發(fā)布時(shí)間：2019-03-16 10:15

【摘要】：近年來(lái),我國(guó)在加快社會(huì)主義新農(nóng)村建設(shè),增加農(nóng)民收入,提高農(nóng)業(yè)現(xiàn)代化水平方面取得了一定成就。在馬克思主義金融理論的正確指導(dǎo)下,在黨和政府的大力扶持和關(guān)懷下,在全國(guó)人民的共同努力下,中國(guó)農(nóng)村金融經(jīng)過(guò)多年的探索和實(shí)踐,走出了一條具有中國(guó)特色的農(nóng)村金融改革道路,最大程度地滿足了“三農(nóng)”的信貸需求。農(nóng)村金融改革是指改變一切不適應(yīng)農(nóng)村金融發(fā)展的體制、機(jī)制等不利因素,從而使得農(nóng)村金融的作用得到最大程度發(fā)揮,使得農(nóng)村的發(fā)展效果得到最大程度增強(qiáng)。農(nóng)村金融改革在中國(guó)共產(chǎn)黨革命和建設(shè)過(guò)程中具有非同尋常的意義和價(jià)值,在解決農(nóng)村發(fā)展、農(nóng)業(yè)生產(chǎn)和農(nóng)民生活等問(wèn)題上扮演著重要的角色。農(nóng)村金融改革是是對(duì)馬克思主義金融理論發(fā)展的貢獻(xiàn),特別是對(duì)于發(fā)展中國(guó)家而言更具有重要的借鑒價(jià)值。分析和解讀農(nóng)村金融改革不僅是總結(jié)和提煉?cǎi)R克思主義理論在中國(guó)的實(shí)踐發(fā)展,也是更好的總結(jié)農(nóng)村金融改革理論,全面深化農(nóng)村金融改革的需要。但目前中國(guó)農(nóng)村廣大農(nóng)民獲得信貸和金融服務(wù)的權(quán)利沒(méi)有受到根本性的保護(hù),農(nóng)村經(jīng)濟(jì)發(fā)展在很大程度上受到農(nóng)村金融供給不足的制約�；谥袊�(guó)農(nóng)村經(jīng)濟(jì)金融發(fā)展極不均衡的現(xiàn)狀和農(nóng)村改革發(fā)展結(jié)構(gòu)調(diào)整的契機(jī),在農(nóng)村金融體制改革中如何構(gòu)建一個(gè)“多層次、廣覆蓋”的農(nóng)村合作金融體系己成為建設(shè)社會(huì)主義新農(nóng)村必須面對(duì)和解決的問(wèn)題。研究中國(guó)自己的農(nóng)村金融故事,如何以馬克思理論來(lái)指導(dǎo)構(gòu)建具有中國(guó)特色、中國(guó)風(fēng)格、中國(guó)氣派的農(nóng)村金融體系,有利于更好的服務(wù)社會(huì)實(shí)體發(fā)展,更好的為人民的福祉牟利,更好的提高人民生活水平。本文共分為四部分,第一部分概述馬克思主義金融思想的基本內(nèi)容、判斷原則,總結(jié)金融思想的理論基礎(chǔ);第二部分概括我國(guó)農(nóng)村金融改革發(fā)展歷史變遷情況,分析了建國(guó)后、改革開(kāi)放后、深化改革后的農(nóng)村金融體系的發(fā)展;第三部分研究了我國(guó)農(nóng)村金融改革發(fā)展的現(xiàn)狀及面臨的困難與不足,分析我國(guó)農(nóng)村金融改革發(fā)展的金融系統(tǒng)初步形成、農(nóng)村金融服務(wù)體系逐步完善,指出了當(dāng)下存在的農(nóng)村金融發(fā)展與農(nóng)村經(jīng)濟(jì)形勢(shì)不適應(yīng)、金融產(chǎn)品存在單一化現(xiàn)象、信貸服務(wù)效率較低、外部環(huán)境挑戰(zhàn)加劇、法律環(huán)境尚不健全等問(wèn)題;第四部提出了完善我國(guó)金融改革發(fā)展體系的建議,即通過(guò)堅(jiān)持馬克思主義思想的指導(dǎo),堅(jiān)持全面深化農(nóng)村金融體系改革,堅(jiān)持農(nóng)村金融改革市場(chǎng)化導(dǎo)向,不斷創(chuàng)新農(nóng)村金融產(chǎn)品,持續(xù)完善農(nóng)村金融監(jiān)管體系、加強(qiáng)農(nóng)村信用體系建設(shè),改善服務(wù)環(huán)境等措施進(jìn)一步完善我國(guó)農(nóng)村金融發(fā)展。
[Abstract]:In recent years, China has made some achievements in speeding up the construction of new socialist countryside, increasing peasants' income and improving the level of agricultural modernization. Under the correct guidance of Marxist financial theory, under the vigorous support and concern of the Party and the government, and with the joint efforts of the people of the whole country, China's rural finance has been explored and practiced for many years. We have gone out of the way of rural financial reform with Chinese characteristics and met the credit demand of agriculture, rural areas and farmers to the greatest extent. Rural financial reform is to change all the unfavorable factors, such as the system and mechanism, which do not adapt to the development of rural finance, so that the role of rural finance can be maximized, and the effect of rural development will be enhanced to the greatest extent. The rural financial reform plays an important role in solving the problems of rural development, agricultural production and peasants' life, which is of great significance and value in the process of revolution and construction of the Communist Party of China (CPC). Rural financial reform is a contribution to the development of Marxist financial theory, especially for developing countries. To analyze and interpret the rural financial reform is not only to summarize and refine the practical development of Marxist theory in China, but also to summarize the rural financial reform theory better, and to deepen the rural financial reform in an all-round way. However, at present, the rural farmers' right to obtain credit and financial services has not been fundamentally protected, and the development of rural economy is largely restricted by the lack of rural financial supply. Based on the extremely uneven development of rural economy and finance in China and the opportunity of structural adjustment of rural reform and development, how to construct a "multi-level" in the reform of rural financial system, The rural cooperative financial system with broad coverage has become a problem that must be faced and solved in the construction of a new socialist countryside. The study of China's own rural financial story, how to guide the construction of a rural financial system with Chinese characteristics, Chinese style and Chinese style by Marx's theory is conducive to better service to the development of social entities. Better for the well-being of the people, better improve the standard of living of the people. This article is divided into four parts, the first part summarizes the basic content of Marxist financial thought, judgment principle, and summarizes the theoretical basis of financial thought; The second part summarizes the historical changes of rural financial reform in China, analyzes the development of rural financial system after the founding of the people's Republic of China, the reform and opening-up, and the deepening of the reform. The third part studies the present situation and the difficulties and shortcomings of the rural financial reform and development of our country, analyzes the preliminary formation of the financial system of the rural financial reform and development of our country, and improves the rural financial service system step by step. It points out that the present rural financial development does not adapt to the rural economic situation, the financial products are unitary, the efficiency of credit service is low, the challenge of external environment is aggravating, and the legal environment is not perfect and so on. The fourth part puts forward some suggestions to improve China's financial reform and development system, that is, by adhering to the guidance of Marxism, adhering to deepening the reform of the rural financial system in an all-round way, and adhering to the market-oriented orientation of the rural financial reform. Innovation of rural financial products, continuous improvement of rural financial supervision system, strengthening the construction of rural credit system, improving the service environment and other measures to further improve the development of rural finance in China.
【學(xué)位授予單位】：曲阜師范大學(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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