【摘要】：金融是經(jīng)濟的核心命脈，農(nóng)村金融作為金融體系中的一部分，關(guān)系著農(nóng)村經(jīng)濟的發(fā)展和農(nóng)民生活水平的提高，對我國構(gòu)建和諧、小康社會起著舉足輕重的作用。改革開放30年來，我國西部農(nóng)村金融制度發(fā)生了多次的變遷。農(nóng)村制度的變遷不僅促進(jìn)農(nóng)村金融制度效率的不斷提高，也為農(nóng)村經(jīng)濟的發(fā)展提供了強大的動力和支持。在看到取得的卓越成果，同時也要注意到潛藏的危機，如現(xiàn)行的農(nóng)村金融制度還存在著如制度供求失衡、組織制度不完善、金融資源配置效率低、監(jiān)管及風(fēng)控體系不完善等缺陷。這些制度缺陷，成為農(nóng)村經(jīng)濟發(fā)展的短板，無法實現(xiàn)其服務(wù)“三農(nóng)”的目標(biāo)。要克服這些農(nóng)村金融制度上的缺陷，提高農(nóng)村金融資源的運行績效，就必須對農(nóng)村金融制度進(jìn)行創(chuàng)新。 本文運用新制度經(jīng)濟學(xué)、實證分析等方法，對我國西部現(xiàn)行的農(nóng)村金融制度以及存在的問題進(jìn)行了全面剖析。觀今宜鑒古，無故不成今，通過對建國以來農(nóng)村金融制度變遷的回顧，對比我國農(nóng)村金融制度的現(xiàn)狀，找出存在問題，進(jìn)而有針對性地提出農(nóng)村金融制度創(chuàng)新的建議。 本文主要包括六部分：第一部分緒論，主要對本文的研究背景、意義及相關(guān)文獻(xiàn)進(jìn)行簡要介紹，并對制度等重要的概念進(jìn)行闡述；第二部分是回顧建國以來，我國西部農(nóng)村金融改革的歷程。通過對農(nóng)村金融改革的環(huán)境背景、誘發(fā)原因及變遷效果進(jìn)行分析，得出我國自上而下的強制性的金融制度變遷的結(jié)論；第三部分對近六年的西部農(nóng)村金融制度改革的績效進(jìn)行實證分析，通過量化的數(shù)據(jù)計算，得出運行績效水平低的結(jié)論；第四部分對目前我國農(nóng)村金融的發(fā)展現(xiàn)狀進(jìn)行分析，，主要通過對供求兩個角度入手，得出目前我國農(nóng)村金融供求非均衡、金融資源配置效率低的結(jié)論；第五部分對目前我國西部農(nóng)村金融資源配置進(jìn)行實證分析，通過具體的數(shù)據(jù)來分析西部九個省當(dāng)前的資源配置效率；最后第六部分針對存在的問題，從組織體系、市場、監(jiān)管等角度來提出創(chuàng)新的建議。
文內(nèi)圖片：
圖片說明：006-2010年西部城鎮(zhèn)與農(nóng)村人均可支配收入對比
[Abstract]:Finance is the core lifeline of the economy. As a part of the financial system, rural finance is related to the development of rural economy and the improvement of farmers' living standards, and plays an important role in building a harmonious and well-off society in our country. In the past 30 years of reform and opening up, many changes have taken place in the rural financial system in western China. The change of rural system not only promotes the continuous improvement of the efficiency of rural financial system, but also provides a strong motive force and support for the development of rural economy. In order to see the outstanding achievements, we should also pay attention to the hidden crisis, such as the imbalance between supply and demand of the system, the imperfection of the organizational system, the low efficiency of the allocation of financial resources, and the imperfection of the supervision and risk control system in the current rural financial system. These institutional defects have become the deficiency of rural economic development and can not achieve the goal of serving agriculture, rural areas and farmers. In order to overcome these defects of rural financial system and improve the performance of rural financial resources, it is necessary to innovate the rural financial system. By using the methods of new institutional economics and empirical analysis, this paper makes a comprehensive analysis of the current rural financial system and the existing problems in western China. Through reviewing the changes of rural financial system since the founding of the people's Republic of China, this paper compares the present situation of rural financial system in China, finds out the existing problems, and then puts forward some suggestions for the innovation of rural financial system. This paper mainly includes six parts: the first part is the introduction, which briefly introduces the research background, significance and related literature of this paper, and expounds the important concepts such as system; the second part is to review the course of rural financial reform in western China since the founding of the people's Republic of China. Through the analysis of the environmental background, inducing reasons and the effect of the rural financial reform, this paper draws the conclusion of the top-down mandatory financial system change in our country. The third part makes an empirical analysis on the performance of the western rural financial system reform in the past six years, and draws the conclusion that the operation performance level is low through the quantitative data calculation. The fourth part analyzes the present situation of the development of rural finance in our country, mainly through the two angles of supply and demand, draws the conclusion that the supply and demand of rural finance in our country is unbalanced and the efficiency of financial resource allocation is low, the fifth part carries on the empirical analysis to the western rural financial resource allocation at present, through the concrete data to analyze the current resource allocation efficiency in the western nine provinces; Finally, the sixth part puts forward innovative suggestions from the perspective of organizational system, market, supervision and so on.
【學(xué)位授予單位】：云南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.1

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