本文選題：新型農村金融組織 + 村鎮(zhèn)銀行�。� 參考：《湖南農業(yè)大學》2013年碩士論文

【摘要】：農村金融是現代農村經濟發(fā)展的核心,也是農村改革和城鎮(zhèn)化進程的可靠性保障。但當前,現行的農村金融體系難以完全滿足廣大農戶的資金需求,從宏觀層面上來說,正規(guī)的金融體系已逐漸遠離農村市場,經營趨于以利潤為導向；微觀層面則主要表現為村鎮(zhèn)銀行、小額貸款公司、農村資金互助社的發(fā)展舉步維艱,其規(guī)模、結構、效率得不到有效的提升。實踐證明,農村金融改革最重要的就是要制造一個很好的毛細血管系統(tǒng),使之能夠有效地在基層提供金融服務。2006年12月銀監(jiān)會發(fā)布了《關于調整放寬農村地區(qū)銀行業(yè)金融機構準入政策以更好支持社會主義新農村建設的若干意見》,此后央行和銀監(jiān)會多次發(fā)布各種指導性意見,鼓勵新型金融組織進入農村,為構筑普惠型金融體系打下堅實基礎。作為農業(yè)大省的湖南也得到了積極響應,但新型農村金融組織在其迅速發(fā)展的過程中存在著資金短缺、利率定價能力不足、信貸風險大、政府扶持力度不夠、從業(yè)人員素質低、缺乏可持續(xù)性等因素的制約,因此本文將在對湖南省新型農村金融組織的發(fā)展現狀及問題進行深入的剖析的基礎上,再結合具體的案例,從而確立湖南新型農村金融組織未來的發(fā)展思路,并為其可持續(xù)發(fā)展給出具體對策。
[Abstract]:Rural finance is the core of modern rural economic development and the reliability guarantee of rural reform and urbanization. But at present, the current rural financial system is difficult to fully meet the capital needs of the majority of farmers, from the macro level, the formal financial system has been gradually away from the rural market, tend to be profit-oriented; At the micro level, the development of village banks, small loan companies and rural mutual aid societies is difficult, and its scale, structure and efficiency can not be effectively promoted. Practice has proved that the most important thing in rural financial reform is to create a good capillary system. In December 2006, the CBRC issued several opinions on the Adjustment and relaxation of the admission Policy of Banking institutions in Rural areas to better support the Construction of a New Socialist Countryside. The Central Bank and the Banking Regulatory Commission have issued various guidance opinions many times. Encourage new financial organizations to enter rural areas and lay a solid foundation for building inclusive financial systems. Hunan, as a big agricultural province, has also received a positive response. However, in the process of its rapid development, there is a shortage of funds, insufficient interest rate pricing ability, large credit risk, insufficient government support, and low quality of employees. Lack of sustainability and other factors, so this paper will be on the basis of in-depth analysis of the development of new rural financial organizations in Hunan Province and problems, and combined with specific cases, In order to establish the development of Hunan new rural financial organization in the future, and give specific countermeasures for its sustainable development.
【學位授予單位】：湖南農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35

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本文編號：1918202