本文關(guān)鍵詞： 城鎮(zhèn)化 農(nóng)村金融 金融抑制 改革　出處：《河南大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：城鎮(zhèn)化建設(shè)是統(tǒng)籌城鄉(xiāng)發(fā)展的關(guān)鍵舉措，也是解決困擾我省經(jīng)濟(jì)社會(huì)健康發(fā)展的“三農(nóng)”問(wèn)題和“二元結(jié)構(gòu)”問(wèn)題的根本手段，對(duì)于實(shí)現(xiàn)與工業(yè)化的良性互動(dòng)、與農(nóng)業(yè)現(xiàn)代化的相互促進(jìn)和協(xié)調(diào)發(fā)展、加快轉(zhuǎn)變經(jīng)濟(jì)發(fā)展方式等都具有不可估量的重要意義。 根據(jù)我省“十二五”規(guī)劃的初步設(shè)想，全省城鎮(zhèn)化率將在2015年達(dá)到48%左右，全省城鎮(zhèn)化率的提高會(huì)帶來(lái)基礎(chǔ)設(shè)施建設(shè)、公共服務(wù)供給以及農(nóng)村勞動(dòng)力轉(zhuǎn)移等多方面的資金需求壓力；農(nóng)村金融行業(yè)應(yīng)充分發(fā)揮其資金融通功能，全力推動(dòng)城鎮(zhèn)化發(fā)展進(jìn)程。但由于我省農(nóng)村和城鎮(zhèn)區(qū)域投融資機(jī)制不健全、金融支持相對(duì)缺失、相關(guān)金融制度落后等現(xiàn)實(shí)，我省城鎮(zhèn)化進(jìn)程將面臨嚴(yán)重的資金制約問(wèn)題。因此,當(dāng)務(wù)之急是構(gòu)建和完善農(nóng)村金融服務(wù)體系，全面推進(jìn)城鎮(zhèn)化建設(shè)。 本文共分為五個(gè)部分。第一部分為緒論，主要介紹了本文的研究背景、國(guó)內(nèi)外研究現(xiàn)狀和研究意義，介紹了本文的研究思路和研究方法；第二部分是文章的理論基礎(chǔ)，介紹了農(nóng)村城鎮(zhèn)化的內(nèi)涵和農(nóng)村金融發(fā)展理論，分析了農(nóng)村金融發(fā)展和農(nóng)村城鎮(zhèn)化之間的互動(dòng)機(jī)制；第三部分著重從供給和需求角度分析農(nóng)村金融各個(gè)主體的行為特征，研究我省在城鎮(zhèn)化建設(shè)過(guò)程中農(nóng)村金融所面臨的主要問(wèn)題以及產(chǎn)生的原因；第四部分介紹了有代表的發(fā)達(dá)國(guó)家（美國(guó)、德國(guó)）和發(fā)展中國(guó)家（印度、孟加拉國(guó)）的農(nóng)村金融模式，并從中得出適合我國(guó)農(nóng)村金融改革的經(jīng)驗(yàn)啟示。第五部分針對(duì)我省農(nóng)村金融出現(xiàn)的問(wèn)題，堅(jiān)持農(nóng)村商業(yè)性金融為主的發(fā)展思路，著力于宏觀層面的外部環(huán)境和農(nóng)村金融體系改革，以及微觀層面農(nóng)村融資模式的創(chuàng)新設(shè)置等，從根本上解決農(nóng)村金融抑制、農(nóng)村金融市場(chǎng)效率低、體系不健全及相關(guān)制度不完善等問(wèn)題，提高我省農(nóng)村金融的改革績(jī)效，，構(gòu)建普惠金融體系，加速城鎮(zhèn)化發(fā)展進(jìn)程。
[Abstract]:Urbanization construction is a key measure to coordinate the development of urban and rural areas, and a fundamental means to solve the problems of "agriculture, countryside and farmers" and "dual structure", which puzzles the healthy development of economy and society in our province. It is a positive interaction between urbanization and industrialization. It is of great significance to promote and coordinate the development of agricultural modernization and accelerate the transformation of economic development mode. According to the preliminary plan of the 12th Five-Year Plan of our province, the urbanization rate of the whole province will reach about 48% in 2015, and the increase of urbanization rate of the province will bring about the construction of infrastructure. The supply of public services and the transfer of rural labor force and other aspects of capital demand pressure; The rural financial industry should give full play to its function of financing and promote the development of urbanization. However, due to the imperfect investment and financing mechanism in rural and urban areas of our province, financial support is relatively lacking. The related financial system is backward and so on, the urbanization process of our province will face the serious fund restriction problem, therefore, the urgent task is to construct and perfect the rural financial service system and promote the urbanization construction in an all-round way. This paper is divided into five parts. The first part is the introduction, mainly introduces the research background, domestic and foreign research status and research significance, introduces the research ideas and methods of this paper; The second part is the theoretical basis of the article, introduced the connotation of rural urbanization and rural financial development theory, and analyzed the interactive mechanism between rural financial development and rural urbanization; The third part focuses on the analysis of the behavior characteristics of each main body of rural finance from the point of view of supply and demand, and studies the main problems and causes of rural finance in the process of urbanization construction in our province. Part 4th introduces the rural financial models of representative developed countries (USA, Germany) and developing countries (India, Bangladesh). From the experience and enlightenment of the rural financial reform in China. 5th part of the rural finance problems in our province, adhere to the development of rural commercial finance mainly thinking. Focusing on the macro level of the external environment and rural financial system reform, as well as the micro-level of rural financing model innovation, such as the fundamental solution to rural financial repression, rural financial market efficiency is low. In order to improve the reform performance of rural finance, construct inclusive financial system and accelerate the development of urbanization, the system is not perfect and the related system is not perfect.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F299.21;F832.35

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本文編號(hào)：1492026