【摘要】：農(nóng)村金融歷來是我國金融體系中的薄弱環(huán)節(jié),政策性銀行支農(nóng)功能不全、商業(yè)銀行支農(nóng)功能不斷弱化以及農(nóng)村信用社的壟斷與低效,使農(nóng)村金融市場供需嚴(yán)重失衡。為滿足農(nóng)村多元化與多層次金融服務(wù)需要,解決農(nóng)村金融與經(jīng)濟(jì)發(fā)展的脫軌問題,村鎮(zhèn)銀行作為農(nóng)村新型金融機(jī)構(gòu)的核心主體,如雨后春筍般涌現(xiàn)。我國村鎮(zhèn)銀行雖然產(chǎn)生時間不長、規(guī)模不大，但對經(jīng)濟(jì)社會發(fā)展的意義卻非常重大,它是破解農(nóng)村金融困境、微小企業(yè)融資難的突破口，是推進(jìn)城鄉(xiāng)統(tǒng)籌發(fā)展、深化農(nóng)村改革的重要舉措，是激活農(nóng)村金融市場、完善農(nóng)村金融體系和提升農(nóng)村金融服務(wù)水平的有效途徑。因此，研究村鎮(zhèn)銀行發(fā)展現(xiàn)狀、面臨困境及其化解困境的對策，對于促進(jìn)我國村鎮(zhèn)銀行實(shí)現(xiàn)可持續(xù)發(fā)展，具有重要理論意義和現(xiàn)實(shí)價(jià)值。 本文以金融發(fā)展理論和金融創(chuàng)新理論為指導(dǎo)，在借鑒已有研究成果的基礎(chǔ)上，采用規(guī)范分析與實(shí)證分析相結(jié)合、文獻(xiàn)分析與實(shí)地調(diào)查相聯(lián)系等研究方法，對我國村鎮(zhèn)銀行發(fā)展現(xiàn)狀、面臨困境、制度重構(gòu)及其發(fā)展對策進(jìn)行了全面系統(tǒng)研究。首先，對我國發(fā)展村鎮(zhèn)銀行的重要意義進(jìn)行闡述，對村鎮(zhèn)銀行的現(xiàn)狀進(jìn)行研究，并對村鎮(zhèn)銀行發(fā)展的特點(diǎn)進(jìn)行總結(jié)。其次，分析村鎮(zhèn)銀行在發(fā)展中面臨的困境，并從金融制度、農(nóng)村金融生態(tài)、村鎮(zhèn)銀行自身、監(jiān)管部門和政府機(jī)關(guān)等多視角分析產(chǎn)生困境的原因。再次，從監(jiān)管部門、村鎮(zhèn)銀行自身和政府機(jī)關(guān)著手，對我國村鎮(zhèn)銀行擺脫困境進(jìn)行了制度重構(gòu)。最后，從獨(dú)具特色的統(tǒng)籌城鄉(xiāng)改革試驗(yàn)區(qū)的重慶市情出發(fā)，提出了促進(jìn)其村鎮(zhèn)銀行發(fā)展的具有可操作性的政策建議。 本文在借鑒前人已有研究成果基礎(chǔ)上，立足重慶實(shí)際，主要從兩個方面做了創(chuàng)新性探索：一是從理論上探究了我國村鎮(zhèn)銀行發(fā)展面臨的本質(zhì)問題，，并提出了擺脫困境的制度重構(gòu)；二是結(jié)合重慶目前的實(shí)際情況，大膽提出了重慶發(fā)展村鎮(zhèn)銀行的若干政策建議。論文也存在很多不足之處，由于村鎮(zhèn)銀行產(chǎn)生時間不長，理論研究還不夠深入，成功的實(shí)踐模式還不夠多，很多理論問題和實(shí)踐問題還需在今后村鎮(zhèn)銀行改革和發(fā)展過程中不斷探索和不斷完善，這也將成為自己關(guān)注和研究的重點(diǎn)。
[Abstract]:Rural finance has always been a weak link in the financial system of our country. The function of supporting agriculture by policy banks is not complete, the function of supporting agriculture by commercial banks is weakening, and the monopoly and inefficiency of rural credit cooperatives make the supply and demand of rural financial market seriously out of balance. In order to meet the needs of diversified and multi-level financial services in rural areas and to solve the derailment of rural finance and economic development, village banks, as the core subjects of new rural financial institutions, sprang up like bamboo shoots. Although the village and town banks in our country have not been produced for a long time and on a small scale, they are of great significance to the economic and social development. They are the breakthrough points for solving the financial difficulties in rural areas and the financing difficulties for small and medium-sized enterprises, as well as for promoting the overall development of urban and rural areas as a whole. It is an effective way to activate the rural financial market, perfect the rural financial system and improve the level of rural financial service. Therefore, it is of great theoretical significance and practical value to study the present situation of the development of village banks, to face the dilemma and to resolve the difficulties, for promoting the sustainable development of village banks in China. Under the guidance of financial development theory and financial innovation theory, based on the existing research results, this paper adopts the methods of combining normative analysis with empirical analysis, linking literature analysis with field investigation, and so on. This paper makes a comprehensive and systematic study on the present situation of the development of village and town banks in China, the difficulties, the system reconstruction and the development countermeasures. First of all, the importance of the development of village banks in China is expounded, the current situation of village banks is studied, and the characteristics of the development of village banks are summarized. Secondly, this paper analyzes the difficulties faced by the village banks in the development, and analyzes the reasons from the financial system, the rural financial ecology, the village banks themselves, the supervision department and the government agencies. Thirdly, from the supervision department, the village bank itself and the government organ, it reconstructs the system of the village bank to get rid of the predicament. Finally, starting from the Chongqing market situation of the urban and rural reform pilot area, this paper puts forward some operable policy suggestions to promote the development of the village and town banks. On the basis of the previous research results, based on Chongqing's reality, this paper mainly makes innovative exploration from two aspects: the first is to explore theoretically the essential problems facing the development of village and town banks in China. It also puts forward the system reconstruction of getting rid of the predicament, and puts forward some policy suggestions on the development of village and town bank in Chongqing according to the current situation of Chongqing. The thesis also has many shortcomings, because the village bank produces the time is not long, the theory research is not deep enough, the successful practice pattern is not enough, Many theoretical and practical problems need to be continuously explored and perfected in the course of the reform and development of rural banks in the future, which will also become the focus of their own attention and research.
【學(xué)位授予單位】：重慶師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

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