融體制的發(fā)展經(jīng)驗(yàn)，為我國(guó)社會(huì)主新農(nóng)村建設(shè)背景下的農(nóng)村金融體制改革與創(chuàng)新提出了方法與對(duì)策。本文第二章解釋了農(nóng)村金融的概念和我國(guó)農(nóng)村金融與社會(huì)主義新農(nóng)村建設(shè)的關(guān)系，通過(guò)分析農(nóng)村金融與社會(huì)主義新農(nóng)村建設(shè)的契合點(diǎn)，以此證明社會(huì)主義新農(nóng)村建設(shè)離不開(kāi)農(nóng)村金融的支持。第三章分析了美國(guó)、德國(guó)、日本三個(gè)典型國(guó)家的農(nóng)村金融體制，通過(guò)研究上述國(guó)家農(nóng)村金融發(fā)展的的寶貴經(jīng)驗(yàn)，為我國(guó)農(nóng)村金融體制的發(fā)展提供的有益借鑒。第四章從農(nóng)村金融體系（分為農(nóng)村正式金融組織和農(nóng)村非正式金融組織）和農(nóng)村金融法律制度兩個(gè)方面展開(kāi)分析，其中農(nóng)村正式金融組織以農(nóng)業(yè)銀行、農(nóng)業(yè)發(fā)展銀行、信用合作社為例，農(nóng)村非正式金融組織以民間借貸、合會(huì)、地下錢莊與地下銀行為典型，剖析了農(nóng)村金融體系的發(fā)展現(xiàn)狀。在前文的基礎(chǔ)上，第五章提出從四個(gè)方面對(duì)我國(guó)農(nóng)村金融體制進(jìn)行改革與創(chuàng)新：一是農(nóng)村金融組織制度的創(chuàng)新，分為重構(gòu)農(nóng)村合作金融制度，創(chuàng)新農(nóng)村商業(yè)性金融制度，創(chuàng)新政策金融制度，規(guī)范和引導(dǎo)非正式金融。二是農(nóng)村金融市場(chǎng)制度的創(chuàng)新，分為構(gòu)建進(jìn)退靈活的競(jìng)爭(zhēng)性市場(chǎng)制度，加快利率市場(chǎng)化改革，建立農(nóng)業(yè)保險(xiǎn)市場(chǎng)體系。三是農(nóng)戶融資制度的創(chuàng)新，分為改進(jìn)金融機(jī)構(gòu)對(duì)農(nóng)戶的融資方式和發(fā)展商業(yè)性小額信貸。四是農(nóng)村金融法律制度的創(chuàng)新，分為完善農(nóng)村金融法律體系，以法律形式確認(rèn)農(nóng)村金融多元主體，促進(jìn)有效競(jìng)爭(zhēng)，完善農(nóng)村金融的監(jiān)督與管理。
[Abstract]:As a large agricultural country, the development of agriculture plays a vital role in the overall economic development of the country, and rural finance is also a key link in the development of agriculture. Agriculture is a weak industry with a long investment cycle and high risk. The low return ratio leads directly to the lack of activity in the rural financial markets. At the same time, it also causes a serious shortage of capital supply in the rural financial market. The lagging development of the rural financial market restricts the advancement of the construction process of the new socialist countryside and the sustainable development of agriculture. In the process of the development of the market economy, Finance determines the speed and efficiency of economic development. When the role of finance is limited, economic growth will face the problems of insufficient capital investment and inefficient allocation of financial resources. In the process of building a new socialist countryside in China, rural finance refers to all rural savings and reception. The opportunities for financing and risk reduction, as well as the relevant norms and systems, are the core of rural economic growth and development. In the context of the construction of a new socialist countryside, China's rural financial system needs to be reformed and innovated. Only in this way can the function of supporting agriculture of rural finance be better brought into play and the increasing demand of rural finance be met. Under the guidance of the theories of rural finance and the construction of new socialist countryside, this paper uses the qualitative and quantitative analysis methods to carry out the research, focusing on the current situation and problems of the rural financial system in China, and combining with the United States. The development experience of rural financial system in three typical countries, Germany and Japan, This paper puts forward the methods and countermeasures for the reform and innovation of rural financial system under the background of social construction of new countryside. The second chapter explains the concept of rural finance and the relationship between rural finance and the construction of new socialist countryside. By analyzing the confluence of rural finance and socialist new rural construction, it is proved that the construction of new socialist countryside can not be separated from the support of rural finance. Chapter three analyzes the rural financial systems of three typical countries, the United States, Germany and Japan. By studying the valuable experience of rural financial development in the above-mentioned countries, The fourth chapter analyzes the rural financial system (including rural formal financial organizations and rural informal financial organizations) and the rural financial legal system. Among them, the rural formal financial organizations take the Agricultural Bank, the Agricultural Development Bank, the Credit Union as an example, and the rural informal financial organizations take private lending, association, underground money banks and underground banks as the typical examples. On the basis of the above, the fifth chapter proposes to reform and innovate the rural financial system from four aspects: the first is the innovation of the rural financial organization system, which includes the reconstruction of the rural cooperative financial system. Innovating the rural commercial financial system, innovating the policy financial system, standardizing and guiding the informal finance. Secondly, the innovation of the rural financial market system is divided into constructing the flexible competitive market system, speeding up the reform of interest rate marketization. Establishing the agricultural insurance market system. Third, the innovation of peasant household financing system, which is divided into improving the financing mode of financial institutions to farmers and developing commercial micro-credit. Fourth, the innovation of rural financial legal system is divided into perfecting the rural financial legal system. The multiple subjects of rural finance should be confirmed in the form of law to promote effective competition and to perfect the supervision and management of rural finance.
【學(xué)位授予單位】：武漢工程大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.7

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 劉愛(ài)萍;;關(guān)于商業(yè)銀行內(nèi)部控制與合規(guī)操作問(wèn)題的思考[J];湖北農(nóng)村金融研究;2007年09期

2 劉玲玲;;《中國(guó)農(nóng)村金融發(fā)展研究》調(diào)研報(bào)告綜述[J];甘肅金融;2009年11期

3 尹珊珊;;論我國(guó)農(nóng)村金融組織立法存在的問(wèn)題與完善[J];懷化學(xué)院學(xué)報(bào);2010年10期

4 劉鳳軍,張立輝;商業(yè)銀行內(nèi)部控制初探[J];經(jīng)濟(jì)研究參考;2004年22期

5 李世美;;國(guó)外農(nóng)村金融問(wèn)題研究文獻(xiàn)綜述[J];經(jīng)濟(jì)論壇;2006年07期

6 黃薇;李然;鄭炎成;;基于合會(huì)的農(nóng)村非正規(guī)金融研究[J];經(jīng)濟(jì)研究導(dǎo)刊;2007年03期

7 范靜,孫立城;農(nóng)村金融體制創(chuàng)新的研究[J];吉林農(nóng)業(yè)大學(xué)學(xué)報(bào);2004年05期

8 沈雋;;關(guān)于我國(guó)商業(yè)銀行內(nèi)控制度建設(shè)的思考[J];金融經(jīng)濟(jì);2006年08期

9 朱衛(wèi)華;劉峰;;和諧社會(huì)中農(nóng)村金融制度的構(gòu)建[J];理論觀察;2006年01期

10 林娜;趙軍;;防范農(nóng)村金融中的信用風(fēng)險(xiǎn)[J];理論前沿;2009年24期

本文編號(hào)：1687895