【作者】 刘有全；

【导师】 罗剑朝；

【作者基本信息】 西北农林科技大学 ， 农业经济管理， 2009， 硕士

【摘要】 金融是现代经济的核心,金融体系作为一个国家社会资本形成与有效配置的一种制度安排,其是否合理并具有效率,是关系国民经济能否持续发展的关键。农村金融是以信用手段动员、配置、管理涉农金融资源运行的活动,是农业和农村经济发展的核心。建设社会主义新农村,要求建立健全适应“三农”发展需要的多层次、广覆盖、可持续的农村金融体系,以确保持续增加资金投入和金融资源有效配置。目前,我国农村金融体系结构与运作机制存在严重缺陷,我国农村金融体系的改革一直滞后于农村经济发展的需要,农村金融体系存在的问题非常复杂且十分严重,如金融抑制严重;金融服务效率低下;金融风险不断累积;非规范运行等。本文以农村金融体系为研究对象,着重探讨如何通过金融体系的创新,达到显著增强金融服务“三农”的功能,推动社会主义新农村建设,并实现国民经济又好又快发展。论文以农村金融发展理论、农村金融政策支持理论、农村金融市场理论为指导,运用科学的研究方法,在界定农村金融体系范畴的内涵及特征基础上,考察我国农村金融体系的历史发展,并审视分析我国农村金融体系的现状,指出现有农村金融体系的不足与缺失。由此,提出创新农村金融体系的目标与原则,阐述“三农”发展金融支持的内在逻辑与现实依据,着重探讨商业性金融、政策性金融和合作性金融的运行原理及其支农效应,指出创新农村金融体系,充分发挥金融支农功能,必须从改革现行农村金融机构,创新农村金融组织与业务,加大政策支持力度和加强农村金融监管方面进行深化与拓展。全文共分为六章。第一章导论主要介绍了论文的选题背景、目的与意义、国内外研究动态,阐明本文研究的思路、方法及可能创新点。第二章农村金融体系创新研究的理论基础。主要介绍农村金融体系等概论及农村金融发展等相关理论。第三章国外农村金融体系的实践及启示。本章主要介绍日本合作性金融体系的实践及启示和美国政策性金融体系的实践及启示。第四章我国农村金融体系发展现状及缺失分析。本章主要介绍了我国农村金融体系的变革历程、我国农村金融体系的供给主体与需求主体分析、我国农村金融体系的缺失分析,最后对造成农村金融体系缺失的原因进行分析。第五章我国农村金融体系创新的战略目标、原则及内容。本章主要介绍的我国农村金融体系创新的战略目标及原则,并对政策性金融体系、商业性金融体系及合作性金融体系进行的创新。第六章我国农村金融体系创新的政策建议与对策。提出了构建农村金融政策性保险体系等具体的政策建议与对策。更多还原

【Abstract】 Finance is the core of the modern economy, as the financial system is a institution disposation which can form and allocate effectively social capital, the efficiency of financial system is the key to the sustainable development of national economic.Rural finance is an activity to mobilize, allocate and manage financial resources related to agriculture by credit channel, rural finance is also the core of agriculture and development of rural economy. Diversified , widespread and continuous rural financial system must be established for meeting the needs of development of agriculture,rural areas and farmers in building new countryside of socialism, so as to ensure the continuous increase of funds input and effective allocation of financial resources. At present, there are some shortcoming in rural financial system and its operation mechanism, the reform of rural financial system lags behind the rural finance development, the problems in rural financial system are complicated and serious, such as serious financial fiction, low efficiency of financial system, accumulation of financial risk, irregular operation. The paper takes financial system as its research goal, by means of innovation of financial system , the main purpose is to improve the financial function in solving the problems facing in agriculture, rural area and farmers, to push forward in building new countryside of socialism, finally, to realize the better and rapid development of national economy.Based on the definition of the areas of rural financial system, this paper is guided by the theory of western economics and finance science,. By using the scientific research method, the development history of rural system is studied, the situation of rural financial system is analysed, the shortcoming and shortage of rural financial system are worked out. According the above, the goal and principle of innovation system of the rural financial is put forward, the internal logic and realized evidence are described in financial support in solving the problem of agriculture, rural areas and farmers. The emphasis for discussing is put on operation principle and effect of agricultural support, the commercial finance, policy finance and cooperative finance, for the purpose of innovating rural finance system and using of function for support agriculture, we must reform the current financial orgons in rural areas, and innovate financial organization and business in rural areas, expand policy support ,deepen and extend the supervision in rural finance.This paper can divided into six chapters. The first chapter Introduction The background, purpose,significance,research situation at home and abroad are introduced in this chapter, the thinking and method as well as innovative points in this paper are described.The second chapter The theory foundation of innovative study on financial system in rural areas. The brief introduction to rural financial system etc and the theories related to rural financial development are mainly introducedThe third chapter The inspiration and practice of foreign rural financial system.This part mainly introduce the practice and inspiration of co-operative of the financial system in Japan and the United StatesThe fourth chapter The present situation and lackness analysis of rural financial system in China. This Chapter mainly talks about the changes, analysis of supply and demand bodies of rural financial system in China,finally, the lack of China’s rural financial system is analysed.The fifth chapter The strategic objectives and principles innovation of rural financial system in China.This part mainly talks about strategic objectives and principles about Chinese rural financial system.also the innovation in Policy-oriented financial system、commercial financial system、cooperative in financial system.The sixth chapter The matched treasures for the innovation of rural financial system. the 3 matched treasures in policy insurance system for constructing rural finance are worked out.更多还原