【摘要】：從我國政府制定的"實(shí)現(xiàn)全民小康"的目標(biāo)相關(guān)政策就可以看出,促進(jìn)農(nóng)村金融發(fā)展已經(jīng)成為了全民都關(guān)注的焦點(diǎn)問題,十八大報(bào)告中明確指出,進(jìn)一步優(yōu)化我國金融發(fā)展體制,并推進(jìn)金融創(chuàng)新,從而完善金融監(jiān)管制度,進(jìn)而保障金融經(jīng)濟(jì)得到穩(wěn)定的發(fā)展,進(jìn)一步表明了政府充分對(duì)改善農(nóng)村人民生活的重視,實(shí)行農(nóng)村金融改革的本質(zhì)目的就是為農(nóng)村人民提供更好的金融服務(wù)。新型農(nóng)村金融機(jī)構(gòu)的出現(xiàn),已成為改善我國當(dāng)前農(nóng)村金融市場的重要手段,受到政府部門的高度重視。并且我國新型農(nóng)村金融機(jī)構(gòu)主要是面向的較為偏遠(yuǎn)的所有的農(nóng)村地區(qū),且以地方的中小型企業(yè)和農(nóng)戶為基礎(chǔ),為農(nóng)村經(jīng)濟(jì)發(fā)展提供資金,滿足現(xiàn)代農(nóng)村金融發(fā)展的基本需要。我國當(dāng)前農(nóng)村地區(qū)金融供給困難使得農(nóng)村中小企業(yè)與農(nóng)戶不能有效滿足自身的資金缺口,因此,政府以及監(jiān)管部門應(yīng)重視農(nóng)村金融監(jiān)管工作,統(tǒng)一的將新型農(nóng)村金融機(jī)構(gòu)各方面的監(jiān)管管理工作作為核心任務(wù)來實(shí)施,進(jìn)一步改善現(xiàn)有的沖村金融體系,從而快速的推動(dòng)國內(nèi)農(nóng)村經(jīng)濟(jì)的發(fā)展進(jìn)程,實(shí)現(xiàn)農(nóng)業(yè)經(jīng)濟(jì)繁榮昌盛的目標(biāo),這亦是良好的改變國內(nèi)現(xiàn)有的農(nóng)村經(jīng)濟(jì)發(fā)展局面工作中的一項(xiàng)核心任務(wù)。本文在對(duì)當(dāng)前我國新型農(nóng)村金融機(jī)構(gòu)發(fā)展現(xiàn)狀以及存在問題深入的展開了分析與研究,在此基礎(chǔ)上,進(jìn)一步剖析了新型農(nóng)村金融機(jī)構(gòu)在政府監(jiān)管中存在相關(guān)法律規(guī)制不完善;外部監(jiān)管體制不健全;金融市場混亂,監(jiān)管困難等問題。深入研究了出現(xiàn)這類問題的原因主要是立法層級(jí)較低,操作性不強(qiáng);監(jiān)管主體力量單一;監(jiān)管目標(biāo)脫離"支農(nóng)"初衷;監(jiān)管內(nèi)容規(guī)定粗糙四個(gè)方面。文章分別借鑒德國、美國和日本三個(gè)國家的農(nóng)村金融體系的監(jiān)管先進(jìn)經(jīng)驗(yàn)與啟示,結(jié)合我國當(dāng)前新型農(nóng)村金融機(jī)構(gòu)的發(fā)展現(xiàn)狀,運(yùn)用農(nóng)村金融市場論、普惠金融、合作金融、政府與市場關(guān)系以及政府規(guī)制等相關(guān)理論,提出完善新型農(nóng)村金融機(jī)構(gòu)政府監(jiān)管的對(duì)策,即:完善相關(guān)法律法規(guī);健全政府監(jiān)管體制;堅(jiān)定政府監(jiān)管目標(biāo);規(guī)范新型農(nóng)村金融機(jī)構(gòu)的監(jiān)管內(nèi)容。
[Abstract]:From the policies related to the goal of "achieving a well-off society for all" formulated by the Chinese government, it can be seen that promoting rural financial development has become the focus of attention of the whole people. It was clearly pointed out in the report of the 18th National Congress. Further optimizing our country's financial development system and promoting financial innovation, thus improving the financial supervision system, thereby ensuring the stable development of the financial economy, further demonstrating that the government attaches full importance to improving the lives of the rural people. The essential purpose of rural financial reform is to provide better financial services for rural people. The emergence of new rural financial institutions has become an important means to improve the current rural financial market in China, and has been highly valued by government departments. And the new rural financial institutions are mainly for the more remote rural areas, and on the basis of local small and medium-sized enterprises and farmers, to provide funds for rural economic development, to meet the basic needs of modern rural financial development. At present, the difficulties of financial supply in rural areas make rural small and medium-sized enterprises and farmers unable to meet their own funding gap effectively. Therefore, the government and the regulatory authorities should attach importance to the supervision of rural finance. Unifying the supervision and management work of various aspects of the new rural financial institutions as the core task to further improve the existing Chong Village financial system, thus rapidly promoting the development of the domestic rural economy. To achieve the goal of prosperity of agricultural economy is also a core task in the work of changing the current situation of rural economic development in China. Based on the analysis and research on the current situation and problems of the new rural financial institutions in China, this paper further analyzes the imperfections of the relevant laws and regulations in the government supervision of the new rural financial institutions. External regulatory system is not perfect; financial market chaos, regulatory difficulties and other problems. The main reasons for this kind of problems are low legislative level, not strong operability; single supervision body; supervision goal from the original intention of "supporting agriculture"; rough regulation content provisions four aspects. The article draws lessons from the advanced experience and enlightenment of the rural financial system in Germany, the United States and Japan, and combines the current development situation of the new rural financial institutions in our country, and applies the theory of rural financial market, inclusive finance, cooperative finance, and so on. Related theories such as the relationship between government and market, government regulation and so on, are put forward to improve the government supervision of new rural financial institutions, that is, to perfect the relevant laws and regulations; Improve the government supervision system; strengthen the goal of government supervision; standardize the content of the new rural financial institutions.
【學(xué)位授予單位】：內(nèi)蒙古農(nóng)業(yè)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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