【摘要】：當前,我國正處在全面建成小康社會的關(guān)鍵時期,但長期以來形成的城鄉(xiāng)不均衡“二元經(jīng)濟”結(jié)構(gòu),已成為制約我國“三農(nóng)”建設(shè)及經(jīng)濟社會全面發(fā)展的瓶頸。其中,農(nóng)村金融作為“三農(nóng)”問題尤其是農(nóng)村經(jīng)濟的核心,不僅肩負著提供金融服務(wù)的使命,而且直接影響著“三農(nóng)”建設(shè)能否得以順利推進。然而,正是由于農(nóng)村金融改革與發(fā)展的相對滯后,又成為制約農(nóng)村經(jīng)濟可持續(xù)發(fā)展的重要因素,同時也極大影響著我國經(jīng)濟發(fā)展方式的轉(zhuǎn)變和推進統(tǒng)籌城鄉(xiāng)發(fā)展戰(zhàn)略的實施。于是,在黨的“十七大”中,便將農(nóng)村金融列入城鄉(xiāng)一體化建設(shè)和推進社會主義新農(nóng)村建設(shè)的重要內(nèi)容,黨的“十八大”報告更是強調(diào)城鄉(xiāng)發(fā)展一體化是解決“三農(nóng)”問題的根本途徑,要加大統(tǒng)籌城鄉(xiāng)發(fā)展力度,增強農(nóng)村發(fā)展活力,逐步縮小城鄉(xiāng)差距,促進城鄉(xiāng)共同繁榮。 應(yīng)該說,經(jīng)過多年統(tǒng)籌城鄉(xiāng)實踐,成都已經(jīng)初步建立起多層次、廣覆蓋的農(nóng)村金融服務(wù)組織體系,各類支農(nóng)金融顯著提升,金融產(chǎn)品和金融工具也日趨創(chuàng)新,涉農(nóng)保險業(yè)務(wù)及擔保業(yè)務(wù)發(fā)展取得長足進步。但是,由于多種原因,成都在統(tǒng)籌城鄉(xiāng)發(fā)展中農(nóng)村金融創(chuàng)新依然面臨一系列制約因素,如農(nóng)村金融多元化、廣層級的長效供給機制仍不完善,農(nóng)村金融信用基礎(chǔ)依然薄弱。這些阻礙成都農(nóng)村金融體系建設(shè)的深層次矛盾和瓶頸亟待破解,以充分適應(yīng)“兩化互動”、“四化同步”發(fā)展的新要求。 本文詳細梳理了統(tǒng)籌城鄉(xiāng)中農(nóng)村金融體系建設(shè)的國內(nèi)外現(xiàn)狀,在深入分析統(tǒng)籌城鄉(xiāng)發(fā)展理論、完善農(nóng)村金融體系的基本內(nèi)涵與統(tǒng)籌城鄉(xiāng)發(fā)展的關(guān)系、成都在統(tǒng)籌城鄉(xiāng)中創(chuàng)新農(nóng)村金融體系的基礎(chǔ)上,探討了新形勢下成都統(tǒng)籌城鄉(xiāng)發(fā)展中農(nóng)村金融創(chuàng)新所面臨的制約,并對優(yōu)化現(xiàn)代農(nóng)村金融體系,助推成都統(tǒng)籌城鄉(xiāng)發(fā)展提出了制度設(shè)計的目標、原則及相關(guān)政策建議。
[Abstract]:At present, our country is in the key period of building a well-off society in an all-round way, but the "dual economy" structure, which has been formed for a long time, has become the bottleneck restricting the construction of "agriculture, countryside and farmers" and the overall development of economy, countryside and society in China. Rural finance, as the core of the "three rural" problems, especially the rural economy, not only shoulders the mission of providing financial services, but also directly affects whether the construction of "agriculture, countryside and farmers" can be carried out smoothly. However, it is precisely because of the relative lag of rural financial reform and development that it has become an important factor restricting the sustainable development of rural economy. At the same time, it has also greatly affected the transformation of the mode of economic development in China and the implementation of the overall strategy of urban and rural development. As a result, in the 17th National Congress of the Party, rural finance was included as an important part of the integration of urban and rural areas and the promotion of the construction of a new socialist countryside. The report of the 18th National Congress of the Communist Party of China emphasizes that the integration of urban and rural development is the fundamental way to solve the problem of "agriculture, countryside and farmers". It should be said that after years of overall planning between urban and rural areas, Chengdu has initially set up a multi-level and widely covered rural financial service organization system. Various types of agricultural finance have improved significantly, and financial products and financial instruments have become increasingly innovative. Agricultural insurance business and guarantee business development has made considerable progress. However, for various reasons, Chengdu is still facing a series of constraints in the overall development of rural and urban areas, such as the diversification of rural finance, a wide range of long-term supply mechanism is still imperfect, rural financial credit base is still weak. These deep-seated contradictions and bottlenecks that hinder the construction of Chengdu's rural financial system need to be solved so as to fully meet the new requirements of the development of "the interaction between the two modernizations" and the "four modernizations". In this paper, the current situation of rural financial system construction in urban and rural areas is analyzed in detail, and the relationship between the basic connotation of rural financial system and the overall development of urban and rural areas is analyzed in depth, so as to perfect the basic connotation of rural financial system. On the basis of innovating rural financial system in urban and rural areas as a whole, Chengdu probes into the constraints faced by rural financial innovation in Chengdu's overall planning of urban and rural development under the new situation, and optimizes the modern rural financial system. Promote the urban and rural development of Chengdu put forward the system design objectives, principles and relevant policy recommendations.
【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35

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