發(fā)布時間：2018-06-06 05:37

  本文選題：農(nóng)村 + 金融產(chǎn)品��； 參考：《西北農(nóng)林科技大學》2015年碩士論文

【摘要】：中國共產(chǎn)黨第十八屆全國人民代表大會上曾經(jīng)指出,我國政府目前工作的重心是在農(nóng)村大力開展農(nóng)業(yè)基礎(chǔ)建設(shè)和社會事業(yè)的發(fā)展,全面改善農(nóng)民生活水平,提升農(nóng)生生活質(zhì)量。具體到我國農(nóng)村金融市場的層面來看,對我國廣大農(nóng)民來說,由于農(nóng)村金融市場發(fā)展不健全、農(nóng)村新型金融產(chǎn)品創(chuàng)新力不足等問題導(dǎo)致了他們在農(nóng)村金融市場上進行信貸活動時遭遇了一系列的障礙,主要表現(xiàn)在對資金的需求得不到滿足,其次表現(xiàn)在農(nóng)村支付體系相對薄弱,農(nóng)民群眾理財產(chǎn)品選擇、現(xiàn)金收付都存在困難,由此帶來的收入來源渠道有限、收入普遍偏低的問題,與十八大提出的“讓全體中國人民邁入全面小康”的目標還有很大差距,緣此,從經(jīng)濟領(lǐng)域著手,改善農(nóng)村金融環(huán)境,加強農(nóng)村金融產(chǎn)品和服務(wù)的創(chuàng)新,為農(nóng)村金融發(fā)展創(chuàng)造條件,對于完善我國農(nóng)村金融市場、提高農(nóng)民群眾收入來說具有著十分重要的現(xiàn)實和理論意義。本文正是從理論發(fā)展和現(xiàn)實需要的這種需求出發(fā),首先分析了農(nóng)村金融產(chǎn)品和服務(wù)的概念發(fā)展、主要內(nèi)容及相關(guān)理論,并在對國內(nèi)外已有文獻的綜述基礎(chǔ)上,對我國農(nóng)村金融產(chǎn)品和服務(wù)創(chuàng)新現(xiàn)狀進行了闡述,隨后又對我國農(nóng)村金融產(chǎn)品和服務(wù)創(chuàng)新中存在的問題包括對市場定位認識不到位、金融產(chǎn)品的創(chuàng)新缺乏完整性、相關(guān)配套政策不到位、創(chuàng)新主體單一、激勵制度匱乏以及科技水平較低進行分析,并找出導(dǎo)致問題產(chǎn)生的制約因素如農(nóng)村金融市場的壟斷,使得農(nóng)村金融市場缺乏有效地競爭和活力;體制存在弊端,金融創(chuàng)新缺乏基礎(chǔ);內(nèi)控制度缺乏,金融產(chǎn)品和服務(wù)的創(chuàng)新缺乏風險控制保障;金融機構(gòu)從業(yè)人員質(zhì)量參差不齊,產(chǎn)品和服務(wù)創(chuàng)新缺乏人力資源支撐。同時論文通過借鑒國外的成功經(jīng)驗和啟示,以楊凌示范區(qū)農(nóng)村金融產(chǎn)品和服務(wù)創(chuàng)新案例分別從農(nóng)村金融產(chǎn)品創(chuàng)新--農(nóng)村產(chǎn)權(quán)抵押“楊凌模式”、“訂單農(nóng)業(yè)”貸款、無形資產(chǎn)抵押貸款,及農(nóng)村金融服務(wù)創(chuàng)新--推進農(nóng)村信用體系建設(shè)、設(shè)立農(nóng)村金融輕型網(wǎng)點建設(shè)、開展農(nóng)村金融知識理財宣傳等方面進行實證分析,最后從政府出臺合理財政政策,放寬對農(nóng)村金融市場限制;涉農(nóng)金融監(jiān)管機構(gòu)完善金融產(chǎn)品和服務(wù)的監(jiān)管制度;加強同行業(yè)之間合作,鼓勵民間資本進入農(nóng)村金融市場;樹立正確創(chuàng)新意識,致力打造特色品牌產(chǎn)品以及建立良好外部環(huán)境,改善農(nóng)村信用環(huán)境;加快支付方式轉(zhuǎn)變,推動線上、線下全面融合等方面提出了完善農(nóng)村金融產(chǎn)品和服務(wù)創(chuàng)新總結(jié)出了完善我國農(nóng)村金融產(chǎn)品和服務(wù)創(chuàng)新的對策建議。論文研究結(jié)論:(1)我國農(nóng)村金融產(chǎn)品與服務(wù)創(chuàng)新在各個不同層面取得一定的進展。(2)雖然農(nóng)村金融產(chǎn)品創(chuàng)新有不同程度的進展,但是仍存在著一系列的問題。如市場定位認識不到位、金融產(chǎn)品的創(chuàng)新缺乏完整性、相關(guān)配套政策不到位、創(chuàng)新主體單一、激勵制度匱乏以及科技水平較低。(3)面對我國農(nóng)村金融產(chǎn)品所存在的種種問題,在借鑒了美國、法國和孟加拉國的先進農(nóng)村金融產(chǎn)品與服務(wù)創(chuàng)新的經(jīng)驗基礎(chǔ)上,在對楊凌示范區(qū)農(nóng)村金融產(chǎn)品和服務(wù)創(chuàng)新案例進行實證分析的條件下,本文從政府財政、涉農(nóng)金融機構(gòu)、農(nóng)村信用環(huán)境、現(xiàn)代化支付體系、農(nóng)產(chǎn)品互聯(lián)網(wǎng)金融等六方面提出了完善我國農(nóng)村金融產(chǎn)品的服務(wù)與創(chuàng)新的建議。
[Abstract]:At the eighteenth National People's Congress of the Communist Party of China, it was pointed out at the National People's Congress that the focus of our government's work at present is to develop agricultural infrastructure and social undertakings in rural areas, to improve the living standards of farmers and to improve the quality of life of the farmers. Because of the unsound development of the rural financial market and the lack of innovation ability of the new financial products in rural areas, a series of obstacles have been encountered when they carry out credit activities in the rural financial market, which is mainly manifested in the lack of demand for funds, followed by the relatively weak payment system in the rural areas, and the selection of the farmers' financial products. There is a big gap between the limited income sources and the low income of the income source, which has a big gap with the goal of "let the whole Chinese people move into a well-off society in an all-round way". From the economic field, we should improve the rural financial environment, strengthen the innovation of rural financial products and services, for the farmers. The creation conditions of village financial development have very important realistic and theoretical significance for improving the rural financial market and raising the income of the farmers. This paper, starting with the demand of theoretical development and reality, first analyzes the concept development of rural financial products and services, the main contents and related theories, and it is also an analysis of the development of the rural financial products and services. On the basis of the literature review at home and abroad, the present situation of rural financial products and service innovation in China is expounded. Then the problems in the innovation of rural financial products and services in our country include the lack of understanding of the market positioning, the lack of integrity of the innovation of financial products, the lack of relevant supporting policies, and the single innovation subject. The lack of incentive system and low level of science and technology analysis, and find out the constraints that lead to the problem, such as the monopoly of the rural financial market, make the rural financial market lack of effective competition and vitality, the system has disadvantages, the lack of financial innovation foundation, the lack of internal control system, the lack of financial products and services risk control insurance. The quality of the employees in financial institutions is uneven, and the innovation of products and services lacks the support of human resources. At the same time, by drawing on the successful experience and Enlightenment from foreign countries, the paper takes the rural financial products and service innovation cases in the Yangling demonstration area from the rural financial products innovation, the "Yangling model" of rural power production mortgage, and the loan of "order agriculture". Money, intangible assets mortgage loans, and rural financial services innovation - promoting the construction of rural credit system, setting up the construction of rural financial light outlets, carrying out the rural financial knowledge and financial publicity and so on. Finally, the government has issued reasonable financial policies to relax the financial market restrictions on agricultural villages, and the agricultural financial supervision institutions to improve gold. To strengthen the supervision system of products and services, to strengthen the cooperation between the same industry, to encourage the private capital to enter the rural financial market, to establish the correct awareness of innovation, to build a special brand product and to establish a good external environment, to improve the rural credit environment, to accelerate the transformation of the mode of payment, to promote the line and the overall integration of the line and so on. The innovation of village financial products and services summarizes the countermeasures and suggestions to improve the innovation of rural financial products and services. The conclusions are as follows: (1) China's rural financial products and service innovation have made certain progress in different levels. (2) although there are different degrees of progress in the innovation of rural financial products, there are still a series of questions. If the market positioning is not in place, the innovation of financial products is lacking integrity, the relevant supporting policies are not in place, the innovation subject is single, the incentive system is scarce and the level of science and technology is low. (3) in the face of various problems existing in the rural financial products in China, the advanced rural financial products and services in the United States, France and Bangladesh have been used for reference. On the basis of the new experience, in the case of empirical analysis of the case of rural financial products and service innovation in the Yangling demonstration area, this paper puts forward some suggestions on the service and innovation of rural financial products in China from six aspects, such as government finance, agricultural financial institutions, rural credit environment, modern payment system, and agricultural products Internet finance.
【學位授予單位】：西北農(nóng)林科技大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.35

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本文編號：1985367