本文選題：農(nóng)村金融體系　切入點(diǎn)：農(nóng)村金融需求　出處：《復(fù)旦大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)業(yè)是中國的根本,是國民經(jīng)濟(jì)的基礎(chǔ)環(huán)節(jié),解決好“三農(nóng)”問題才能更快地促進(jìn)我國經(jīng)濟(jì)高質(zhì)高效發(fā)展。1982到1986年,中央連續(xù)發(fā)了五個(gè)一號(hào)文件,研究農(nóng)村問題,2004到2012年,中央又連續(xù)發(fā)了九個(gè)以“三農(nóng)”為主題的“中央一號(hào)文件”,強(qiáng)調(diào)了“三農(nóng)”問題在我國經(jīng)濟(jì)體系中的重要地位。其中,促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展、農(nóng)民收入增加是解決“三農(nóng)”問題的關(guān)鍵,這就離不開農(nóng)村金融體系對(duì)其的信貸支持。但是,由于我國大中型商業(yè)銀行的紛紛股改,大量金融資源撤離農(nóng)村,而新型金融機(jī)構(gòu)還處于培育階段,民間金融又有市無位,這就與農(nóng)村日益豐富、多層次的金融需求產(chǎn)生矛盾。作為西部欠發(fā)達(dá)地區(qū)的重慶市,與其他直轄市不同,具備了大農(nóng)村、大城市、大農(nóng)業(yè)、大工業(yè)的特征,農(nóng)村經(jīng)濟(jì)諸多指標(biāo)還未趕上全國平均水平,農(nóng)村金融體系的建設(shè)也存在諸多不合理之處,無法滿足重慶市各類農(nóng)村市場(chǎng)主體的諸多金融訴求。因此,其農(nóng)村金融體系需要不斷完善,才能更好地促進(jìn)農(nóng)村經(jīng)濟(jì)乃至整個(gè)國民經(jīng)濟(jì)的發(fā)展,更好地構(gòu)建和諧社會(huì)。 本文就是在這樣一個(gè)大背景下,針對(duì)噬待解決的農(nóng)村信貸問題進(jìn)行研究,并將觸角細(xì)化到重慶市,針對(duì)重慶市具體現(xiàn)狀進(jìn)行具體分析。具體來說,就是在總結(jié)前輩們研究成果的基礎(chǔ)上梳理了現(xiàn)今重慶市農(nóng)村金融的供需現(xiàn)狀,并通過數(shù)據(jù)的搜集與整理,分析了重慶市農(nóng)村金融建設(shè)中所存在的問題,并借鑒各國以及我國優(yōu)秀省市的農(nóng)村金融體系建設(shè)經(jīng)驗(yàn),提出緩解重慶市農(nóng)民融資問題、完善農(nóng)村金融的建議。即：建立多層次、多市場(chǎng)、相互競爭的金融體系以及多樣化、差異化、應(yīng)地制宜的金融產(chǎn)品；發(fā)揮中國農(nóng)業(yè)發(fā)展銀行、中國農(nóng)業(yè)銀行的表率作用,重視培育重慶農(nóng)商行、中國郵政儲(chǔ)蓄銀行以及新型金融機(jī)構(gòu)這三大融資平臺(tái)為主力的體系架構(gòu),積極配套完善以政府為主導(dǎo)的農(nóng)村擔(dān)保和保險(xiǎn)體系,以積極的金融供給來引致需求；在全局統(tǒng)籌上,要積極優(yōu)化重慶市農(nóng)村金融體系的生態(tài)環(huán)境,這就需要政府發(fā)揮主導(dǎo)作用,特別是地方政府,以此來促進(jìn)農(nóng)村金融機(jī)構(gòu)的制度改革和農(nóng)村金融體系的完善。
[Abstract]:Agriculture is the foundation of China and the basic link of the national economy. Only by solving the problems of "agriculture, rural areas and farmers" can we promote the high quality and efficient development of our economy more quickly. From 1982 to 1986, the Central Committee issued five successive documents to study rural problems from 2004 to 2012. The Central Committee has also issued nine "Central documents" with the theme of "agriculture, countryside and farmers" as the theme, emphasizing the important position of the "three rural" issues in China's economic system. Among them, promoting the development of rural economy. The increase of farmers' income is the key to solve the problem of "agriculture, countryside and farmers", which cannot be separated from the credit support from the rural financial system. However, due to the stock reform of large and medium-sized commercial banks in China, a large number of financial resources have been withdrawn from the countryside. However, the new financial institutions are still in the cultivation stage, and the private finance has no place in the city, which is in contradiction with the increasingly rich rural areas and the multi-level financial demand. As a less-developed western region, Chongqing is different from other municipalities directly under the Central Government. With the characteristics of large rural areas, big cities, large agriculture and large industries, many indicators of the rural economy have not yet caught up with the national average, and the construction of the rural financial system has many irrationality. Therefore, its rural financial system needs to be improved constantly in order to better promote the development of rural economy and the whole national economy, and build a harmonious society better. This article is under such a background, carries on the research to the rural credit problem which needs to be solved, and refines the tentacles to Chongqing, carries on the concrete analysis according to the Chongqing concrete present situation. Specifically, That is, on the basis of summarizing the research results of the predecessors, this paper combs the present situation of supply and demand of rural finance in Chongqing, and analyzes the problems existing in the construction of rural finance in Chongqing through the collection and collation of data. Based on the experience of the construction of rural financial system in various countries and China's excellent provinces and cities, the paper puts forward some suggestions to alleviate the problem of farmers' financing in Chongqing and perfect the rural finance, that is, to establish a multi-level, multi-market, competitive financial system and diversification. Financial products that are differentiated and suitable for land use; the Agricultural Development Bank of China and the Agricultural Bank of China play an exemplary role and attach importance to the cultivation of Chongqing Agricultural and Commercial Bank, The postal savings bank of China and the three major financing platforms of the new type of financial institutions are the main system structures, actively supporting and perfecting the government-led rural guarantee and insurance system, with a positive financial supply to lead to demand; as a whole, as a whole, In order to optimize the ecological environment of the rural financial system in Chongqing, it is necessary for the government to play a leading role, especially the local government, in order to promote the system reform of the rural financial institutions and the perfection of the rural financial system.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

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本文編號(hào)：1585091