本文選題：農(nóng)村金融　切入點(diǎn)：新型農(nóng)村金融組織　出處：《哈爾濱商業(yè)大學(xué)》2013年碩士論文

【摘要】：金融業(yè)是國民經(jīng)濟(jì)的血脈,農(nóng)村金融又是金融業(yè)的重中之重,而新型農(nóng)村金融組織如村鎮(zhèn)銀行、貸款公司以及農(nóng)村資金互助社又是農(nóng)村金融發(fā)展的核心,他們選擇何種模式發(fā)展進(jìn)而提出有效可行的惠普性的農(nóng)村金融服務(wù)體系一直困擾著對農(nóng)村經(jīng)濟(jì)發(fā)展進(jìn)行研究的學(xué)者們。 雖然我國農(nóng)村金融組織體系幾經(jīng)變遷,但是很多問題仍然沒有得到有效的解決。同時(shí),由于農(nóng)村金融需求的不斷擴(kuò)大,正規(guī)的農(nóng)村金融組織所提供的服務(wù)有限、發(fā)展結(jié)構(gòu)還不夠完善等特點(diǎn),就導(dǎo)致農(nóng)村金融主體的需求得不到來自于正規(guī)農(nóng)村金融組織的滿足,所以,新型農(nóng)村金融組織的出現(xiàn)就彌補(bǔ)了因現(xiàn)有正規(guī)農(nóng)村金融組織提供服務(wù)的不足的而導(dǎo)致的缺陷。因此,怎樣建立一個(gè)高效健康有序的的新型農(nóng)村金融組織體系,是農(nóng)村金融未來更好的發(fā)展所首要解決的難題。 論文通過介紹國內(nèi)外研究背景,引出我國在農(nóng)村金融發(fā)展中所要解決的問題。首先,論文介紹了我國新型農(nóng)村金融機(jī)構(gòu)的發(fā)展現(xiàn)狀及制約因素,主要從兩個(gè)方面入手即：發(fā)展概況和運(yùn)行效率兩個(gè)方面,同時(shí)也分析了制約我國新型農(nóng)村金融組織發(fā)展的影響因素。其次,通過分析目前我國農(nóng)村地區(qū)的基本發(fā)展情況,將農(nóng)村地區(qū)的金融需求分門別類,一方面按需求主體劃分,這里我們利用了物理學(xué)中的”信息熵“的理論來進(jìn)行分析,從而得出對農(nóng)戶信貸需求的影響因素；另一方面按照需求渠道分類,通過分析,得出目前我國的有效需求狀況,明確目標(biāo)主體,進(jìn)而總結(jié)出我國目前農(nóng)村金融需求發(fā)展的三大特征。最后,論文在內(nèi)生經(jīng)濟(jì)增長理論的基礎(chǔ)上,對我國新型農(nóng)村金融組織發(fā)展水平與農(nóng)村金融需求增長之間的關(guān)系進(jìn)行了檢驗(yàn),從而得出新型農(nóng)村金融組織對未來農(nóng)村地區(qū)經(jīng)濟(jì)發(fā)展的影響程度。論文最后在分析農(nóng)村金融需求的背景下,提出相關(guān)對策建議,以達(dá)到促進(jìn)我國新型農(nóng)村金融組織健康有序發(fā)展的目的。
[Abstract]:The financial industry is the lifeblood of national economy, the rural finance is the priority among priorities of the financial industry, and new rural financial organizations such as village banks, loan companies and rural mutual cooperatives is the core of rural financial development, their choice of mode of development and puts forward the feasible and effective HP of rural financial service system has been plagued by study on the rural economic development of the scholars.
Although several changes of the rural financial organization system in China, but many problems are still not solved. At the same time, the rural financial demand of rural financial organizations, the regular service provided by Co., development structure is not perfect and other characteristics, leads to the subject of rural finance demand is not from the formal rural the financial organizations meet, so, the emergence of new rural financial organization is made up of service due to the existing formal rural financial organization is insufficient due to the defects. Therefore, how to establish an efficient healthy and orderly new rural financial system, rural financial problem is better future development priority.
The paper introduces the domestic and foreign research background, introduce China to solve in the development of rural finance problems. Firstly, the thesis introduces the development status and constraints of China's new rural financial institutions, mainly from two aspects: the two aspects of development and operation efficiency, but also analyzes the factors restricting the the new rural financial organizations in the development of our country. Secondly, through analyzing the current development situation of China's rural areas, the financial needs of rural areas will be arranged on the one hand, divided by the main demand, here we use in physics "information entropy" theory to analyze, thus obtains the influencing factors of the farmer credit demand. On the other hand; according to the demand channel classification, through the analysis, the current effective demand situation, clear objectives, subject, and then summed up China's current rural financial needs Three characteristics and development. Finally, based on the theory of endogenous economic growth, the relationship between China's new rural financial organizations and the development level of rural financial demand growth was tested, so that the impact of new rural financial organizations in rural areas of future economic development. Finally, in the rural financial demand analysis under the background, puts forward countermeasures and suggestions to promote China's new rural financial organizations for the healthy and orderly development.

【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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