我國農(nóng)村金融創(chuàng)新問題研究
發(fā)布時(shí)間：2018-09-17 12:09
【摘要】：改革開放30多年來,我國農(nóng)村逐漸形成了以正軌金融為主導(dǎo)、非正規(guī)金融為補(bǔ)充農(nóng)村金融體系,從最初的全國幾個(gè)省份試點(diǎn),發(fā)展日趨完善,形成了一定規(guī)模,作為我國農(nóng)村經(jīng)濟(jì)發(fā)展中最為重要的資本要素配置制度,與農(nóng)村經(jīng)濟(jì)發(fā)展相配套,在農(nóng)村經(jīng)濟(jì)發(fā)展中的作用越來越明顯。但是目前我國農(nóng)村金融服務(wù)仍然存在整體水平不高,城鄉(xiāng)差距加大、農(nóng)民收入增長速度慢等問題。鑒于我國現(xiàn)有的農(nóng)村金融體系存在許多缺陷和固有問題,黨的十六屆五中全會上將促進(jìn)農(nóng)村金融發(fā)展提到了相當(dāng)高的重視程度,提出深化我國農(nóng)村金融改革、加大農(nóng)村金融創(chuàng)新是農(nóng)村經(jīng)濟(jì)提速的必要前提,國家開始有步驟的逐步加大支持農(nóng)村金融的健康發(fā)展的力度。本文從我國農(nóng)村金融的發(fā)展和現(xiàn)狀出發(fā),分析了目前我國農(nóng)村金融體系存在的諸多缺陷和問題,指出了這些問題存在的原因,提出了農(nóng)村金融創(chuàng)新的選擇與分析,希望通過國家、地方、個(gè)業(yè)、農(nóng)民自身各方面的政策執(zhí)行和調(diào)整,農(nóng)村金融體系一定會逐步完善與健全,將會為我國農(nóng)村經(jīng)濟(jì)乃至整個(gè)國家的國民經(jīng)濟(jì)的發(fā)展起到積極的推動作用。 本文從提升金融服務(wù)質(zhì)量和效率以及滿足農(nóng)村經(jīng)濟(jì)社會發(fā)展和農(nóng)民多元化金融服務(wù)需求為指導(dǎo)思想,以解決實(shí)際問題為目的,從國內(nèi)外對農(nóng)村金融創(chuàng)新工作的研究、農(nóng)村金融的現(xiàn)狀、存在問題的分析入手,不盲從任何一種觀點(diǎn),通過深入細(xì)致調(diào)查研究,通過典型事例、提出并闡述農(nóng)村金融創(chuàng)新的勢在必行,并就個(gè)人研究結(jié)果結(jié)合國家現(xiàn)行惠農(nóng)政策提出本文的觀點(diǎn)：緊緊抓住創(chuàng)新農(nóng)村金融產(chǎn)品和服務(wù)方式這個(gè)突破口,通過金融系統(tǒng)積極不懈的共同努力,在全國努力創(chuàng)新和普及、推廣一些真正契合農(nóng)村與農(nóng)民實(shí)際需求特點(diǎn)的金融產(chǎn)品和服務(wù)方式,大力創(chuàng)新和完善涉農(nóng)金融服務(wù)新機(jī)制,與時(shí)俱進(jìn)地滿足農(nóng)村多元化金融服務(wù)需求。通過對該論題的研究和分析,能國農(nóng)村金融改革創(chuàng)新能與與其他領(lǐng)域的革新措施協(xié)調(diào)配合,積極穩(wěn)妥地推進(jìn)提供一些建議,農(nóng)村和農(nóng)民得到更多、更實(shí)惠、更便捷的金融服務(wù),讓更多的農(nóng)村中低收入人群享受到現(xiàn)代化金融服務(wù),在更大范圍和更高層次上全面提升農(nóng)村金融綜合服務(wù)水平。
[Abstract]:Over the past 30 years of reform and opening up, China's rural areas have gradually formed a rural financial system dominated by the right track finance, and informal finance as a supplement to the rural financial system. From the initial pilot projects in several provinces throughout the country, the development has become more and more perfect and has formed a certain scale. As the most important allocation system of capital elements in the development of rural economy in our country, it is more and more obvious to match the development of rural economy and play a more and more important role in the development of rural economy. However, there are still some problems in rural financial services, such as low overall level, widening gap between urban and rural areas, slow growth rate of farmers' income and so on. In view of the existence of many defects and inherent problems in the existing rural financial system of our country, the fifth plenary session of the 16th CPC Central Committee raised the importance of promoting the development of rural finance, and proposed to deepen the reform of rural finance in China. Increasing the innovation of rural finance is the necessary premise of increasing the speed of rural economy, and the state has begun to step by step increase the strength of supporting the healthy development of rural finance. Starting from the development and present situation of rural finance in China, this paper analyzes many defects and problems existing in our country's rural financial system, points out the reasons for these problems, and puts forward the choice and analysis of rural financial innovation. It is hoped that through the implementation and adjustment of the policies of the state, the local authorities, the individual industries and the peasants themselves, the rural financial system will surely be gradually improved and perfected. It will play a positive role in promoting the development of our country's rural economy and the whole country's national economy. This paper aims at improving the quality and efficiency of financial services and meeting the needs of rural economic and social development and farmers' diversified financial services, and studies the innovation of rural finance at home and abroad for the purpose of solving practical problems. The present situation of rural finance, the analysis of existing problems, not blindly from any point of view, through in-depth and meticulous investigation and research, through typical examples, put forward and explain the necessity of rural financial innovation. And put forward the point of view of this article on the combination of individual research results and the current favorable agricultural policy of the country: firmly grasp the breakthrough of innovating rural financial products and services, through the active and unremitting joint efforts of the financial system, make great efforts to innovate and popularize in the whole country. We should popularize some financial products and service modes that really meet the characteristics of rural and farmers' actual needs, vigorously innovate and improve the new mechanism of agriculture-related financial services, and meet the needs of diversified financial services in rural areas with the times. Through the research and analysis of this topic, the rural financial reform and innovation can coordinate with the innovation measures in other fields, actively and steadily advance to provide some suggestions, rural and farmers get more, more affordable, more convenient financial services, Let more middle and low income rural people enjoy modern financial services and comprehensively improve the level of comprehensive rural financial services on a larger scale and at a higher level.
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35
本文編號：2245875
[Abstract]:Over the past 30 years of reform and opening up, China's rural areas have gradually formed a rural financial system dominated by the right track finance, and informal finance as a supplement to the rural financial system. From the initial pilot projects in several provinces throughout the country, the development has become more and more perfect and has formed a certain scale. As the most important allocation system of capital elements in the development of rural economy in our country, it is more and more obvious to match the development of rural economy and play a more and more important role in the development of rural economy. However, there are still some problems in rural financial services, such as low overall level, widening gap between urban and rural areas, slow growth rate of farmers' income and so on. In view of the existence of many defects and inherent problems in the existing rural financial system of our country, the fifth plenary session of the 16th CPC Central Committee raised the importance of promoting the development of rural finance, and proposed to deepen the reform of rural finance in China. Increasing the innovation of rural finance is the necessary premise of increasing the speed of rural economy, and the state has begun to step by step increase the strength of supporting the healthy development of rural finance. Starting from the development and present situation of rural finance in China, this paper analyzes many defects and problems existing in our country's rural financial system, points out the reasons for these problems, and puts forward the choice and analysis of rural financial innovation. It is hoped that through the implementation and adjustment of the policies of the state, the local authorities, the individual industries and the peasants themselves, the rural financial system will surely be gradually improved and perfected. It will play a positive role in promoting the development of our country's rural economy and the whole country's national economy. This paper aims at improving the quality and efficiency of financial services and meeting the needs of rural economic and social development and farmers' diversified financial services, and studies the innovation of rural finance at home and abroad for the purpose of solving practical problems. The present situation of rural finance, the analysis of existing problems, not blindly from any point of view, through in-depth and meticulous investigation and research, through typical examples, put forward and explain the necessity of rural financial innovation. And put forward the point of view of this article on the combination of individual research results and the current favorable agricultural policy of the country: firmly grasp the breakthrough of innovating rural financial products and services, through the active and unremitting joint efforts of the financial system, make great efforts to innovate and popularize in the whole country. We should popularize some financial products and service modes that really meet the characteristics of rural and farmers' actual needs, vigorously innovate and improve the new mechanism of agriculture-related financial services, and meet the needs of diversified financial services in rural areas with the times. Through the research and analysis of this topic, the rural financial reform and innovation can coordinate with the innovation measures in other fields, actively and steadily advance to provide some suggestions, rural and farmers get more, more affordable, more convenient financial services, Let more middle and low income rural people enjoy modern financial services and comprehensively improve the level of comprehensive rural financial services on a larger scale and at a higher level.
【學(xué)位授予單位】：中南林業(yè)科技大學(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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