本文選題：新型農(nóng)村金融組織 + 村鎮(zhèn)銀行��； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：1978年改革開放以來,我國(guó)農(nóng)村金融改革總體上進(jìn)展順利,農(nóng)村金融組織迅速發(fā)展。2006年12月銀監(jiān)會(huì)發(fā)布的第90號(hào)文件中對(duì)如何設(shè)立新型農(nóng)村金融組織給出了具體意見。本文將新型農(nóng)村金融組織的發(fā)展作為研究對(duì)象,從理論研究的角度來看,是對(duì)農(nóng)村金融發(fā)展理論的豐富、發(fā)展和對(duì)農(nóng)村金融制度變遷理論的初步探索；從農(nóng)村金融發(fā)展的現(xiàn)實(shí)來看,則是科學(xué)發(fā)展觀在農(nóng)村金融領(lǐng)域的重要實(shí)踐,為緩解農(nóng)村資金供求矛盾、滿足農(nóng)戶和農(nóng)村中小企業(yè)多層次的金融需求、增強(qiáng)農(nóng)村金融市場(chǎng)的競(jìng)爭(zhēng)性提供了新思路,從而更好地促進(jìn)農(nóng)村經(jīng)濟(jì)的發(fā)展。 我國(guó)三十多年農(nóng)村金融改革的實(shí)踐表明,在進(jìn)行存量改革的同時(shí),不能忽視增量改革。增量改革既是中國(guó)整個(gè)經(jīng)濟(jì)轉(zhuǎn)型的重要經(jīng)驗(yàn),也是農(nóng)村金融改革未來必須堅(jiān)持的方向。新型農(nóng)村金融組織正是增量改革的重要載體。全文主要從定性的角度對(duì)新型農(nóng)村金融組織的發(fā)展進(jìn)行了探索性研究,比較分析了村鎮(zhèn)銀行、小額貸款公司、農(nóng)村資金互助社這三類新型農(nóng)村金融組織的共同特征和不同之處,描述了其發(fā)展現(xiàn)狀及發(fā)展過程中面臨的困境,從發(fā)展目標(biāo)、發(fā)展原則、發(fā)展環(huán)境、發(fā)展模式等方面對(duì)新型農(nóng)村金融組織的發(fā)展框架進(jìn)行了設(shè)計(jì),最后通過對(duì)村鎮(zhèn)銀行運(yùn)行效率的實(shí)證分析對(duì)東、中、西部地區(qū)新型農(nóng)村金融組織的發(fā)展作一比較研究,并有針對(duì)性地提出了政策建議。 在邏輯架構(gòu)方面,整篇論文可劃分為六個(gè)部分： 第一部分即引言部分,主要介紹了論文寫作的選題背景、研究意義、分析框架和研究思路、創(chuàng)新點(diǎn)和不足之處。 第二部分即文獻(xiàn)綜述。概述了國(guó)內(nèi)外關(guān)于新型農(nóng)村金融組織發(fā)展的研究動(dòng)態(tài)。其中,對(duì)國(guó)外文獻(xiàn)的綜述從農(nóng)村金融發(fā)展、合作金融組織、小額信貸三方面著手,對(duì)國(guó)內(nèi)相關(guān)文獻(xiàn)則分別以村鎮(zhèn)銀行、小額貸款公司、農(nóng)村資金互助社這三類新型農(nóng)村金融組織為主體進(jìn)行梳理。 第三部分即新型農(nóng)村金融組織發(fā)展的基礎(chǔ)理論。首先界定了核心概念,包括農(nóng)村金融、正規(guī)金融與非正規(guī)金融和新型農(nóng)村金融組織等。繼而對(duì)新型農(nóng)村金融組織從農(nóng)村金融發(fā)展模式理論、農(nóng)業(yè)信貸補(bǔ)貼論、農(nóng)村金融市場(chǎng)論、不完全競(jìng)爭(zhēng)理論、信息不對(duì)稱理論等角度進(jìn)行了理論剖析,為研究我國(guó)新型農(nóng)村金融組織的發(fā)展構(gòu)建了理論分析框架。 第四部分,我國(guó)新型農(nóng)村金融組織發(fā)展概況。首先,概述了我國(guó)農(nóng)村金融三十年改革發(fā)展的歷程,總結(jié)出農(nóng)村金融改革的經(jīng)驗(yàn)教訓(xùn),即在進(jìn)行存量改革的同時(shí),不應(yīng)忽視增量改革,增量改革和存量改革應(yīng)當(dāng)并重；其次,分析了我國(guó)新型農(nóng)村金融組織發(fā)展的必要性,指出發(fā)展新型農(nóng)村金融組織是實(shí)現(xiàn)商業(yè)銀行資金回流農(nóng)村的需要、改善農(nóng)村地區(qū)金融競(jìng)爭(zhēng)狀況的需要、豐富農(nóng)村金融市場(chǎng)上金融產(chǎn)品和服務(wù)的需要；再次,比較研究了三類新型農(nóng)村金融機(jī)構(gòu)的共同特征和不同之處；最后,描述了新型農(nóng)村金融機(jī)構(gòu)的發(fā)展現(xiàn)狀,并指出目前新型農(nóng)村金融組織的發(fā)展所面臨的困境。 第五部分,新型農(nóng)村金融組織發(fā)展的框架設(shè)計(jì)。本文從發(fā)展的目標(biāo)、發(fā)展的原則、發(fā)展的環(huán)境、發(fā)展的模式等方面設(shè)計(jì)了新型農(nóng)村金融組織發(fā)展的框架。指出,新型農(nóng)村金融組織發(fā)展的目標(biāo)是以農(nóng)村金融的增量改革為突破口,以服務(wù)“三農(nóng)”為宗旨,按照多層次、廣覆蓋和可持續(xù)的要求組建新型農(nóng)村金融機(jī)構(gòu),推動(dòng)形成多元化、多層次、競(jìng)爭(zhēng)充分的農(nóng)村金融體系。發(fā)展的原則有效率原則、風(fēng)險(xiǎn)可控原則、可持續(xù)原則、適度創(chuàng)新原則、協(xié)調(diào)性原則等；發(fā)展的環(huán)境包括法律環(huán)境、政策環(huán)境、信用環(huán)境和制度環(huán)境等,并分別闡述了村鎮(zhèn)銀行、小額貸款公司和農(nóng)村資金互助社的發(fā)展模式。 第六部分,實(shí)證分析。本文運(yùn)用數(shù)據(jù)包絡(luò)分析(DEA模型),以村鎮(zhèn)銀行的員工人數(shù)、注冊(cè)資本金為投入指標(biāo),以貸款余額、貸款筆數(shù)為產(chǎn)出指標(biāo),使用DEAP2.1軟件,得出了關(guān)于東、中、西部地區(qū)村鎮(zhèn)銀行運(yùn)行效率的相關(guān)數(shù)據(jù)。通過對(duì)數(shù)據(jù)結(jié)果的分析以及東、中、西部地區(qū)之間的比較,說明三類地區(qū)的村鎮(zhèn)銀行的生產(chǎn)效率、純技術(shù)效率差別不大,西部地區(qū)發(fā)展水平較高,中部地區(qū)次之,東部地區(qū)最低。隨后分析了產(chǎn)生這一結(jié)果的原因。并且,數(shù)據(jù)表明絕大多數(shù)村鎮(zhèn)銀行處于規(guī)模報(bào)酬遞增階段,其發(fā)展?jié)摿薮�。針�?duì)分析結(jié)果,本文提出了拓寬資金來源、加大政策扶持力度、完善配套設(shè)施、加強(qiáng)金融生態(tài)環(huán)境建設(shè)等相關(guān)政策建議。 本文在已有研究的基礎(chǔ)上,努力進(jìn)行了一些創(chuàng)新性的研究。試圖設(shè)計(jì)出新型農(nóng)村金融組織發(fā)展的框架,對(duì)新型農(nóng)村金融機(jī)構(gòu)的發(fā)展目標(biāo)、發(fā)展原則、發(fā)展環(huán)境、發(fā)展模式進(jìn)行探索；通過數(shù)據(jù)包絡(luò)分析比較了東、中、西部地區(qū)村鎮(zhèn)銀行的運(yùn)行效率,試圖發(fā)現(xiàn)東、中、西部地區(qū)新型農(nóng)村金融組織發(fā)展的差異,并分析差異產(chǎn)生的原因,針對(duì)性地提出了相關(guān)政策建議,是本文最大的亮點(diǎn)。 本文的主要觀點(diǎn)有：我國(guó)農(nóng)村金融改革的經(jīng)驗(yàn)教訓(xùn)表明,發(fā)展新型農(nóng)村金融組織十分必要；新型農(nóng)村金融組織的發(fā)展處于起步探索階段,取得了一定成果,但也面臨著諸多困境；我國(guó)中部、西部地區(qū)的新型農(nóng)村金融組織運(yùn)行效率相對(duì)較高,東部地區(qū)相對(duì)較低,這與地方政府的扶持力度、當(dāng)?shù)剞r(nóng)村資金供求的緊張程度等因素有關(guān)；政府應(yīng)當(dāng)采取適當(dāng)措施支持新型農(nóng)村金融組織的發(fā)展。
[Abstract]:Since the reform and opening up in 1978 , China ' s rural financial reform has been progressing smoothly , and the rural financial organizations have developed rapidly . In the paper No . 90 issued by the Banking Regulatory Commission in December 2006 , the author gives specific views on how to set up a new rural financial organization . In this paper , the development of the new rural financial organization is regarded as the research object . From the perspective of the theoretical research , it is a preliminary exploration of the rich , development and the theory of rural financial development .
From the perspective of rural finance development , it is an important practice of the scientific development view in the rural finance field . In order to alleviate the contradiction between the supply and demand of rural funds , meet the multi - level financial needs of the farmers and the small and medium - sized enterprises in the rural areas and enhance the competitiveness of the rural financial markets , the new ideas are provided to better promote the development of the rural economy .

The practice of rural financial reform in more than 30 years shows that incremental reform cannot be neglected at the same time of carrying out the stock reform . The incremental reform is the important carrier of the reform of rural finance . The new rural financial organization is the important carrier of incremental reform .

In terms of logical architecture , the whole thesis can be divided into six parts :

The first part introduces the introduction part , mainly introduces the background , the research significance , the analysis framework and the research thinking , the innovation point and the deficiency of the thesis writing .

In the second part , the article summarizes the research developments of the development of new rural financial organizations at home and abroad , in which the review of foreign literatures starts with the three aspects of rural financial development , cooperative financial organization and microfinance , and the domestic relevant literatures are sorted by the three types of rural financial organizations , namely , the village and town bank , the small loan company and the rural fund mutual aid .

The third part , the basic theory of the development of the new rural financial organization , defines the core concept , including the rural finance , the formal finance and the informal finance and the new rural financial organization , etc . Then the new rural financial organization is analyzed theoretically from the theory of the rural financial development mode , the agricultural credit subsidy theory , the rural financial market theory , the incomplete competition theory and the information asymmetry theory , and the theoretical analysis framework is constructed to study the development of the new rural financial organization in our country .

The fourth part , the development of the new rural financial organization in our country . Firstly , it summarizes the course of the reform and development of the rural finance in our country , summarizes the experiences and lessons of the rural financial reform , that is , the incremental reform should not be neglected while the stock reform is carried out , and the incremental reform and stock reform should be equal and equal .
Secondly , the necessity of the development of the new rural financial organizations in China is analyzed . It is pointed out that the development of new rural financial organizations is the need to realize the return of funds from commercial banks , improve the financial competition situation in rural areas and enrich the needs of financial products and services in rural financial markets ;
Thirdly , we compare the common features and differences between three new types of rural financial institutions .
Finally , the development status of the new rural financial institutions is described , and the difficulties faced by the development of the new rural financial organizations are pointed out .

In the fifth part , the framework of the development of the new rural financial organizations is designed . The paper designs the framework of the development of the new rural financial organizations from the aspects of the development goals , the principles of development , the environment of development and the mode of development . It is pointed out that the goal of the development of the new rural financial organizations is to form new rural financial institutions based on the incremental reform of rural finance .
The development environment includes legal environment , policy environment , credit environment and institutional environment , and expounds the development mode of village bank , micro - loan company and rural fund mutual aid .

Based on the analysis of data results and the comparison between the eastern , middle and western regions , this paper analyses the reasons for the operation efficiency of the village and town banks in the east , middle and western regions .

On the basis of the research , this paper has made some innovative research . An attempt is made to design the framework of the development of new rural financial organizations , and to explore the development goals , development principles , development environment and development mode of the new rural financial institutions ;
This paper compares the running efficiency of the village and town banks in the east , middle and western regions through the data envelope analysis , and tries to find out the differences in the development of the new rural financial organizations in the east , middle and western regions .

The main points of this paper are : the experiences and lessons of rural financial reform in our country show that it is necessary to develop new rural financial organizations ;
The development of the new rural financial organization is at the beginning of the exploration stage , has achieved some results , but also faces many difficulties ;
The operation efficiency of the new rural financial organizations in the middle and western regions of our country is relatively high , the eastern region is relatively low , which is related to the support of the local government and the degree of tension in the supply and demand of local rural funds ;
The Government should take appropriate measures to support the development of new rural financial organizations .
【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
【分類號(hào)】：F832.35

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本文編號(hào)：1928697