【摘要】：農(nóng)村金融是個世界性難題。為了促進(jìn)農(nóng)村金融發(fā)展,世界各國均對金融機構(gòu)的涉農(nóng)業(yè)務(wù)給予了大力支持,這些支持既包括政府對銀行的補貼和稅收優(yōu)惠等直接支持,也包括政府對改善農(nóng)村金融整體經(jīng)營環(huán)境所作出的巨大努力。農(nóng)業(yè)銀行作為傳統(tǒng)支農(nóng)型銀行,多年來在服務(wù)“三農(nóng)”方面,進(jìn)行了一些有益的探索,取得了一些明顯的成效。但在實踐過程中,也面臨一些突出的問題,主要表現(xiàn)在服務(wù)“三農(nóng)”與商業(yè)運作之間的矛盾。為更好地發(fā)揮其在農(nóng)村金融體系的主渠道和骨干作用,有必要學(xué)習(xí)和借鑒國外政府涉農(nóng)金融服務(wù)支持政策,增強農(nóng)業(yè)銀行支農(nóng)實力,調(diào)動其服務(wù)“三農(nóng)”積極性,增加涉農(nóng)信貸投放,改善涉農(nóng)金融服務(wù),推動農(nóng)村金融發(fā)展,促進(jìn)農(nóng)村經(jīng)濟繁榮。本文重點圍繞農(nóng)業(yè)銀行涉農(nóng)業(yè)務(wù)政策支持進(jìn)行研究,共分為六章。第一章為緒論,主要介紹研究背景及意義、研究內(nèi)容及方法、國內(nèi)外研究現(xiàn)狀、創(chuàng)新及不足。第二章為農(nóng)村金融政策支持理論及發(fā)展,重點介紹了農(nóng)村信貸補貼論、農(nóng)村金融市場論、不完全競爭市場論等三種主要的農(nóng)村金融政策支持理論,其中不完全競爭市場論為政府介入農(nóng)村金融市場奠定了理論基礎(chǔ)。第三章為農(nóng)村金融服務(wù)政策支持的必要性分析及政府責(zé)任,主要從農(nóng)村金融的性質(zhì)、農(nóng)村金融的特征、農(nóng)村金融的現(xiàn)狀等三個角度來闡述對農(nóng)村金融實行政策性支持的必要性,指出由于農(nóng)村金融市場嚴(yán)重失靈,農(nóng)村金融具有弱質(zhì)性,以及農(nóng)村金融具有特殊性,因此政府必須予以介入。并通過向涉農(nóng)金融機構(gòu)提供政策性支持,來解決“三農(nóng)”業(yè)務(wù)的政策性、公益性與商業(yè)銀行的天然逐利性之間的矛盾。第四章重點以農(nóng)業(yè)銀行為例,通過研究其在服務(wù)“三農(nóng)”方面的實踐探索以及存在的問題、遇到的困難,探討政府對涉農(nóng)金融機構(gòu)如何給予政策支持,來調(diào)動金融機構(gòu)服務(wù)“三農(nóng)”的積極性。第五章為農(nóng)業(yè)銀行涉農(nóng)業(yè)務(wù)支持政策的對策建議,介紹了國外政府對涉農(nóng)金融業(yè)務(wù)采取的支持措施,并結(jié)合我國實際,重點從財稅政策、貨幣政策、監(jiān)管政策、風(fēng)險分擔(dān)機制、農(nóng)村金融生態(tài)環(huán)境建設(shè)等方面,對農(nóng)業(yè)銀行涉農(nóng)業(yè)務(wù)政策支持提出對策建議。第六章為總結(jié)部分,對論文的主要觀點進(jìn)行了總結(jié),指出當(dāng)農(nóng)業(yè)銀行涉農(nóng)業(yè)務(wù)的自身運行機制逐步完善后,即使脫離政策性支持也可實現(xiàn)可持續(xù)發(fā)展時,政府的政策性支持可逐步取消和退出。
[Abstract]:Rural finance is a worldwide problem. In order to promote the development of rural finance, countries all over the world have given strong support to the agribusiness of financial institutions, including direct government support for banks and tax concessions. It also includes the government's great efforts to improve the overall operating environment of rural finance. As a traditional agricultural bank, Agricultural Bank has made some beneficial exploration in serving agriculture, rural areas and farmers for many years, and has achieved some obvious results. However, in the process of practice, it also faces some outstanding problems, mainly manifested in the contradiction between service, agriculture, rural areas and commercial operation. In order to give full play to its main channel and backbone role in the rural financial system, it is necessary to study and draw lessons from the foreign government's supporting policies on agriculture-related financial services, strengthen the agricultural bank's strength in supporting agriculture, and mobilize its enthusiasm in serving agriculture, rural areas and farmers. Increase agricultural credit, improve agricultural financial services, promote rural financial development, and promote rural economic prosperity. This paper focuses on agricultural bank policy support related to agriculture, a total of six chapters. The first chapter is the introduction, mainly introduces the research background and significance, the research content and the method, the domestic and foreign research present situation, the innovation and the insufficiency. The second chapter is the theory and development of rural financial policy support, focusing on the introduction of rural credit subsidy theory, rural financial market theory, incomplete competition market theory, three main rural financial policy support theory. The incomplete competitive market theory lays a theoretical foundation for government intervention in rural financial markets. The third chapter is the necessity analysis and government responsibility of rural financial service policy support, mainly from the nature of rural finance, the characteristics of rural finance, the current situation of rural finance to explain the necessity of carrying out policy support to rural finance. It is pointed out that due to the serious failure of rural financial market, the weak nature of rural finance and the particularity of rural finance, the government must intervene. By providing policy support to agricultural financial institutions, the contradiction between the policy, public welfare and the nature of commercial banks is solved. The fourth chapter focuses on the agricultural bank as an example, through the study of its service in the "agriculture, rural areas" and existing problems, the difficulties encountered, explore how the government to give policy support to agricultural financial institutions. To mobilize the financial institutions to serve the "three rural" enthusiasm. The fifth chapter is the countermeasures and suggestions of the agricultural bank's agricultural business support policy, introduces the support measures taken by foreign governments to the agricultural and financial business, and focuses on the fiscal and taxation policy, monetary policy, supervision policy, risk sharing mechanism, combined with the reality of our country, the financial and taxation policy, the monetary policy, the supervision policy and the risk sharing mechanism In the aspect of rural financial and ecological environment construction, the paper puts forward some countermeasures and suggestions on the agricultural policy support of Agricultural Bank. The sixth chapter summarizes the main points of the paper, and points out that when the agricultural bank's own operation mechanism is gradually improved, it can realize sustainable development even if it is divorced from the policy support Government policy support can be phased out and withdrawn.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

【參考文獻(xiàn)】

相關(guān)重要報紙文章 前1條

1 記者 韓雪萌;[N];金融時報;2009年

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本文編號：2383318