中國農(nóng)村金融生態(tài)體系的演化研究
發(fā)布時(shí)間：2018-11-28 11:52
【摘要】：金融是現(xiàn)代經(jīng)濟(jì)的核心。 本文力主從金融生態(tài)的視角考察中國農(nóng)村金融服務(wù)，以剖析新形勢下農(nóng)村金融服務(wù)體系中供求雙方不同主體需求特點(diǎn)，農(nóng)村金融服務(wù)體系在經(jīng)濟(jì)增長的不同階段的特點(diǎn)，探索組織體系重構(gòu)。以史為鑒，回顧過去，農(nóng)村的金融組織經(jīng)營，改變之前民間金融組織的發(fā)展模式，和國有商業(yè)金融組織的互助，走出一條自己的路子。尤其是在現(xiàn)在對地方政府平臺(tái)融資炒得比較熱的情況下，區(qū)別對待，促使地方政府為“三農(nóng)”等統(tǒng)籌城鄉(xiāng)經(jīng)濟(jì)發(fā)展的投資行為規(guī)范化、陽光化、法制化。在當(dāng)前社會(huì)經(jīng)濟(jì)環(huán)境下，農(nóng)村經(jīng)濟(jì)要想得到較好較快發(fā)展，統(tǒng)籌城鄉(xiāng)金融的支持決定著農(nóng)村經(jīng)濟(jì)發(fā)展的可持續(xù)性、規(guī)模和速度。溫家寶總理提出促進(jìn)金融資源優(yōu)化配置，，引導(dǎo)金融機(jī)構(gòu)加大對經(jīng)濟(jì)結(jié)構(gòu)調(diào)整特別是“三農(nóng)”企業(yè)、小微企業(yè)、戰(zhàn)略性新興產(chǎn)業(yè)的金融支持。明確解決好農(nóng)村金融問題，對解決好“三農(nóng)”問題和實(shí)現(xiàn)富民強(qiáng)縣的戰(zhàn)略目標(biāo)有著重大的現(xiàn)實(shí)意義。1 在新的形勢下，針對農(nóng)業(yè)經(jīng)濟(jì)的發(fā)展瓶頸，直指金融服務(wù)體系中存在的難題，期待通過金融生態(tài)體系的理順，成為壯大農(nóng)業(yè)經(jīng)濟(jì)的支點(diǎn)。具體直指：第一，在農(nóng)村地區(qū)金融服務(wù)體系中由正規(guī)與非正規(guī)金融主體對借貸的利率差別對經(jīng)濟(jì)發(fā)展的制約；第二，在農(nóng)村地區(qū)范圍下融資服務(wù)中典型如產(chǎn)權(quán)不明晰等引發(fā)的金融生態(tài)環(huán)境脆弱成為經(jīng)濟(jì)發(fā)展的瓶頸；第三，在農(nóng)村金融服務(wù)體系的運(yùn)行管理制度不科學(xué)，典型如農(nóng)村信用合作社的失位問題；第四，在現(xiàn)行政策性、商業(yè)性，及互助合作性的金融主體對農(nóng)村地區(qū)金融需求與供給的不對稱對縣域經(jīng)濟(jì)尤其是農(nóng)村成分的發(fā)展制約。通過對一系列典型問題的分析，探討適應(yīng)未來的農(nóng)村金融生態(tài)體系的確立。 面對中國農(nóng)村經(jīng)濟(jì)發(fā)展新形勢，李克強(qiáng)總理在多次談話中提到縣域經(jīng)濟(jì)是城鄉(xiāng)統(tǒng)籌發(fā)展的紐帶，而“城鎮(zhèn)化”又是統(tǒng)籌城鄉(xiāng)經(jīng)濟(jì)社會(huì)發(fā)展的重要載體。農(nóng)村金融體系應(yīng)該緊緊抓住這一珍貴契機(jī)，在全國城鎮(zhèn)化和統(tǒng)籌城鄉(xiāng)經(jīng)濟(jì)快速推進(jìn)的新形勢下，發(fā)揮金融是經(jīng)濟(jì)的推動(dòng)器，積極為農(nóng)村“輸血”，提高農(nóng)村經(jīng)濟(jì)發(fā)展的含金量。追求“城鎮(zhèn)化”發(fā)展質(zhì)量和謀求統(tǒng)籌城鄉(xiāng)發(fā)展的經(jīng)濟(jì)效益并舉，變輸血為造血，為助力縣域經(jīng)濟(jì)大發(fā)展，對中國整體經(jīng)濟(jì)的新一輪增長夯實(shí)基礎(chǔ)，“縣”給中國經(jīng)濟(jì)新一輪增長。
[Abstract]:Finance is the core of modern economy. In order to analyze the characteristics of the different main demand of the supply and demand parties in the rural financial service system and the characteristics of the rural financial service system in different stages of economic growth under the new situation, this paper strongly proposes to investigate the rural financial services in China from the perspective of financial ecology. Explore the reconstruction of organizational system. Taking history as a mirror, looking back on the past, rural financial organization management, changing the development model of non-governmental financial organizations before, and state-owned commercial financial organizations to help each other, to find a way out of their own. Especially in the situation that the local government platform financing is hot now, different treatment will urge the local government to standardize, sunshine and legalize the investment behavior of coordinating the urban and rural economic development for the "three rural areas". In the current social and economic environment, in order to get better and faster development of rural economy, the support of urban and rural finance determines the sustainability, scale and speed of rural economic development. Premier Wen Jiabao proposed to promote the optimal allocation of financial resources and guide financial institutions to increase financial support for economic restructuring, especially for "three rural" enterprises, small and micro enterprises, and strategic emerging industries. It is of great practical significance to solve the problem of "agriculture, countryside and farmers" and to realize the strategic goal of enriching the people and strong counties. 1 under the new situation, aiming at the bottleneck of the development of agricultural economy, Pointing to the problems existing in the financial service system, we expect to become the fulcrum of the agricultural economy through the straightening out of the financial ecological system. First, in the rural financial service system, the difference of interest rate between the formal and informal financial entities restricts the economic development; Secondly, the fragility of financial ecological environment caused by the typical financial services in rural areas, such as unclear property rights, has become the bottleneck of economic development. Thirdly, the operation and management system of rural financial service system is unscientific, such as the problem of rural credit cooperatives' losing position; Fourth, in the current policy, commercial, and mutual cooperation of the main financial entities in rural areas of financial demand and supply asymmetry on the county economy, especially the development of rural components constraints. Through the analysis of a series of typical problems, the establishment of rural financial ecological system adapted to the future is discussed. In the face of the new situation of rural economic development in China, Premier Li Keqiang mentioned in many talks that the county economy is the link for the overall development of urban and rural areas, and "urbanization" is an important carrier for coordinating the economic and social development of urban and rural areas. The rural financial system should seize this precious opportunity tightly. Under the new situation of urbanization and the rapid development of urban and rural economy, financial system is the driving force of economy, actively "blood transfusion" for rural areas, and increase the gold content of rural economic development. To pursue the development quality of "urbanization" and the economic benefits of urban and rural development as a whole, to transform blood transfusion into hematopoiesis, to promote the great development of the county economy, and to consolidate the foundation for a new round of economic growth in China as a whole. The county has given China a new round of economic growth.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.7
本文編號(hào)：2362750
[Abstract]:Finance is the core of modern economy. In order to analyze the characteristics of the different main demand of the supply and demand parties in the rural financial service system and the characteristics of the rural financial service system in different stages of economic growth under the new situation, this paper strongly proposes to investigate the rural financial services in China from the perspective of financial ecology. Explore the reconstruction of organizational system. Taking history as a mirror, looking back on the past, rural financial organization management, changing the development model of non-governmental financial organizations before, and state-owned commercial financial organizations to help each other, to find a way out of their own. Especially in the situation that the local government platform financing is hot now, different treatment will urge the local government to standardize, sunshine and legalize the investment behavior of coordinating the urban and rural economic development for the "three rural areas". In the current social and economic environment, in order to get better and faster development of rural economy, the support of urban and rural finance determines the sustainability, scale and speed of rural economic development. Premier Wen Jiabao proposed to promote the optimal allocation of financial resources and guide financial institutions to increase financial support for economic restructuring, especially for "three rural" enterprises, small and micro enterprises, and strategic emerging industries. It is of great practical significance to solve the problem of "agriculture, countryside and farmers" and to realize the strategic goal of enriching the people and strong counties. 1 under the new situation, aiming at the bottleneck of the development of agricultural economy, Pointing to the problems existing in the financial service system, we expect to become the fulcrum of the agricultural economy through the straightening out of the financial ecological system. First, in the rural financial service system, the difference of interest rate between the formal and informal financial entities restricts the economic development; Secondly, the fragility of financial ecological environment caused by the typical financial services in rural areas, such as unclear property rights, has become the bottleneck of economic development. Thirdly, the operation and management system of rural financial service system is unscientific, such as the problem of rural credit cooperatives' losing position; Fourth, in the current policy, commercial, and mutual cooperation of the main financial entities in rural areas of financial demand and supply asymmetry on the county economy, especially the development of rural components constraints. Through the analysis of a series of typical problems, the establishment of rural financial ecological system adapted to the future is discussed. In the face of the new situation of rural economic development in China, Premier Li Keqiang mentioned in many talks that the county economy is the link for the overall development of urban and rural areas, and "urbanization" is an important carrier for coordinating the economic and social development of urban and rural areas. The rural financial system should seize this precious opportunity tightly. Under the new situation of urbanization and the rapid development of urban and rural economy, financial system is the driving force of economy, actively "blood transfusion" for rural areas, and increase the gold content of rural economic development. To pursue the development quality of "urbanization" and the economic benefits of urban and rural development as a whole, to transform blood transfusion into hematopoiesis, to promote the great development of the county economy, and to consolidate the foundation for a new round of economic growth in China as a whole. The county has given China a new round of economic growth.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.7
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