【摘要】：隨著我國經(jīng)濟(jì)快速發(fā)展，在新農(nóng)村的建設(shè)過程中我們發(fā)現(xiàn)，農(nóng)村許多地區(qū)出現(xiàn)了金融服務(wù)跟不上時(shí)代的腳步，供求不平衡相對(duì)比較嚴(yán)重，使非法集資及高利貨等有了生長的空間，，所以深入研究農(nóng)村金融服務(wù)產(chǎn)品的供求問題對(duì)于新農(nóng)村建設(shè)和發(fā)展具有重要的現(xiàn)實(shí)意義。本文通過文獻(xiàn)研究、理論分析、實(shí)地調(diào)研等研究方法對(duì)我國農(nóng)村金融服務(wù)產(chǎn)品問題的研究和探討，深入分析當(dāng)前我國農(nóng)村金融服務(wù)產(chǎn)品的現(xiàn)狀、存在的問題，提出解決農(nóng)村金融服務(wù)問題的路徑。 通過對(duì)農(nóng)村金融調(diào)研與分析發(fā)現(xiàn)，農(nóng)村經(jīng)濟(jì)投資渠道單一，農(nóng)民在資金剩余時(shí)，幾乎只能選擇存入銀行，渠道單一，收益率非常低下；另外一方面，農(nóng)民在生產(chǎn)性資金和消費(fèi)性資金的獲得方面都面臨著較多的信貸困難，農(nóng)民需要融資時(shí)往往選擇非正規(guī)渠道來進(jìn)行，融資渠道狹窄造成了資金獲得困難；再者，在現(xiàn)有融資渠道情況下，為了解決資金困境，非正規(guī)金融市場(chǎng)上，資金互助會(huì)、親朋友好友的相互拆借等開始出現(xiàn)，甚至以高利貸的形式無序發(fā)展。 要想促進(jìn)我國農(nóng)村金融服務(wù)發(fā)展，解決我國農(nóng)村金融服務(wù)產(chǎn)品供求平衡，就必須要政府組織引導(dǎo)金融機(jī)構(gòu)、農(nóng)民、市場(chǎng)等主體參與，促進(jìn)農(nóng)村金融服務(wù)市場(chǎng)發(fā)展，宣傳提高農(nóng)民對(duì)金融投資與融資的認(rèn)識(shí)，建立完善的扶助體系，結(jié)合農(nóng)民的實(shí)際特點(diǎn)創(chuàng)新金融產(chǎn)品，讓金融產(chǎn)品容易讓農(nóng)戶接受且簡(jiǎn)便操作，同時(shí)完善信用體系，減少違法違規(guī)現(xiàn)象，促進(jìn)農(nóng)村金融服務(wù)行業(yè)健康發(fā)展。
[Abstract]:With the rapid economic development of our country, in the process of building a new rural area, we have found that financial services in many rural areas have not kept up with the pace of the times, and the imbalance between supply and demand is relatively serious. So it is of great practical significance to study the supply and demand of rural financial service products for the construction and development of new countryside. In this paper, through literature research, theoretical analysis, field research and other research methods of rural financial service products in China, in-depth analysis of the current situation of rural financial services products, existing problems, Put forward the way to solve the problem of rural financial service. Through the investigation and analysis of rural finance, it is found that the channel of rural economic investment is single, the farmers can almost only choose to deposit in the bank when the funds are surplus, the channel is single, and the return rate is very low. On the other hand, farmers are faced with more difficulties in obtaining productive funds and consumer funds. Farmers often choose informal channels when they need to finance, and the narrow financing channels cause difficulties in obtaining funds. Furthermore, in the existing financing channels, in order to solve the financial difficulties, in the informal financial market, mutual financing meetings, friends and friends of the mutual lending began to appear, even in the form of usury disorderly development. In order to promote the development of rural financial services in China and solve the balance between supply and demand of rural financial service products in China, it is necessary for the government to organize and guide financial institutions, farmers and markets to participate in order to promote the development of the rural financial service market. Promoting and improving farmers' understanding of financial investment and financing, establishing a sound support system, innovating financial products in combination with farmers' actual characteristics, making financial products easy for farmers to accept and easy to operate, and perfecting the credit system at the same time, Reduce illegal phenomenon, promote the healthy development of rural financial service industry.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35

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