本文關(guān)鍵詞： 沿邊金融開放 農(nóng)村普惠金融 農(nóng)村金融供需 問題與對(duì)策　出處：《云南財(cái)經(jīng)大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：普惠金融是指能夠有效、全面地為所有社會(huì)階層和社會(huì)群體提供服務(wù)的金融體系,旨在讓列于正規(guī)金融體系之外的農(nóng)村居民、貧困人群及小微企業(yè),能有效及時(shí)地獲得價(jià)格合理、安全快捷的金融服務(wù)。在黨的十八屆三中全會(huì)上“發(fā)展普惠金融”被正式列入《中共中央關(guān)于全面深化改革若干重大問題的決定》。作為沿邊開放的橋頭堡,云南省在發(fā)展普惠金融方面率先進(jìn)行嘗試,近年對(duì)省內(nèi)縣域農(nóng)村金融市場改革投入不斷加大,各種新型的農(nóng)村金融機(jī)構(gòu)快速發(fā)展,金融服務(wù)在省內(nèi)縣域農(nóng)村地區(qū)的覆蓋水平逐年提高,在金融支農(nóng)方面取得了一定的成果。《云南省廣西壯族自治區(qū)建設(shè)沿邊金融綜合改革試驗(yàn)區(qū)總體方案》(銀發(fā)〔2013〕276號(hào))將沿邊金融綜合改革試驗(yàn)區(qū)在昆明市和云南省內(nèi)沿邊8個(gè)州市確立起來,不僅有利于云南省進(jìn)一步發(fā)揮面向東南亞橋頭堡的作用,同時(shí)有利于進(jìn)一步加快人民幣跨境結(jié)算的發(fā)展,給全省金融發(fā)展增添了新的動(dòng)力。對(duì)云南省農(nóng)村普惠金融的發(fā)展而言,更是一次重大的機(jī)遇。改革試驗(yàn)區(qū)內(nèi)各州市可以借此機(jī)遇進(jìn)一步加快完善農(nóng)村地區(qū)普惠金融發(fā)展,帶動(dòng)農(nóng)村地區(qū)經(jīng)濟(jì)金融發(fā)展水平的提高,為全省農(nóng)村普惠金融的發(fā)展提供借鑒的范例。通過對(duì)云南省近年農(nóng)村普惠金融發(fā)展的現(xiàn)狀進(jìn)行具體分析后發(fā)現(xiàn),農(nóng)村普惠金融的發(fā)展在需求和供給以及政策支持方面還存在許多問題。本文通過借鑒普惠金融的體系框架,從金融需求和供給的視角,結(jié)合大量調(diào)研和統(tǒng)計(jì)數(shù)據(jù),對(duì)云南省沿邊金融開放地區(qū)農(nóng)村普惠金融需求現(xiàn)狀、供給現(xiàn)狀進(jìn)行了具體研究分析發(fā)現(xiàn),目前云南省農(nóng)村普惠金融發(fā)展存在著農(nóng)戶和農(nóng)村中小企業(yè)有效需求不足,金融機(jī)構(gòu)管理體制缺乏靈活性、“立足三農(nóng)”觀念不夠強(qiáng)、金融服務(wù)與產(chǎn)品創(chuàng)新力度不夠等比較嚴(yán)重的供求失衡問題。在制約農(nóng)村普惠金融發(fā)展的相關(guān)問題上,從農(nóng)戶、農(nóng)村中小企業(yè)、傳統(tǒng)和新型農(nóng)村金融機(jī)構(gòu)、農(nóng)業(yè)保險(xiǎn)、支付和信用體系、監(jiān)管以及政策環(huán)境方面進(jìn)行了深入的分析。在文章最后相應(yīng)地從上述角度提出加大政策扶持和引導(dǎo)改善農(nóng)村金融需求、加大對(duì)農(nóng)村金融機(jī)構(gòu)改革增加有效金融供給、對(duì)農(nóng)村金融機(jī)構(gòu)實(shí)行差別化監(jiān)管、利用云南省沿邊金融開放的政策優(yōu)勢(shì)推動(dòng)省內(nèi)農(nóng)村普惠金融發(fā)展、加大政策扶持力度支持省內(nèi)“三農(nóng)”發(fā)展等相關(guān)方面的對(duì)策和建議。
[Abstract]:Inclusive finance is an effective and comprehensive financial system that provides services to all social strata and groups. It aims to reach rural residents, poor people and small and micro enterprises listed outside the formal financial system. Be able to obtain reasonable price effectively and timely. At the third Plenary session of the 18 CPC Central Committee, "Development of inclusive Finance" was formally listed in the "decision of the CPC Central Committee on comprehensively deepening Reform", which served as a bridgehead along the border. Yunnan Province has taken the lead in the development of inclusive finance. In recent years, the investment in the reform of rural financial market has been increasing, and various new rural financial institutions have developed rapidly. The coverage of financial services in the rural areas of counties in the province has increased year by year. Some achievements have been made in financial support for agriculture. "General Plan for the Construction of the Border Comprehensive Financial Reform area in Guangxi Zhuang Autonomous region, Yunnan Province" (Yinfa, 2013No. 276). The pilot area of comprehensive financial reform along the border will be established in Kunming City and 8 bordering cities in Yunnan Province. It is not only conducive to Yunnan Province to further play its role as a bridgehead for Southeast Asia, but also conducive to speeding up the development of cross-border settlement of RMB. It has added new impetus to the financial development of the whole province. It is also an important opportunity. The cities and towns in the reform pilot area can take this opportunity to further accelerate the development of inclusive finance in rural areas and promote the improvement of the level of economic and financial development in rural areas. It provides an example for the development of rural inclusive finance in Yunnan province. Through the analysis of the current situation of rural inclusive finance in Yunnan Province in recent years, it is found. There are still many problems in the development of rural inclusive finance in terms of demand, supply and policy support. This paper uses the institutional framework of inclusive finance for reference from the perspective of financial demand and supply. Combined with a large number of research and statistical data, the paper analyzes the current situation of rural inclusive financial demand and supply in the border financial open area of Yunnan Province. At present, there is insufficient effective demand for rural households and small and medium-sized enterprises in the development of rural inclusive finance in Yunnan Province, the management system of financial institutions lacks flexibility, and the concept of "based on agriculture, rural areas and farmers" is not strong enough. Financial services and product innovation is not enough and other serious imbalance between supply and demand. In the constraints of rural inclusive financial development related issues, from farmers, rural small and medium-sized enterprises, traditional and new rural financial institutions. Agricultural insurance, payment and credit system, supervision and policy environment are analyzed in depth. At the end of the article, the author proposes to increase policy support and guide rural financial demand from the above point of view. Increase the reform of rural financial institutions to increase effective financial supply, rural financial institutions to implement differential supervision, using the edge of Yunnan Province to open the financial policy advantages to promote the development of rural inclusive finance in the province. Strengthen policy support to support the development of agriculture, rural areas and other related aspects of the countermeasures and suggestions.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.35

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