【摘要】：農(nóng)村金融是農(nóng)村經(jīng)濟(jì)的核心，包括農(nóng)村信用合作社在內(nèi)的金融主體及組織通過(guò)資金的融通激活農(nóng)村市場(chǎng)經(jīng)濟(jì)活力，為農(nóng)村經(jīng)濟(jì)發(fā)展提供資金支持，對(duì)于推進(jìn)農(nóng)村經(jīng)濟(jì)又好又快發(fā)展意義重大。隨著經(jīng)濟(jì)社會(huì)發(fā)展及改革的不斷深化，農(nóng)村金融發(fā)展弊端逐漸凸顯，金融組織結(jié)構(gòu)不盡合理，效率低下，資金流失嚴(yán)重等問(wèn)題嚴(yán)重阻礙了農(nóng)村金融發(fā)展，這對(duì)農(nóng)村金融發(fā)展提出新的要求。雖然新型的農(nóng)村金融組織機(jī)構(gòu)已經(jīng)構(gòu)建，但在實(shí)際經(jīng)濟(jì)社會(huì)運(yùn)行中仍有局限。這些困境及局限性也對(duì)吉林省農(nóng)村金融發(fā)展產(chǎn)生了深遠(yuǎn)影響，一定程度上制約了吉林省農(nóng)村經(jīng)濟(jì)的持久發(fā)展以及社會(huì)主義新村建設(shè)，因此，發(fā)展農(nóng)村經(jīng)濟(jì)必須著眼于農(nóng)村金融，以農(nóng)村金融服務(wù)帶動(dòng)農(nóng)村經(jīng)濟(jì)發(fā)展，探索出一條適合吉林省農(nóng)村經(jīng)濟(jì)發(fā)展的金融服務(wù)發(fā)展體系。 筆者對(duì)近年來(lái)吉林省農(nóng)村金融服務(wù)發(fā)展與創(chuàng)新進(jìn)行了認(rèn)真研究。利用文獻(xiàn)分析法、調(diào)查分析法、規(guī)范分析法等研究方法，以麥金農(nóng)——肖金融抑制與金融深化理論、農(nóng)村金融市場(chǎng)需求理論、供給理論、均衡理論等作為基礎(chǔ)理論，對(duì)農(nóng)村金融、金融服務(wù)、金融創(chuàng)新等概念進(jìn)行界定，闡述了吉林省現(xiàn)行農(nóng)村金融服務(wù)體系的基本結(jié)構(gòu)，對(duì)吉林省農(nóng)村金融服務(wù)目前發(fā)展的情況進(jìn)行了系統(tǒng)分析，提出了制約吉林省農(nóng)村金融服務(wù)發(fā)展的因素，包括融資渠道狹窄、服務(wù)效率低下、投資渠道單一等不足之處。這些問(wèn)題是由于政策法規(guī)不健全、資金缺乏有效競(jìng)爭(zhēng)機(jī)制、融資保險(xiǎn)配套措施不完善等原因所引起的；在此基礎(chǔ)上對(duì)吉林省農(nóng)村金融服務(wù)發(fā)展戰(zhàn)略進(jìn)行剖析，提出了吉林省農(nóng)村金融服務(wù)發(fā)展的目標(biāo)和原則以及吉林省農(nóng)村金融服務(wù)發(fā)展創(chuàng)新的內(nèi)容，包括農(nóng)村信用社改革創(chuàng)新、農(nóng)村金融產(chǎn)品、衍生品和金融服務(wù)創(chuàng)新、引入新型金融機(jī)構(gòu)創(chuàng)新等；最后針對(duì)吉林省農(nóng)村金融服務(wù)存在的問(wèn)題及成因，以發(fā)展目標(biāo)、原則和創(chuàng)新內(nèi)容為向?qū)�，分析了吉林省農(nóng)村金融服務(wù)創(chuàng)新的風(fēng)險(xiǎn)，提出了深化農(nóng)村金融機(jī)構(gòu)改革、加強(qiáng)農(nóng)村金融信貸產(chǎn)品和服務(wù)創(chuàng)新、加大政府對(duì)農(nóng)村金融服務(wù)的投入、加強(qiáng)相關(guān)部門(mén)對(duì)農(nóng)村合作金融的監(jiān)管、完善農(nóng)村金融服務(wù)政策體系等途徑實(shí)現(xiàn)吉林省農(nóng)村金融的健康有序發(fā)展的風(fēng)險(xiǎn)防控措施。 全文共分6章： 第1章：主要介紹了農(nóng)村金融服務(wù)創(chuàng)新的研究背景、目的、意義，國(guó)內(nèi)外研究現(xiàn)狀以及研究的主要內(nèi)容和思路。 第2章：論文研究的相關(guān)概念及理論基礎(chǔ)。該部分從農(nóng)村金融服務(wù)基礎(chǔ)理論出發(fā)，分別界定了農(nóng)村金融、金融服務(wù)、金融創(chuàng)新等相關(guān)概念，以麥金農(nóng)和肖金融抑制與金融深化理論、農(nóng)村金融市場(chǎng)的需求、供給及市場(chǎng)均衡理論等相關(guān)理論作為論文理論依據(jù)，為吉林省農(nóng)村金融服務(wù)發(fā)展創(chuàng)新的研究做好理論鋪墊。 第3章：吉林省農(nóng)村金融服務(wù)發(fā)展現(xiàn)狀及存在的問(wèn)題。該部分通過(guò)分析吉林省農(nóng)村金融服務(wù)體系發(fā)展現(xiàn)狀及存在的問(wèn)題，提出了吉林省農(nóng)村金融服務(wù)存在融資渠道有限、服務(wù)效率低下、投資渠道單一等問(wèn)題，針對(duì)這些問(wèn)題分析了產(chǎn)生這些問(wèn)題的成因，包括政策法規(guī)不健全、金融市場(chǎng)缺乏有效的競(jìng)爭(zhēng)機(jī)制、融資保險(xiǎn)配套措施不完善等，提出相應(yīng)的解決方案及途徑。 第4章：吉林省農(nóng)村金融服務(wù)創(chuàng)新發(fā)展戰(zhàn)略。該部分詳細(xì)分析了吉林省農(nóng)村金融服務(wù)創(chuàng)新的發(fā)展戰(zhàn)略，制定了吉林省農(nóng)村金融服務(wù)創(chuàng)新發(fā)展的目標(biāo)，包括完善農(nóng)村金融服務(wù)制度、普及宣傳和教育加快基礎(chǔ)設(shè)施建設(shè)等；在此基礎(chǔ)上制定了吉林省農(nóng)村金融服務(wù)發(fā)展的原則，包括提高金融服務(wù)效率、降低交易成本、形成利益激勵(lì)機(jī)制等；在發(fā)展目標(biāo)和遵循原則的基礎(chǔ)上，提出了吉林省農(nóng)村金融服務(wù)發(fā)展創(chuàng)新的內(nèi)容，包括農(nóng)村信用社改革創(chuàng)新、農(nóng)村金融產(chǎn)品和金融服務(wù)創(chuàng)新、引入新型金融機(jī)構(gòu)創(chuàng)新等。 第5章：吉林省農(nóng)村金融服務(wù)創(chuàng)新存在的風(fēng)險(xiǎn)及防控措施。主要介紹了吉林省農(nóng)村金融服務(wù)創(chuàng)新存在的風(fēng)險(xiǎn)，并進(jìn)一步分析風(fēng)險(xiǎn)的特點(diǎn)、種類，并結(jié)合吉林省農(nóng)村金融服務(wù)創(chuàng)新的風(fēng)險(xiǎn)提出吉林省農(nóng)村金融服務(wù)創(chuàng)新的風(fēng)險(xiǎn)防控措施。 第6章：結(jié)論。
[Abstract]:The rural finance is the core of the rural economy, and the financial subject and the organization, including the rural credit cooperatives, activate the vitality of the rural market economy through the financing, and provide financial support for rural economic development. With the development of the economic and social development and the deepening of the reform, the development of the rural financial development is becoming more and more prominent. The problems of the structure of the financial organization are not reasonable, the efficiency is low, the capital loss is serious, and so on. Although the new rural financial organization has been constructed, it is still limited in the actual economic and social operation. These difficulties and limitations also have a far-reaching influence on the rural financial development of Jilin Province, which, to some extent, restrict the sustainable development of the rural economy in Jilin Province and the construction of the new socialist village. Therefore, the development of the rural economy must focus on the rural finance. The rural financial service is driven to develop the rural economy, and a financial service development system suitable for the rural economic development of Jilin province is explored. The author has made a serious research on the development and innovation of rural financial service in Jilin province in recent years The research methods such as the literature analysis method, the investigation and analysis method, the standard analysis method, etc. are used as the basic theory for the theory of financial inhibition and financial deepening, the demand theory of the rural financial market, the supply theory, the equilibrium theory and so on. This paper defines the concept of the current rural financial service system in Jilin Province, expounds the basic structure of the current rural financial service system in Jilin Province, analyses the situation of the current development of the rural financial service in Jilin Province, and puts forward the factors that restrict the development of the rural financial service in Jilin Province, including the narrow financing channel. It is narrow, the service efficiency is low, the investment channel is single and so on The problems are caused by the imperfection of the policies and regulations, the lack of effective competition mechanism of the funds, the imperfect of the financing insurance, and the development strategy of the rural financial services in Jilin Province. In this paper, the goals and principles of the development of rural financial services in Jilin Province and the contents of the development and innovation of rural financial services in Jilin Province are put forward, including the innovation of rural credit cooperatives, rural financial products, derivatives and financial service innovation, and the introduction of new financial institution innovation. Finally, aiming at the problems and the causes of the rural financial service in Jilin Province, the paper analyzes the risk of the innovation of the rural financial service in Jilin Province, and puts forward the reform of the rural financial institutions and the strengthening of the rural financial credit products and services. New and strengthened the government's input to the rural financial services, strengthen the supervision of the relevant departments to the rural cooperative finance, improve the rural financial service policy system and so on, and realize the risk prevention and control measures of the healthy and orderly development of the rural finance in Jilin Province Full text Chapter 6: Chapter 1: The background, purpose and significance of the innovation of the rural financial service are mainly introduced, and the research situation and the main research of the research are mainly introduced. content and thought. Chapter 2: Related to the study of the paper Based on the basic theory of rural financial service, this part defines the related concepts such as rural finance, financial service, financial innovation and so on. The theory of demand, supply and market equilibrium of financial market, as the theoretical basis of the thesis, is a research on the innovation of the development of rural financial services in Jilin Province. The third chapter: the development of rural financial services in Jilin Province Based on the analysis of the present situation and existing problems of the rural financial service system in Jilin Province, this paper puts forward some problems such as limited financing channel, low service efficiency and single investment channel in the rural financial service in Jilin Province, and analyzes the problems. The cause of these problems, including the non-sound policies and regulations, the lack of effective competition mechanism in the financial market, the imperfect supporting measures of the financing insurance, etc. Solutions and approaches to be provided. Chapter 4: Jilin Province Agriculture This part analyses the development strategy of the rural financial service innovation in Jilin Province, and sets out the goal of the innovation and development of the rural financial service in Jilin Province, including the improvement of the rural financial service system, the popularization of publicity and the popularization of the rural financial service innovation. On this basis, the principles of the development of rural financial services in Jilin Province, including the improvement of the efficiency of financial services, the reduction of transaction costs and the formation of the incentive mechanism, are put forward, and the rural areas of Jilin Province are put forward based on the development goal and the principle of follow-up. The content of the innovation of financial service development, including the innovation of the rural credit cooperatives, the rural financial products and the financial service innovation, The introduction of new financial institution innovation, etc. Chapter 5: Rural Financial Services in Jilin Province The paper mainly introduces the risk of the innovation of the rural financial service in Jilin Province, and further analyzes the characteristics and types of the risks, and puts forward the rural financial service innovation in Jilin Province and puts forward the rural areas of Jilin Province. financial service innovation
【學(xué)位授予單位】：吉林大學(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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9 本報(bào)記者 王漢 編輯整理;農(nóng)村金融，一塊等待開(kāi)墾的熱土[N];中國(guó)城鄉(xiāng)金融報(bào);2007年

10 本報(bào)記者　 董文勝;三大因素阻礙農(nóng)村金融發(fā)展[N];中國(guó)證券報(bào);2006年

相關(guān)博士學(xué)位論文 前10條

1 謝瓊;農(nóng)村金融：體制突破與機(jī)制改進(jìn)[D];華中農(nóng)業(yè)大學(xué);2009年

2 卞靖;我國(guó)農(nóng)村金融供求失衡深層機(jī)理研究[D];中共中央黨校;2010年

3 吳斌;中國(guó)社會(huì)轉(zhuǎn)型背景下農(nóng)村金融發(fā)展研究[D];武漢大學(xué);2010年

4 梁邦海;我國(guó)農(nóng)村金融市場(chǎng)及其效率研究[D];西北農(nóng)林科技大學(xué);2009年

5 李喜梅;基于功能視角的我國(guó)農(nóng)村金融發(fā)展研究[D];湖南大學(xué);2007年

6 桑瑜;基于組織創(chuàng)新的農(nóng)村金融發(fā)展研究[D];中共中央黨校;2012年

7 李U，

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