【作者】 王刚；

【导师】 董继刚；

【作者基本信息】 山东农业大学 ， 农业推广， 2009， 硕士

【摘要】 农村金融是构成一个国家宏观金融体系的重要组成部分。同时,完善的农村金融服务体系对农村经济与社会发展起着举足轻重的推动作用。然而通过对我国农村金融支持与经济增长的相关性以及农村金融服务体系的发展现状的分析,可以发现目前我国的农村金融服务体系仍然存在着区域发展不平衡、市场化水平低、风险控制能力差、资本供给不足等诸多缺陷,使得农村金融的有效需求受到压制,抑制了我国农村经济和社会的发展。因此,建立一个合理的、有序的、有利于农村经济和社会长期稳定持续发展的农业金融服务体系,己成为当前我国农村经济和社会发展的迫切要求。本文依据经济学、金融学的有关理论,以农村金融的供求平衡为出发点,特别是以增加农村金融供给为研究视角,首先对我国农村经济增长与农村金融支持的相关性进行了分析。其次,深入系统地分析了我国农村金融服务体系的需求主体和供给主体行为及其特征,剖析了我国农村金融服务体系的缺陷及原因,在此基础上,借鉴国外建设和发展农村金融服务体系的经验,提出了我国新型农村金融服务体系的构建原则、目标、路径和内容,包括正规金融组织改革与创新,非正规金融组织构建与完善,最后,提出了完善农村金融服务体系的对策建议。包括要以服务“三农”为方向,坚持政策激励与市场化管理共进的原则;要通过深化政策性金融机构的改革与规范发展民间金融来实现正规与非正规农村金融组织的功能互补和协调发展;要在加大对农业及农村金融的政策扶持的同时大力发展农村保险事业,建立农村贷款保险制度;要在健全农村金融的法制建设的前提下,进一步创新金融产品、拓宽业务范围和服务手段。通过以上措施,建立起适应我国当前农村经济发展的、与我国农村多种金融需求相匹配的、各类金融机构并存、分工合理、功能互补、适度竞争并可持续发展的多元化的新型农村金融服务体系。更多还原

【Abstract】 Rural finance is an improtant part of the national macro-financial system and the sound rural financial service system would play a crucial role in the rural economy and social development. In fact, after the analysis of the relevancy of rurul financial support and economic growth and the current state of rural financial service system, many problems were found: the unbalance of regional development, the low level of marketization, the low control capability of risks and the lack of funds. All of these problems constrain the positive need of rural finance and the rural and social development in our country. Therefore, to establish a reasonable, ordered rural financial service system benefiting the sustainable development of rural economy would be extremely necessary in the rural development and society.Based on the theories of economics and finance, taking as the start the balance of supply and need in rural finance, this thesis firstly made a careful analysis of the relevancy between financial support and economic development from the point of view of rural financial support. Then a careful analysis of the traits and behaviour of main bodies of supply and need in rural financial service system was made. In the meantime, the shortcomings of our rural financial service system and their underlying reasons were analysed in detail. Learning from the experience of the developed countries,this thesis drew a conclusion. The principles, aims, paths and contents for the construction of new rural service system were pointed out, including the reform and innovation of normal financial institutions and the construction and perfection of abnormal financial institutions. The strategies for the perfection of rural financial service system were the followings. The construction of rural financial system is supposed to be oriented for“issues of agriculture, farmer and rural area”and implement the principle of policy stimulus and marketized management; through the further reform of policy financial institutions and standardization of nongovernmental finance, the function of normal and abnormal rural financial institutions wound be complemented and in harmony; both the policy of agriculture and rural finance and the development of rural insurance should be strengthened and the rural insurance and loan system should be set up; by perfecting the construction of legal system, the financial products should be innovated, service fields and ways broadened. Eventually, the new sustainable diversified rural financial service system would be established in which different kinds of financial institutions are in existence, interdepending, complementary and competing, satisfying the financial needs of rural economy.更多还原