本文選題：普惠金融 + 農(nóng)村金融體系��； 參考：《云南師范大學(xué)》2014年碩士論文

【摘要】：近年來，隨著我國經(jīng)濟(jì)的發(fā)展，金融行業(yè)也得到快速發(fā)展。針對金融行業(yè)，我國在“十二五”期間把國家金融體系的健全、金融服務(wù)的完善作為經(jīng)濟(jì)改革的重要內(nèi)容。而由于我國的經(jīng)濟(jì)發(fā)展不平衡，東西之間、城鄉(xiāng)之間都還存在明顯的差異，金融行業(yè)在農(nóng)村的發(fā)展就是一個(gè)比較薄弱的環(huán)節(jié)，我國要想建立完整的金融體系，，農(nóng)村金融的改革與發(fā)展勢在必行。此外，由于農(nóng)村的經(jīng)濟(jì)普遍比較落后，發(fā)展農(nóng)村金融就是發(fā)展農(nóng)村的經(jīng)濟(jì)核心，勢必會帶動農(nóng)村經(jīng)濟(jì)的發(fā)展，使得我國的社會主義市場經(jīng)濟(jì)體系得到進(jìn)一步完善，對于目前我國的經(jīng)濟(jì)建設(shè)具有重要意義。而目前適應(yīng)我國農(nóng)村現(xiàn)狀、農(nóng)民需求和未來發(fā)展的金融體系就是農(nóng)村普惠金融體系，它結(jié)合我國農(nóng)村的特點(diǎn)而發(fā)展起來的。 就我國農(nóng)村金融現(xiàn)狀為基礎(chǔ)，本文首先闡述了普惠金融的相關(guān)基本理論，主要是介紹了普惠金融的內(nèi)涵、發(fā)展歷程、理論支撐以及對于我國農(nóng)村發(fā)展普惠金融的目標(biāo)和意義。本文以麒麟?yún)^(qū)農(nóng)村作為研究的對象做具體研究說明，就該地區(qū)的經(jīng)濟(jì)發(fā)展?fàn)顩r以及普惠金融的影響作了調(diào)查分析，并總結(jié)出其在發(fā)展普惠金融中遇到的問題，主要包括普惠金融尚未滿足農(nóng)村的金融需求、發(fā)展的金融機(jī)構(gòu)缺乏發(fā)展的可持續(xù)性、發(fā)展普惠金融的環(huán)境沒有健全等等。并就這些問題作了深層探討，導(dǎo)致這些問題發(fā)生的主要原因有：農(nóng)村自身發(fā)展的滯后性、缺乏專業(yè)的人才技術(shù)、長期以來城鄉(xiāng)二元金融結(jié)構(gòu)的限制、在農(nóng)村建立的金融機(jī)構(gòu)還不夠完善、在發(fā)展金融行業(yè)時(shí)當(dāng)?shù)卣腻e(cuò)誤干預(yù)等。此外，本文還就國外成功的農(nóng)村普惠金融發(fā)展模式做了分析并總結(jié)經(jīng)驗(yàn)，結(jié)合麒麟?yún)^(qū)農(nóng)村的發(fā)展現(xiàn)狀，明確了該地區(qū)未來金融發(fā)展的目標(biāo)，要堅(jiān)持為廣大農(nóng)民從提供最近本的金融服務(wù)做起、在發(fā)展普惠金融過程中保持其有效健康和可持續(xù)性、對于政府的參與和管控合理應(yīng)用以實(shí)現(xiàn)其應(yīng)該發(fā)揮的作用。 并以此為基礎(chǔ)總結(jié)出我國應(yīng)該建立一個(gè)有效的普惠金融體系框架，進(jìn)而研究出農(nóng)村普惠金融在我國廣大農(nóng)村應(yīng)該明確的發(fā)展模式和戰(zhàn)略要求。
[Abstract]:In recent years, with the development of China's economy, the financial industry has also developed rapidly. In the period of "12th Five-Year", China has made the sound of the national financial system and the improvement of financial services as an important content of the economic reform. However, there are obvious differences between the East and the west, between the East and the west, because of the unbalanced economic development in China. The development of the financial industry in the rural areas is a relatively weak link. In order to establish a complete financial system, the reform and development of rural finance is imperative. In addition, the development of rural finance is the core of the development of the rural economy because of the rural economy is generally relatively backward. The further improvement of the socialist market economy system is of great significance to the current economic construction of our country. At present, the financial system of farmers' needs and future development is the rural inclusive financial system which is adapted to the current situation of China's rural areas. It is developed in combination with the characteristics of our country's rural areas.
Based on the current situation of rural finance in China, this paper first expounds the basic theory of Inclusive Finance, mainly introducing the connotation, development process, theoretical support and the goal and significance for the development of Inclusive Finance in China's rural areas. The situation of economic development and the influence of Inclusive Finance are investigated and analyzed, and the problems they have encountered in the development of Inclusive Finance are summarized, including the lack of the financial needs of the rural areas, the lack of sustainability of the developing financial institutions, the unsound environment for the development of Inclusive Finance, and so on. The main reasons for these problems are: the lag of the rural development, the lack of professional talent technology, the limitation of the two yuan financial structure in urban and rural areas, the inadequate financial institutions established in the rural areas, the wrong intervention of the local government in the development of the financial industry. Based on the analysis and experience of the rural inclusive financial development model, combined with the present situation of the rural development in Kirin District, the objective of the future financial development in the region is clarified. It is necessary to maintain its health and sustainability in the process of promoting the financial services of the majority of farmers and to participate in and manage the government in the process of developing the inclusive financial process. Control reasonable application to realize the function it should play.
On the basis of this, we conclude that China should establish an effective framework of inclusive financial system, and then study the clear development mode and strategic requirements of rural Inclusive Finance in the vast rural areas of our country.
【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35;F327

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本文編號：2019265