本文選題：農(nóng)村支付環(huán)境 + 非現(xiàn)金結(jié)算　； 參考：《西北農(nóng)林科技大學(xué)》2017年碩士論文

【摘要】：農(nóng)村支付環(huán)境體系,作為發(fā)展農(nóng)村金融的前提和基礎(chǔ),是發(fā)展新農(nóng)村經(jīng)濟的重要支撐。完善的農(nóng)村支付環(huán)境體系,不僅可以加快解決農(nóng)村地區(qū)金融服務(wù)滯后的問題,使農(nóng)民享受到與城市居民同等水平的現(xiàn)代化支付體系服務(wù),也可以提高農(nóng)村地區(qū)資金清算效率,推動農(nóng)村經(jīng)濟的發(fā)展。近年來,寧夏農(nóng)村支付環(huán)境建設(shè)在中央、地方各方的支持下取得了一定的進(jìn)展,但仍處于待發(fā)展階段,支付清算基礎(chǔ)設(shè)施、支付手段和支付工具的應(yīng)用依然薄弱。尤其在偏遠(yuǎn)農(nóng)村地區(qū),銀行網(wǎng)點過少、傳統(tǒng)結(jié)算方式絕對主導(dǎo)、非現(xiàn)金支付工具應(yīng)用較低等現(xiàn)象嚴(yán)重,制約了農(nóng)村地區(qū)的經(jīng)濟發(fā)展,掃除農(nóng)村金融服務(wù)空白,完善農(nóng)村支付環(huán)境建設(shè)極為迫切。本文以完善農(nóng)村支付環(huán)境體系建設(shè)為目標(biāo),在梳理國外政府主導(dǎo)、市場主導(dǎo)及移動支付等農(nóng)村支付環(huán)境建設(shè)模式的基礎(chǔ)上,開展薩伊定律、公共產(chǎn)品理論、需求供給理論等理論分析,結(jié)合寧夏農(nóng)村地區(qū)支付環(huán)境建設(shè)現(xiàn)狀,運用SWOT手段分析了寧夏農(nóng)村支付環(huán)境建設(shè)的優(yōu)勢、劣勢、機會和風(fēng)險,構(gòu)建SWOT矩陣提出了實施增長型戰(zhàn)略、扭轉(zhuǎn)型戰(zhàn)略、防御型戰(zhàn)略、多元化戰(zhàn)略的具體途徑與舉措,并選取了增長型戰(zhàn)略和防御型戰(zhàn)略為改善寧夏農(nóng)村支付服務(wù)環(huán)境的策略措施。經(jīng)研究,本文發(fā)現(xiàn)了農(nóng)村支付環(huán)境建設(shè)中存在的助農(nóng)取款服務(wù)點存在安全風(fēng)險隱患、銀行短期逐利性導(dǎo)致銀行機構(gòu)參與積極性不高、農(nóng)村日常消費領(lǐng)域非現(xiàn)金支付程度低、監(jiān)督管理措施難于全面到位、金融消費者權(quán)益保護有待加強等問題,針對性地提出了建立農(nóng)村支付服務(wù)環(huán)境建設(shè)綜合評價體系、合理布局助農(nóng)取款服務(wù)點、加強工作人員培訓(xùn)、加大宣傳推廣、簡化操作流程、推動電子支付創(chuàng)新產(chǎn)品的應(yīng)用普及、強化風(fēng)險監(jiān)督、豐富助農(nóng)取款服務(wù)點功能等完善措施。同時,提出了建立六大保障機制,即:加強和推進(jìn)農(nóng)村支付服務(wù)環(huán)境建設(shè)多部門合作機制、健全農(nóng)村支付服務(wù)環(huán)境建設(shè)獎懲機制、完善農(nóng)村消費者權(quán)益保護機制、加大非現(xiàn)金支付結(jié)算工具創(chuàng)新機制、形成多方聯(lián)動的風(fēng)險預(yù)算機制、建立多種模式的服務(wù)機制等。這些措施對下一步改進(jìn)和完善寧夏農(nóng)村支付環(huán)境體系建設(shè)奠定了經(jīng)驗基礎(chǔ)。
[Abstract]:As the premise and foundation of developing rural finance, rural payment environment system is an important support for the development of new rural economy. A sound rural payment environment system can not only quicken the solution to the problem of lagging financial services in rural areas, enable farmers to enjoy the same level of modern payment system services as urban residents, but also improve the efficiency of fund clearing in rural areas. Promote the development of rural economy. In recent years, the construction of rural payment environment in Ningxia has made some progress with the support of the central government and local parties, but it is still in the stage of development. The application of payment settlement infrastructure, payment means and payment tools is still weak. Especially in remote rural areas, such phenomena as too few bank outlets, absolute dominance of traditional settlement methods and low application of non-cash payment tools have restricted the economic development of rural areas and swept away the gaps in rural financial services. Improving rural payment environment construction is extremely urgent. This paper aims to perfect the construction of rural payment environment system, and on the basis of combing the construction mode of rural payment environment, such as foreign government leading, market leading and mobile payment, carries out Say's law, public goods theory, etc. Based on the theoretical analysis of demand and supply theory, combined with the present situation of payment environment construction in rural areas of Ningxia, this paper analyzes the advantages, disadvantages, opportunities and risks of rural payment environment construction in Ningxia by means of SWOT, and constructs the SWOT matrix to put forward the strategy of implementing growth type. The specific ways and measures of twisting strategy, defensive strategy and diversification strategy are discussed, and the growth strategy and defensive strategy are selected as the strategies and measures to improve the service environment of rural payment in Ningxia. Based on the research, this paper finds out that there are hidden risks in the agricultural withdrawal service points in the construction of rural payment environment. The short-term profit banding of banks leads to the low participation enthusiasm of the banks and the low non-cash payment in the rural daily consumption field. The supervision and management measures are difficult to be fully implemented, and the protection of the rights and interests of financial consumers needs to be strengthened. This paper puts forward the establishment of a comprehensive evaluation system for the construction of rural payment service environment, the rational distribution of service points for agricultural withdrawal, and the strengthening of staff training. Strengthen propaganda, simplify operation flow, promote the popularization of electronic payment innovation products, strengthen risk supervision, enrich the function of agricultural withdrawal service points and other perfect measures. At the same time, it puts forward the establishment of six guarantee mechanisms, that is, to strengthen and promote the multi-sector cooperation mechanism of rural payment service environment, to perfect the reward and punishment mechanism of rural payment service environment construction, and to perfect the protection mechanism of rural consumers' rights and interests. The innovation mechanism of non-cash payment and settlement tools should be strengthened, the risk budget mechanism of multi-party linkage should be formed, the service mechanism of various modes should be established, and so on. These measures lay an empirical foundation for further improvement and improvement of Ningxia rural payment environment system.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 胡晴霞;;淺談甘肅農(nóng)村電子商務(wù)發(fā)展關(guān)鍵要素[J];時代金融;2017年02期

2 楊國梁;;農(nóng)村區(qū)域經(jīng)濟發(fā)展的現(xiàn)狀與策略研究[J];新經(jīng)濟;2016年12期

3 林素云;;支付服務(wù)收費的影響因素研究[J];金融科技時代;2016年02期

4 戚宇濤;施春玲;周晨陽;;江蘇省農(nóng)村支付環(huán)境建設(shè)研究[J];金融縱橫;2016年01期

5 吳敬花;;基于新制度經(jīng)濟理論的農(nóng)村支付制度演變路徑研究[J];農(nóng)村金融研究;2015年12期

6 張蕾;韓萍;;轉(zhuǎn)型時期農(nóng)村金融與經(jīng)濟發(fā)展問題研究[J];農(nóng)業(yè)經(jīng)濟;2015年03期

7 溫秋鵬;;農(nóng)村支付服務(wù)環(huán)境建設(shè)的實踐與思考——以陜西省為例[J];西部金融;2015年02期

8 葉波;曲小剛;;薩伊定律視角下農(nóng)村金融市場分析——以甘肅省為例[J];經(jīng)濟與管理戰(zhàn)略研究;2014年03期

9 曹暉;;新疆農(nóng)村支付環(huán)境發(fā)展問題研究[J];金融發(fā)展評論;2014年12期

10 呂進(jìn)中;;完善農(nóng)村支付服務(wù)體系[J];中國金融;2014年22期

相關(guān)重要報紙文章 前1條

1 萬荃;李體鋒;;促進(jìn)農(nóng)村支付體系建設(shè)實現(xiàn)支付服務(wù)城鄉(xiāng)一體化[N];金融時報;2014年

相關(guān)碩士學(xué)位論文 前5條

1 潘耀華;日照市農(nóng)村支付服務(wù)環(huán)境建設(shè)戰(zhàn)略研究[D];山東師范大學(xué);2014年

2 張怡;陜西農(nóng)村支付服務(wù)體系構(gòu)建研究[D];西北農(nóng)林科技大學(xué);2013年

3 汪琦琦;榆林市農(nóng)村非現(xiàn)金支付工具應(yīng)用研究[D];西北農(nóng)林科技大學(xué);2013年

4 張?zhí)鸬?西部地區(qū)建立普惠性農(nóng)村金融體系研究[D];云南財經(jīng)大學(xué);2010年

5 賀朝暉;金融電子化風(fēng)險及其監(jiān)管問題研究[D];湖南大學(xué);2002年

，

本文編號：1857259