本文選題：農(nóng)村　切入點(diǎn)：金融體系　出處：《內(nèi)蒙古大學(xué)》2012年碩士論文

【摘要】：農(nóng)村金融體系是我國金融體系的重要組成部分,改革開放以來特別是近年來,隨著我國金融體制改革的不斷發(fā)展,以信用社為重點(diǎn)的農(nóng)村金融體制改革逐步加快,并取得了積極成效。內(nèi)蒙古的農(nóng)村金融體系改革基本沿襲國家金融體系改革進(jìn)程。隨著經(jīng)濟(jì)體制改革的進(jìn)一步深化和市場經(jīng)濟(jì)體制本身的要求,尤其是在經(jīng)濟(jì)全球化、信息技術(shù)的迅猛發(fā)展以及金融國際化步伐加快的背景下,我區(qū)現(xiàn)有的農(nóng)村金融體制弊端逐漸暴露。農(nóng)村金融體制改革的難點(diǎn)在偏遠(yuǎn)落后地區(qū),作為中西部地區(qū)的內(nèi)蒙古,受欠發(fā)達(dá)地區(qū)經(jīng)濟(jì)和政策制約以及自身發(fā)展,農(nóng)村金融改革與發(fā)展距全國發(fā)達(dá)地區(qū)的水平有很大的差距。迄今為止,內(nèi)蒙古的農(nóng)村金融體制改革嚴(yán)重滯后于農(nóng)村稅費(fèi)改革,甚至成為整個(gè)農(nóng)村改革最為薄弱的環(huán)節(jié),農(nóng)村金融服務(wù)功能弱化、資金外流嚴(yán)重、農(nóng)村信用社改革力度不夠等問題嚴(yán)重制約著農(nóng)牧業(yè)結(jié)構(gòu)調(diào)整、農(nóng)牧區(qū)發(fā)展和農(nóng)牧民增收。剖析其根源,最主要的是內(nèi)蒙古農(nóng)村牧區(qū)經(jīng)濟(jì)發(fā)展滯后、金融制度安排缺陷、國家扶持和優(yōu)惠政策不到位等因素。因此,加快農(nóng)村牧區(qū)金融體制改革,建立一套合理、高效、健康運(yùn)行的農(nóng)村金融體系,已成為當(dāng)前解決內(nèi)蒙古“三農(nóng)、三牧”問題的迫切要求。當(dāng)今國際國內(nèi)具有代表性的農(nóng)村金融理論與實(shí)踐范式有農(nóng)業(yè)信貸補(bǔ)貼論、農(nóng)村金融市場論和斯蒂格里茨不完全競爭市場理論及哈耶克局部知識分析范式等。斯蒂格利茨(Stiglitz)的“金融約束”理論指出了市場的不完善性以及政府干預(yù)農(nóng)村金融發(fā)展的必要性,進(jìn)而使得在實(shí)踐中“不完全市場理論”逐漸替代“農(nóng)村市場理論”和“農(nóng)村信貸補(bǔ)貼理論”而占主導(dǎo)地位。近年來,我區(qū)一直在不斷探索完善農(nóng)村金融體系。依照斯蒂格里茨不完全競爭市場理論,同時(shí)借鑒國外農(nóng)村金融體系的實(shí)踐經(jīng)驗(yàn),在深化改革內(nèi)蒙古農(nóng)村金融體系過程中,我們必須把握實(shí)用性原則、漸進(jìn)性原則、經(jīng)濟(jì)金融協(xié)調(diào)可持續(xù)發(fā)展原則等,加快農(nóng)村金融機(jī)構(gòu)自身建設(shè)原則和選擇供給導(dǎo)向型金融深化模式。深化內(nèi)蒙古農(nóng)村牧區(qū)金融體系改革,建立新型的金融體系應(yīng)該是一個(gè)多層次、多體系的農(nóng)村牧區(qū)金融服務(wù)體系,既需要發(fā)揮金融市場固有的自由競爭機(jī)制,又要充分發(fā)揮國家財(cái)政金融扶持農(nóng)村金融作用,這個(gè)體系應(yīng)該是一個(gè)既需要包括政策性金融進(jìn)而由政府財(cái)政間接補(bǔ)償農(nóng)牧業(yè),也要包括商業(yè)金融、合作金融、民間金融、保險(xiǎn)、投資基金等在內(nèi)的完整體系。針對內(nèi)蒙古農(nóng)村牧區(qū)金融體系存在的問題及根源,按照深化改革內(nèi)蒙古農(nóng)村牧區(qū)金融體系必須把握的原則和金融深化模式,在汲取世界各國成功經(jīng)驗(yàn)的基礎(chǔ)上,進(jìn)而提出培育農(nóng)村金融市場競爭機(jī)制、突出政策性金融主導(dǎo)作用、強(qiáng)化合作性金融主體作用、發(fā)揮商業(yè)銀行金融支持作用、加快郵政儲蓄改革、完善農(nóng)牧業(yè)保險(xiǎn)體系、引導(dǎo)民間融資規(guī)范發(fā)展和加大農(nóng)村牧區(qū)金融監(jiān)管力度等政策措施及對策建議。 本文正是基于這一點(diǎn),系統(tǒng)分析了我們應(yīng)該如何構(gòu)建高效合理的農(nóng)村金融體系,讓其發(fā)揮最大的功效來促進(jìn)內(nèi)蒙古農(nóng)牧業(yè)的可持續(xù)發(fā)展。
[Abstract]:The rural financial system is an important part of China's financial system since the reform and opening up, especially in recent years, with the continuous development of China's financial system reform, the reform of the rural financial system to credit cooperatives as the focus gradually accelerated, and achieved positive results. The reform of rural financial system in Inner Mongolia basically followed the financial system reform process state with the deepening economic system reform and the requirements of market economy system, especially in the economic globalization, the rapid development of information technology and accelerate the pace of financial globalization background, the existing rural financial system defects in our region. The reform of the rural financial system gradually exposed the difficulties in remote and backward areas in the central and western regions of Inner Mongolia. The economy of less developed regions and its constraints and policy development, financial reform and development in rural areas of the country have developed from A big gap. So far, the reform of the rural financial system in Inner Mongolia lagged behind the reform of rural taxes and fees, and even become the weakest link in the whole rural reform, weakening the function of rural financial services, capital outflow is serious, the strength of the reform of rural credit cooperatives is seriously restricting the agricultural structure adjustment, the development of agricultural and pastoral areas and farmers analyze the source of income. The most important is that the rural and pastoral areas of Inner Mongolia economic development lags behind, the financial system defects, state support and preferential policies are not in place and other factors. Therefore, accelerate the reform of rural and pastoral areas of finance, establish a rational, efficient and healthy operation of the rural financial system, to solve the "three rural Inner Mongolia has become the current urgent. Requirements of Sanmu" problem. Domestic and international representative of the rural financial theory and practice of rural credit subsidy theory, rural financial market theory and Stieglitz did not fully competitive market theory and Hayek's local knowledge analysis paradigm. Stiglitz (Stiglitz) "financial constraints" theory points out that the market is not perfect and the necessity of government intervention in rural financial development, which in practice "incomplete market theory" replace "rural market theory" and "rural credit subsidy the theory of" dominant. In recent years, our region has been constantly exploring to improve the rural financial system. According to Stieglitz's incomplete competition market theory, and draw on the experience of foreign rural financial system in Inner Mongolia, deepen the reform of rural financial system in the process, we must grasp the practical principle, progressive principle, economic and financial coordination principle sustainable development, accelerate rural financial institutions own construction principles and selection of supply oriented financial deepening deep mode. The reform of rural financial system in Inner Mongolia, to establish a new financial system should be a multi-level system of financial services in rural and pastoral areas, multi system, free competition mechanism not only need to play the financial market inherent, but also give full play to the national finance to support rural financial function, this system should be a need to include policy and finance the government financial indirect compensation of agriculture and animal husbandry, should also include commercial finance, cooperative finance, private finance, insurance, investment funds, complete system. In rural and pastoral areas in Inner Mongolia and the root causes of the existing problems in the financial system, in accordance with the deepening reform of financial system in rural and pastoral areas of Inner Mongolia must grasp the principles and modes of financial deepening, based on absorbing the world the successful experience, and puts forward the cultivation of rural financial market competition mechanism, highlighting the leading role of financial policy, strengthen cooperation The main role of sex finance is to play the role of financial support of commercial banks, accelerate the reform of postal savings, improve the insurance system of agriculture and animal husbandry, guide the standardized development of private financing and increase the financial supervision of rural pastoral areas, and so on.
Based on this point, this paper systematically analyzes how we should build an efficient and rational rural financial system to maximize its effectiveness to promote the sustainable development of Inner Mongolia's agriculture and animal husbandry.

【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.7

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本文編號：1662883