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我国农村金融现状及发展对策研究


other hand,the rural financial system reform and innovation in the development also
exist some problems which
can
not
be
ignored.For example the rural
financial
not
in rural economic
are
high
appeal of society and the policy measures
enough.Objectively,the main
service
objects
of rural finance is the”agriculture,

rural areas
change
of rural economy,its and
and
on
role
has become
increasingly prominent.In-depth discussion
the rural financial problems has very important practical significance.
1、 2、
保密口,在——年解密后适用本授权书。
不保密瓯 (请您在以上相应方框打“4”)/L、
作者签名:女f名乜
秒呼年cl。月邵日
导师签名:‘/P/7侵
ao婶年J/p且坊日
万方数据
摘要
我国农村金融随着农村经济形势的不断发展与变化,其地位与作用日益凸显 出来,深入地探讨和研究农村金融问题有着十分重要的现实意义。 改革开放前后,我国农村金融的发展大致经历了三个阶段:计划经济阶段, 商品经济阶段及目前市场经济阶段。本文从现阶段农村金融的现状出发,深入地 探讨了我国农村金融发展中存在的问题及成因,以及如何解决这些问题的对策与
rural construction as

strategic target

and
task of speeding up the development of
to rural
rural economy.This strategy gives
hard mission
financial.But
the current
situation of the rural finance is not only difficult to meet this requirement.On the contrary,to

certain extent,it restricted the development of rural economy.On the
at
and
the essential connotation
finance in
China.Secondly,Chinese rural
financial
one
also
has many
is that the
problems
present.Mainly displayed in two aspects:on the
The financial situation and development strategy of China Rural by
LIU Y.mlun
A thesis submitted in partial satisfaction of the Requirements for the degree of
hand,it
development of rural
finance
can’t adapt to rural
economic development situation.
Since the party’S”Sixteen”,the central government has made integration of urban and
financial
problems in the
didn’t
subj ective
and
objective reasons.Subjectively,we fmance
pay enough attention to the importance of China’S rural development.It performs in very
definition of rural finance in China is directly related
financial development,ways
to
the direction of the rural
and the
success or
failure.Starting from the situation of
村金融在体制改革、创新发展上还存在着一些不容忽视的问题。比如多层次的农
村金融组织尚不健全,某些主要金融机构的体制改革还不到位,金融产品单一及 农民贷款难等深层次问题还没有得到很好地解决。由于这些问题的存在,制约了
农村经济的发展。再次,我国农村金融发展中存在的问题有着主观与客观上的原
因。主观上,对我国农村金融在农村经济发展中的重要性重视程度不够。表现在 社会呼声很高,政策措施力度还不大;客观上,农村金融的主要服务对象是“三
Master
ofAgricultural Extension
The Finance and
Insurance of Rural
Central
South University of Forestry
and Technology
498 Shaoshan South Road,Tianxin District
Changsha
Hunan
4 1 0004,ER.CHINA
Supervisor Professor ZHU Yulin
October,20 14
万方数据
附录C:学位论文原创性声明与版权使用授权书示例
l㈣Y2㈣76㈣1删98唧3
中南林业科技 大学
学位论文原创性声明
本人郑重声明:所呈交的沦文是本人在导师的指导下独立进行研 究所取得的研究成果。除了文中特另J)JD以标注引用的内容外,本论文 不包含任何其他个人或集体已经发表或撰写的成果作品,也不包含为 获得中南林业科技大学或其他教育机构的学位或证书所使用过的材 料。对本文的研究作出重要贡献的个人和集体,均已在文中以明确方 式表明。本人完全意识到本声明的法律后果由本人承担。
deep。seated
problems
have not
been
solved.Because of these problems,they
IIl
万方数据
restricted the development of rural economy.Next,rural development of China has
OUr country,the rural finance of our country has the basic definition.In the region,it
belongs to rural areas.In function,it mainly services to the”agriculture,rural areas and farmers”.In nature,it has the attribute of the socialist market economy system. This defmition systematically reflects the basic concept of the rural
建议。 首先,准确定义农村金融的概念。对我国农村金融的准确定义,直接关系到
农村金融发展的方向、途径与成败。从我国国情出发,对我国农村金融的基本定
义是:在地域上它属于农村区域;在功能上它主要服务于“三农”:在性质上它 有着社会主义市场经济体制的属性。这一定义,系统地反映了我国农村金融的基
本概念与本质内涵。其次,我国农村金融目前还存在着诸多问题。主要表现在两 大方面:一方面是农村金融的发展与农村经济发展的形势不相适应。党的“十六 大”以来,中央把城乡一体化建设作为加速发展农村经济的一项战略性目标与任 务。这一战略为农村金融赋予了艰巨的使命。但就现状来看,“农村金融”不仅 很难满足这一要求,相反,在一定程度上制约了农村经济的发展。另一方面,农
面,要进一步加大支持“三农”的力度。同时,要严格加强农村金融监管,真正
万方数据
Байду номын сангаас
使农村金融充分发挥促进农村经济发展的应有作用。
关键词:农村金融;经济发展;对策研究
II
万方数据
ABSTRACT
Chinese rural financial with the development and position Research
and farmers”.The object

is still in
vulnerable state in the system of
national economy.It played
Counter role in the development of rural finance.
This paper summarized and
农”,这种对象在国民经济系统中尚处于一种弱势状态,为农村金融的发展起到 了一定的反制性作用。 本文根据我国农村金融所处的现状、当前存在的主要问题及其成因进行归纳 分析,提出了用系统工程的观念研究和探讨我国农村金融发展的对策。即在农村
金融体系建设方面,要进一步深化体制改革,建立健全多层次的农村金融机构与 金融组织;在服务方向方面,要进一步强化服务“三农”责任:在政策与法律层
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