本文選題：農(nóng)村金融市場(chǎng)　切入點(diǎn)：正規(guī)金融　出處：《山西財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：近年來(lái),隨著我國(guó)農(nóng)村經(jīng)濟(jì)的迅猛發(fā)展,農(nóng)村金融市場(chǎng)越來(lái)越不適應(yīng)經(jīng)濟(jì)發(fā)展的各項(xiàng)要求,農(nóng)村金融市場(chǎng)資源流失嚴(yán)重、供需矛盾突出、市場(chǎng)競(jìng)爭(zhēng)不充分、低效率等難題嚴(yán)重制約著農(nóng)村經(jīng)濟(jì)發(fā)展。而我國(guó)對(duì)農(nóng)村金融市場(chǎng)建立問(wèn)題越來(lái)越重視,黨的十七大明確提出:“統(tǒng)籌城鄉(xiāng)發(fā)展,推進(jìn)社會(huì)主義新農(nóng)村建設(shè)”,并提出應(yīng)健全農(nóng)村市場(chǎng)和農(nóng)業(yè)服務(wù)體系,推進(jìn)農(nóng)村金融體制改革和創(chuàng)新；黨的十七屆三中全會(huì)由對(duì)建立現(xiàn)代金融制度，構(gòu)建新型農(nóng)村金融體系做出了戰(zhàn)略部署；黨的十八大報(bào)告又提出解決好農(nóng)業(yè)農(nóng)村農(nóng)民問(wèn)題是全黨工作重中之重，城鄉(xiāng)發(fā)展一體化是解決“三農(nóng)”問(wèn)題的根本途徑，周小川同志在解讀十八大報(bào)告時(shí)進(jìn)一步提出要構(gòu)建多層次、廣覆蓋、可持續(xù)的農(nóng)村金融服務(wù)體系。順應(yīng)農(nóng)村金融需求演變趨勢(shì),推進(jìn)農(nóng)村金融體制改革,改善農(nóng)村金融服務(wù),創(chuàng)新適應(yīng)農(nóng)村需求的金融體系,已成為當(dāng)前解決“三農(nóng)”問(wèn)題的迫切需要。 隨著我國(guó)金融市場(chǎng)化進(jìn)程的加快，農(nóng)村金融市場(chǎng)發(fā)生了巨大的變化，，逐步由單一的國(guó)家銀行系統(tǒng)，發(fā)展成政策性銀行、商業(yè)性銀行、農(nóng)村信用社等正規(guī)金融和民間集資、合會(huì)、地下錢(qián)莊等非正規(guī)金融組成的農(nóng)村金融市場(chǎng)。然而，農(nóng)村金融市場(chǎng)發(fā)展仍相對(duì)滯后，本文從太原市農(nóng)村金融市場(chǎng)發(fā)展的供需現(xiàn)狀及存在的問(wèn)題入手,以定性分析和定量研究相結(jié)合為原則,對(duì)太原市農(nóng)村金融市場(chǎng)的現(xiàn)狀進(jìn)行了調(diào)查研究,目的是揭示當(dāng)前太原市農(nóng)村金融市場(chǎng)存在的問(wèn)題和原因并提出相應(yīng)的對(duì)策,為太原市地區(qū)農(nóng)村金融市場(chǎng)的改革、新農(nóng)村建設(shè)以及加快形成城鄉(xiāng)經(jīng)濟(jì)社會(huì)發(fā)展一體化新格局提供一定參考價(jià)值的建議。本研究主要采用問(wèn)卷調(diào)查、實(shí)證檢驗(yàn)與理論分析相結(jié)合的方法通過(guò)對(duì)太原市農(nóng)村金融市場(chǎng)需求和農(nóng)村金融供給現(xiàn)狀調(diào)查,得出太原市農(nóng)村金融市場(chǎng)主要存在的問(wèn)題： 一、農(nóng)村金融市場(chǎng)商業(yè)化運(yùn)作的內(nèi)在矛盾突出。太原市農(nóng)村經(jīng)濟(jì)發(fā)展信貸市場(chǎng)需求面廣,資金需求量大,金融機(jī)構(gòu)在很大程度上滿(mǎn)足不了當(dāng)?shù)剞r(nóng)村經(jīng)濟(jì)的快速發(fā)展所需要的資金需求； 二、農(nóng)村金融市場(chǎng)缺乏有效的資金回流機(jī)制； 三、農(nóng)村金融市場(chǎng)生態(tài)環(huán)境惡化； 四、金融當(dāng)局忽視了對(duì)非正規(guī)金融的引導(dǎo)、監(jiān)督； 五、農(nóng)村金融市場(chǎng)缺乏有效的競(jìng)爭(zhēng)機(jī)制。 針對(duì)太原市農(nóng)村金融市場(chǎng)存在的問(wèn)題提出以下相應(yīng)的對(duì)策： 一、加快農(nóng)村金融市場(chǎng)體制改革，完善農(nóng)村金融市場(chǎng)組織體系； 二、積極推進(jìn)農(nóng)村金融創(chuàng)新，建立健全農(nóng)村金融市場(chǎng)的服務(wù)體系； 三、發(fā)展新農(nóng)村保險(xiǎn)市場(chǎng)，健全農(nóng)業(yè)保險(xiǎn)制度； 四、強(qiáng)化政府的功能定位，尊重農(nóng)村金融市場(chǎng)獨(dú)立性。
[Abstract]:In recent years, with the rapid development of rural economy in our country, the rural financial market is becoming more and more unsuitable for the requirements of economic development. The rural financial market is losing resources seriously, the contradiction between supply and demand is prominent, and the market competition is not sufficient.Low efficiency and other difficult problems seriously restrict the development of rural economy.However, China attaches more and more importance to the establishment of the rural financial market. The 17th National Congress of the CPC has clearly put forward the following words: "coordinate urban and rural development, promote the construction of a new socialist countryside", and put forward that the rural market and agricultural service system should be improved.The third Plenary session of the 17th CPC Central Committee made a strategic plan for the establishment of a modern financial system and the construction of a new rural financial system.In the report of the 18th National Congress of the CPC, it was also pointed out that it is the top priority of the whole party to solve the problem of farmers in agriculture and rural areas, and the integration of urban and rural development is the fundamental way to solve the problem of "three rural areas".In interpreting the report of the 18th CPC National Congress, Comrade Zhou Xiaochuan further proposed to build a multi-level, broad and sustainable rural financial service system.To adapt to the trend of rural financial demand, to promote the reform of rural financial system, to improve rural financial services, and to innovate the financial system to meet the needs of rural areas has become an urgent need to solve the problems of "agriculture, rural areas and farmers".With the acceleration of the process of financial marketization in our country, great changes have taken place in the rural financial market. The rural financial market has gradually changed from a single national banking system to a formal financial and non-governmental fund raising, such as policy banks, commercial banks, rural credit cooperatives, etc.Underground banks and other informal financial composition of rural financial markets.However, the development of rural financial market is still lagging behind. This paper starts with the present situation of supply and demand of rural financial market in Taiyuan and the existing problems, taking the combination of qualitative analysis and quantitative research as the principle.The present situation of the rural financial market in Taiyuan is investigated and studied in order to reveal the existing problems and causes of the rural financial market in Taiyuan and put forward the corresponding countermeasures for the reform of the rural financial market in Taiyuan.New rural construction and accelerating the formation of urban and rural economic and social development of a new pattern to provide some reference value.This research mainly uses the questionnaire, the empirical test and the theory analysis method through the Taiyuan rural financial market demand and the rural financial supply present situation investigation, obtains Taiyuan the rural financial market main existence question.First, the internal contradiction of commercial operation of rural financial market is prominent.Taiyuan rural economic development credit market demand is wide, capital demand is large, financial institutions to a large extent can not meet the needs of the rapid development of the local rural economy.Second, the rural financial market lacks an effective mechanism of capital return;Third, the ecological environment of rural financial market is deteriorating;Fourthly, the financial authorities ignore the guidance and supervision of informal finance;Fifth, the rural financial market lacks effective competition mechanism.In view of the problems existing in the rural financial market of Taiyuan, the following corresponding countermeasures are put forward:First, accelerate the reform of rural financial market system and perfect the organization system of rural financial market;Second, actively promote rural financial innovation, establish and improve the rural financial market service system;Third, develop the new rural insurance market and improve the agricultural insurance system;Fourth, strengthen the function of the government and respect the independence of the rural financial market.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.5;F320

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