本文選題：農(nóng)村金融 + 信息不對(duì)稱　； 參考：《吉林財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：三農(nóng)問(wèn)題,始終關(guān)乎國(guó)家糧食安全與社會(huì)穩(wěn)定,是中國(guó)社會(huì)經(jīng)濟(jì)發(fā)展的首要問(wèn)題,也是實(shí)現(xiàn)兩個(gè)百年目標(biāo),推動(dòng)中國(guó)經(jīng)濟(jì)又好又快全面發(fā)展必須要攻克的堡壘。中央一號(hào)文件連續(xù)13年聚焦三農(nóng),足以說(shuō)明黨中央對(duì)三農(nóng)問(wèn)題的重視,也足以說(shuō)明三農(nóng)問(wèn)題在建設(shè)小康社會(huì)進(jìn)程中的重要程度。然而,由于城鄉(xiāng)差距逐年擴(kuò)大,農(nóng)村金融的抑制問(wèn)題不斷涌現(xiàn)。農(nóng)民收入不高,農(nóng)民抵押物缺乏,農(nóng)村金融項(xiàng)目成本較高,農(nóng)民經(jīng)營(yíng)規(guī)模較小,使得金融機(jī)構(gòu)對(duì)開(kāi)展農(nóng)村金融項(xiàng)目的積極性不高等,都造成了作為現(xiàn)代經(jīng)濟(jì)的潤(rùn)滑劑的金融業(yè),在農(nóng)村發(fā)展嚴(yán)重滯后,農(nóng)村金融體系尚不能滿足日益多樣化的農(nóng)村金融需求。對(duì)比于城市金融創(chuàng)新制度的不斷試水和個(gè)性化金額產(chǎn)品的不斷涌現(xiàn),城市金融涌現(xiàn)出制度穩(wěn)定性良好、資產(chǎn)質(zhì)量高、金融工具創(chuàng)新、監(jiān)管不斷完善的新特征。相對(duì)于信息閉塞的農(nóng)村地區(qū),經(jīng)濟(jì)發(fā)展速度逐年拉開(kāi)差距。因此,大數(shù)據(jù)時(shí)代,隨著傳播手段的變革,信息傳播的手段、模式都發(fā)生了根本性的變化。2016年的中央一號(hào)文件新增互聯(lián)網(wǎng)現(xiàn)代農(nóng)業(yè)概念的提出,為解決農(nóng)村金融的發(fā)展問(wèn)題提供了嶄新的思路。本文主要探索農(nóng)村金融創(chuàng)新滯后的相關(guān)因素,圍繞信息不對(duì)稱這一滯后原因展開(kāi)分析,對(duì)比新數(shù)據(jù)時(shí)代城市金融結(jié)合新媒體傳播的有效創(chuàng)新手段,為加快實(shí)現(xiàn)互聯(lián)網(wǎng)金融在農(nóng)村地區(qū)的普及推廣提出相關(guān)建議與解決思路,以使用新媒體手段促進(jìn)農(nóng)村電子商務(wù)發(fā)展為主要突破口,進(jìn)而探索農(nóng)村金融創(chuàng)新發(fā)展的有效途徑,找出適應(yīng)當(dāng)前形勢(shì)的創(chuàng)新點(diǎn),加大農(nóng)村金融創(chuàng)新的力度,解決農(nóng)村金融創(chuàng)新的瓶頸問(wèn)題,進(jìn)而推動(dòng)農(nóng)村金融的蓬勃發(fā)展。本文引入現(xiàn)代傳播學(xué)來(lái)研究農(nóng)村金融創(chuàng)新問(wèn)題,這無(wú)疑是給金融學(xué)研究注入了新的源泉,從全新的角度來(lái)豐富和發(fā)展現(xiàn)代金融學(xué)。從這一角度深入挖掘農(nóng)村地區(qū)信息不對(duì)稱問(wèn)題所導(dǎo)致的金融困境,以新媒體傳播方式進(jìn)行進(jìn)行理論創(chuàng)新和實(shí)踐創(chuàng)新,有效地為解決農(nóng)村金融供求發(fā)展困境提供學(xué)術(shù)研究思路。
[Abstract]:The issue of agriculture, rural areas and farmers is always related to the national food security and social stability, is the first issue of China's social and economic development, but also to achieve two hundred years of goals, to promote the sound and rapid development of China's economy must conquer the fortress.The first document of the Central Committee has focused on agriculture, countryside and farmers for 13 consecutive years, which is enough to explain the importance of the issue of agriculture, rural areas and farmers in the process of building a well-off society.However, as the gap between urban and rural areas expands year by year, the suppression of rural finance is constantly emerging.The low income of farmers, the lack of collateral for farmers, the high cost of rural financial projects and the small scale of farmers' management have made financial institutions not highly motivated to carry out rural financial projects, all of which have resulted in the financial industry as the lubricant of the modern economy.In the rural development lags behind, the rural financial system can not meet the increasing variety of rural financial needs.Compared with the constant trial of urban financial innovation system and the continuous emergence of individualized amount of money products, the new features of good stability of urban financial system, high quality of assets, innovation of financial instruments and continuous improvement of supervision are emerging.Compared with the rural areas where information is blocked, the pace of economic development is widening year by year.Therefore, in the era of big data, with the transformation of the means of communication, the means and modes of information dissemination have all undergone fundamental changes. In 2016, the Central Committee No. 1 document added the concept of modern Internet agriculture.In order to solve the development of rural finance to provide a new way of thinking.This paper mainly explores the relevant factors of the lag of rural financial innovation, analyzes the lagging reasons of information asymmetry, and compares the effective innovative means of urban finance combined with new media communication in the new data age.In order to speed up the popularization and popularization of Internet finance in rural areas, this paper puts forward relevant suggestions and solutions, takes the use of new media to promote the development of rural electronic commerce as the main breakthrough, and then explores the effective way of rural financial innovation and development.Find out the innovation points that adapt to the current situation, increase the strength of the rural financial innovation, solve the bottleneck problem of the rural financial innovation, and then promote the vigorous development of the rural finance.This paper introduces the modern communication theory to study the rural financial innovation, which undoubtedly injects a new source into the finance research and enriches and develops the modern finance from a new angle.From this point of view, the financial dilemma caused by the information asymmetry in rural areas is deeply excavated, and the theoretical and practical innovations are carried out by means of new media communication, which can effectively provide academic research ideas for solving the dilemma of the development of rural financial supply and demand.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.35

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