我国农村金融抑制与金融深化问题研究

【作者】 马兵；

【导师】 李树生；

【作者基本信息】 首都经济贸易大学 ， 金融学， 2004， 硕士

【摘要】 本文立足于金融抑制与金融深化理论，在定性分析我国农村金融体系构成、及结构特征的基础上，对我国农村金融发展现状进行了细致地考察，并将我国农村金融发展的困境归结为农村资金外流和农民贷款难问题两点。进一步反思和分析发现，我国农村金融存在的根本问题是没有一个稳定的、有效的农村金融体系，农村金融抑制现象在各地区不同程度的存在。与其他发展中国家不同的是，我国农村金融抑制是供给与需求双重不足的结果，即我国既有制度供给不足和资源供给不足造成的“供给型金融抑制”，也有农户需求不足、非正规金融对正规金融机构挤出造成的“需求性金融抑制。以实证检验为基础，得出了我国农村金融深化进程落后于全国整体水平10年，落后于世界平均水平30年的判断。本文最后提出了以“需求追随”和“供给优先”混合推进的模式加速我国农村金融深化过程的思路，即以农村金融需求为导向，构建包括中国农业银行、中国农业发展银行、农村信用社和民间金融在内的“四位”一体的新型农村金融体系。 本文共分五部分：引言、我国农村金融现状分析、我国农村金融抑制问题的成因分析、我国农村金融深化的实证检验与路径选择、结论。更多还原

【Abstract】 Based on the theory of the deepening finance, after analyzing the progress of China rural finance deepening, this paper has researched the structure of rural finance system of China and its characteristics. The main problem is there is not a strong and effective financial system that serves for rural economy. Financial Repression blocks the development of the agriculture. This paper then draws some conclusions. In the following chapter this paper deeply analyzes the cause of financial repression. The short of supply and demand for financial services is the main reason. After analyzing FIR of China, we found that the development of rural financial system is slower than urban one. There are two models of finance deepening. One is demand-following, the other is supply-leading. At last chapter, this chapter give some advices for the next progress of China rural finance. We should build a new rural financial system, including Agricultural Bank of China, Agricultural Development Bank of China, Rural Credit Cooperatives and private finance organizations.This paper consists of five chapters, which are preface, the analyzing of rural financial system, the cause of financial repression, the progress of the deepening finance and conclusions.更多还原