本文選題：農(nóng)村金融　切入點(diǎn)：金融供給　出處：《中央民族大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：我國農(nóng)業(yè)發(fā)展、農(nóng)村經(jīng)濟(jì)增長、農(nóng)民增收問題關(guān)系到國民經(jīng)濟(jì)社會(huì)發(fā)展以及現(xiàn)代化建設(shè)。“三農(nóng)”的發(fā)展需要資金的投入,可是我國農(nóng)村經(jīng)濟(jì)的發(fā)展水平仍相對(duì)落后,僅靠農(nóng)村經(jīng)濟(jì)主體各自的內(nèi)部積累難以滿足其對(duì)資金的需求。因此,必須逐步推進(jìn)我國農(nóng)村金融體制的創(chuàng)新與改革,建立和完善與農(nóng)村經(jīng)濟(jì)發(fā)展水平相適應(yīng)的農(nóng)村金融供給體系作為支持“三農(nóng)”的后盾,以促進(jìn)農(nóng)村經(jīng)濟(jì)社會(huì)的可持續(xù)發(fā)展。 本文以深化我國農(nóng)村金融、構(gòu)建和完善農(nóng)村金融的供給體系為研究目標(biāo),通過運(yùn)用農(nóng)村金融以及金融市場(chǎng)的相關(guān)理論,研究了我國農(nóng)村金融供給體系的現(xiàn)狀及供求關(guān)系。雖然現(xiàn)階段我國農(nóng)村金融供給體系的構(gòu)建是以滿足農(nóng)村金融需求為目標(biāo),但該體系中合作金融、政策性金融機(jī)構(gòu)和商業(yè)性金融機(jī)構(gòu)之間的利益關(guān)系沒有理順,而且各機(jī)構(gòu)的主要功能混淆,最終導(dǎo)致其職能錯(cuò)位,從而難以滿足農(nóng)村金融需求,甚至在某種情況下對(duì)農(nóng)村經(jīng)濟(jì)發(fā)展帶來負(fù)面影響。如郵政儲(chǔ)蓄銀行長期以來所起到的是農(nóng)村資金“抽水機(jī)”的作用。雖然我國的農(nóng)村金融供給體系是以商業(yè)金融機(jī)構(gòu)為主體的,可是由于其市場(chǎng)化程度仍然較低,利率尚木市場(chǎng)化,以及缺乏農(nóng)業(yè)保險(xiǎn)等風(fēng)險(xiǎn)轉(zhuǎn)移機(jī)制,從而使得農(nóng)村金融供求失衡進(jìn)一步加劇。民間金融雖然在平衡農(nóng)村金融供求方面到了一定的作用,可是一直以來為其合法經(jīng)營地位和自主經(jīng)營權(quán)利所困擾。 在對(duì)我國農(nóng)村金融供求失衡問題進(jìn)行深入分析之后,本文探討了國外建立農(nóng)村金融供給體系的做法與經(jīng)驗(yàn),提出了建立和完善農(nóng)村金融供給體系的構(gòu)想與建議。首先,深化農(nóng)村正規(guī)金融機(jī)構(gòu)的改革；其次,積極規(guī)范和引導(dǎo)農(nóng)村民間金融,從而在效地補(bǔ)充農(nóng)村金融供給；最后,政府要致力于營造良好的農(nóng)村金融發(fā)展環(huán)境。 本文通過分析我國農(nóng)村金融體系的現(xiàn)狀以及供求失衡的根源,研究了農(nóng)村金融供給體系中各機(jī)構(gòu)組織結(jié)構(gòu)以及制度安排,對(duì)我國深化農(nóng)村金融改革與創(chuàng)新在一定參考價(jià)值和借鑒意義。
[Abstract]:The development of agriculture, the growth of rural economy and the increase of farmers' income are related to the development of national economy and society as well as the modernization construction. The development of agriculture, rural areas and farmers needs capital input, but the development level of rural economy in China is still relatively backward. It is difficult to satisfy the demand for funds by relying on the internal accumulation of rural economic entities alone. Therefore, we must gradually promote the innovation and reform of the rural financial system in our country. In order to promote the sustainable development of rural economy and society, we should establish and perfect the rural financial supply system, which is suitable to the level of rural economic development. This paper aims at deepening rural finance, constructing and perfecting the supply system of rural finance, and applying the relevant theories of rural finance and financial market. This paper studies the present situation and the relationship between supply and demand of the rural financial supply system in China. Although the construction of the rural financial supply system in China is aimed at meeting the needs of rural finance at present, the cooperative finance system in this system is aimed at meeting the needs of rural finance. The interest relationship between policy-oriented financial institutions and commercial financial institutions is not straightened out, and the main functions of each institution are confused, which ultimately leads to the dislocation of their functions, which makes it difficult to meet the needs of rural finance. Even under certain circumstances, it will have a negative impact on the development of rural economy. For example, the Postal savings Bank has long played the role of "pumping unit" of rural funds. Although the rural financial supply system in China is dominated by commercial financial institutions, However, due to its low degree of marketization, the marketization of interest rates and the lack of risk transfer mechanisms such as agricultural insurance, Thus, the imbalance of rural financial supply and demand is further aggravated. Although folk finance has played a certain role in balancing rural financial supply and demand, it has been troubled by its legal operating status and autonomous management right. After deeply analyzing the imbalance of rural financial supply and demand in China, this paper discusses the practices and experiences of establishing rural financial supply system abroad, and puts forward some ideas and suggestions for establishing and perfecting rural financial supply system. To deepen the reform of rural formal financial institutions; secondly, to actively regulate and guide rural private finance, so as to effectively supplement the rural financial supply; finally, the government should strive to create a good rural financial development environment. Based on the analysis of the present situation of rural financial system and the source of imbalance between supply and demand, this paper studies the organizational structure and institutional arrangement of various institutions in the rural financial supply system. To deepen the rural financial reform and innovation in China in a certain reference value and reference significance.
【學(xué)位授予單位】：中央民族大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 岳晨瓊;王延濤;;關(guān)于農(nóng)村金融供給數(shù)量和質(zhì)量分析[J];全國商情(理論研究);2013年12期

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本文編號(hào)：1579504