本文關(guān)鍵詞：我國農(nóng)村金融體系的問題與對策研究　出處：《天津財經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村金融 信貸配給 資金流出 融資渠道

【摘要】：目前中國經(jīng)濟(jì)總量已躍居世界第二,但是人均GDP只排在一百名左右,原因很簡單,中國有太多的人來自農(nóng)村,年均收入低于全國平均值。總量的“超富”背后,隱藏著懸殊的貧富差距。解決好中國貧富差距問題,除了完善分配制度以外,還應(yīng)從農(nóng)村這個中國社會經(jīng)濟(jì)最底層尋找突破口,農(nóng)村金融無疑就是這個突破處。農(nóng)村金融是農(nóng)村經(jīng)濟(jì)的核心,對縮小城鄉(xiāng)貧富差距,統(tǒng)籌城鄉(xiāng)經(jīng)濟(jì)發(fā)展起到十分重要的作用。本文立足于我國農(nóng)村金融發(fā)展現(xiàn)狀與國際農(nóng)村金融體系經(jīng)驗的基礎(chǔ)上,結(jié)合農(nóng)村金融與農(nóng)村經(jīng)濟(jì)增長的實(shí)證分析,探尋我國農(nóng)村金融體系為何沒有產(chǎn)生最大化支農(nóng)效率的原因,提出構(gòu)建我國農(nóng)村金融體系的建議。 首先本文對現(xiàn)有研究進(jìn)行梳理�；仡櫫私鹑诎l(fā)展與經(jīng)濟(jì)發(fā)展相關(guān)理論和農(nóng)村金融發(fā)展理論,包括農(nóng)業(yè)信貸補(bǔ)貼理論、農(nóng)村金融市場理論和不完全競爭市場理論。同時也從農(nóng)村金融規(guī)模與農(nóng)村金融效率兩方面總結(jié)了國內(nèi)外學(xué)者的研究成果。 其次本文分析了我國農(nóng)村金融體系的歷史、現(xiàn)狀與存在的問題�，F(xiàn)狀從我國農(nóng)村金融體系的構(gòu)成、特征兩方面分析。存在的問題主要有：信貸配給嚴(yán)重、大量資金外流、市場功能不完善和機(jī)構(gòu)資金來源緊張。 第三本文實(shí)證分析得到結(jié)論：農(nóng)村存貸差的增加,對農(nóng)村第一產(chǎn)業(yè)不利；鄉(xiāng)鎮(zhèn)企業(yè)貸款增長率與鄉(xiāng)鎮(zhèn)企業(yè)產(chǎn)值增長率之間存在負(fù)相關(guān)；農(nóng)村居民收入增長率與農(nóng)村居民儲蓄增長率之間存在負(fù)相關(guān),意味著農(nóng)村金融機(jī)構(gòu)存款來源減少,會影響農(nóng)村金融機(jī)構(gòu)的可持續(xù)發(fā)展能力；農(nóng)村金融與農(nóng)村經(jīng)濟(jì)發(fā)展并不十分協(xié)調(diào)。 最后,本文提出了通過分析國外農(nóng)村金融模式的經(jīng)驗,并提出構(gòu)建我國農(nóng)村金融體系的一些建議。主要有：推行農(nóng)戶聯(lián)保制,化解信貸配給；強(qiáng)調(diào)服務(wù)三農(nóng)的目標(biāo),杜絕資金外流；創(chuàng)新機(jī)構(gòu)融資渠道,促進(jìn)可持續(xù)發(fā)展。
[Abstract]:At present, China economic aggregate ranks second in the world, but the per capita GDP ranks only one hundred or so, the reason is very simple, Chinese there are too many people from rural areas, the average annual income of less than the national average. The total amount of the "super rich" hidden behind the gap between the rich and the poor. To solve the problem of the gap between rich and poor China, in addition to improve the distribution this system, from the bottom of China rural social economy to find a breakthrough, rural finance is undoubtedly the breakthrough. The rural finance is the core of the rural economy, to narrow the gap between urban and rural residents, urban and rural economic development has played a very important role. This paper is based on China's rural financial development and rural financial system of international experience on the empirical analysis of rural finance and rural economic growth, explore China's rural financial system did not produce the maximum efficiency in support of reason, put forward. Suggestions for the construction of the rural financial system in China.
Firstly, this paper sorts out the existing research. Review of financial development and economic development theory and rural financial development theory, including the theory of agricultural credit subsidies, the rural financial market theory and the theory of imperfect competition market. At the same time from the scale of the rural finance and rural financial efficiency two aspects, summarizes the research results of scholars at home and abroad.
Secondly, this paper analyzes the rural financial system in our country's history, current situation and existing problems. From the current situation of China's rural financial system, analysis of two aspects. The main problems are: the serious credit rationing, large capital outflows, the market mechanism function is not perfect and the source of funding constraints.
In this paper, an empirical analysis of third conclusions: Rural bad loans increase, unfavorable to the first industry in rural areas; there is a negative correlation between loan growth rate of township enterprises and township enterprises output value growth rate; there is a negative correlation between the income growth of rural residents and rural residents savings growth rate, means to reduce the source of deposits of financial institutions in rural areas and the sustainable development ability the effect of rural financial institutions; rural finance and rural economic development is not very coordinated.
Finally, this paper puts forward the model of rural financial analysis of foreign experience, and puts forward some suggestions of constructing China's rural financial system. Mainly include: the implementation of farmers UNPROFOR system, resolve the credit rationing; emphasizing rural services aim to eliminate capital outflow; innovation mechanism of financing channels, to promote sustainable development.

【學(xué)位授予單位】：天津財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

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