农村金融保护研究

【作者】 张海燕；

【导师】 凌江怀；

【作者基本信息】 华南师范大学 ， 西方经济学， 2005， 硕士

【摘要】 我国农村中存在着“双重信贷配给”:一是麦金农意义上的由于政府的管制造成的供给不足,二是转轨过程中金融机构的市场化改革,金融机构的理性选择造成的农村金融萎缩。农业在国民经济中重要地位及其产业的特殊性决定了我们必须保护农村金融的发展。文章从理论与实践的结合上,论证了必须实施农村金融保护和支持,并通过借鉴国外农村金融保护的做法,结合我国农村金融的具体情况,认为我国的农村金融保护和支持,可以采取“金融约束”的手段,一是提供制度金融在机构设置方面来保证农村金融供给:(一) 农村政策性金融支持农业体系的调整与加强,主要为商业性金融机构提供租金机会,从利益上调动它们对农村金融保护的积极性;(二) 农村信用社的改革必须以“三农”为导向;(三)设立政策性的农业保险。二是对农村金融保护提供制度保证,加快农村金融法律法规建设,确保农村金融机构免于不合理的行政干预提供法律保护,同时也对农村金融机构进行法律约束,为人民银行等金融监管机构的监管提供法律依据,更好地防范和化解农村金融风险。更多还原

【Abstract】 It exists " dual credit allocation" in the countryside: the first is McKinnon’s financial repress because of the governmental control, the second reason is rural finance institution’s reasonable choice when the planned-economy turn to market-oriented economy result in the outflows of the capital from rural area. The capital of rural area is scarce increasingly. Agriculture is important in the development of economy. We must protect the financial development in village. The dissertation stand on the point that we should protect and sustain development of rural finance from the combination of theory and practice, and article get lessons from the financial protective practice way in abroad, joining together the rural financial circumstance in our country, we can protect the rural finance by the following way:The first is that we supply a full organization framework to ensure the rural finance supply.1、 We can ensure the rural finance supply by adjust and enhance sustains by the institutional finance, the main way is supply rent opportunity for commercial bank, induce they supply finance for the "peasant, agricultural and countryside". 2、 The reformation of the Rural Credit Cooperatives must guidedby serve for" farmers, agriculture and rural". 3、 Establish the policy agriculture insurance.The second way is provided policy guarantee to the rural finance protection, accelerate the process of rural financial law, insure the rural financing institution free from unreasonable administration interferes, also supply law framework for monitor organization the rural financing institution. Decrease and dissolve the financial risk in rural.更多还原