我国农村金融机构改革与创新发展研究

发布时间：2018-03-29 05:05

本文选题：农村金融　切入点：金融机构　出处：《曲阜师范大学》2014年硕士论文

【摘要】：在现代社会中，，金融对于一个国家经济的发展起着至关重要的作用。然而我国的二元经济结构又使得农村经济的发展远远落后于城市，因此，在社会主义新形势下，解决农村经济快速、可持续发展的重任就落在了农村金融的肩上。我国农村经济环境复杂，丰富的土地和人力资源受到农村金融资本不足的制约，无法得到合理有效的配置。农村金融机构的发展也举步维艰，政策性金融惠及民众的政策收效甚微，传统的私人钱庄、高利贷与正规的商业性金融机构并存，农村金融体系有待进一步完善。我国是农业大国，农业人口占总人口的一半以上。只有农村经济水平得到有效提高，农民实现真正富裕，我国的经济发展的总水平才能稳步提升，人民的生活质量的提高才有保障。因此，农村金融机构改革不仅是农村金融发展规律的必然结果，更是我国现阶段经济发展和保障民生的历史选择。本文基于马克思政治经济学和发展经济学关于农村金融的理论研究，通过对我国农村金融机构发展历程的总结，以及对国外农村金融机构发展特点的分析，得出可供我国农村金融机构改革参考的发展路径。
[Abstract]:In modern society, finance plays a vital role in the development of a country's economy. However, the dual economic structure of our country makes the development of rural economy lag far behind that of the city, therefore, under the new situation of socialism, The task of solving the rapid and sustainable development of rural economy falls on the shoulders of rural finance. China's rural economic environment is complex, and the abundant land and human resources are restricted by the shortage of rural financial capital. The development of rural financial institutions is also difficult, the policy of policy finance benefiting the public has little effect, the traditional private banks, usury and formal commercial financial institutions coexist. The rural financial system needs to be further improved. China is a large agricultural country, and the agricultural population accounts for more than half of the total population. The overall level of economic development in China can be steadily improved and the quality of life of the people can be guaranteed. Therefore, the reform of rural financial institutions is not only the inevitable result of the law of rural financial development, This paper, based on the theoretical research of Marx's political economy and development economics on rural finance, summarizes the development course of our country's rural financial institutions. Based on the analysis of the development characteristics of foreign rural financial institutions, the development path for the reform of rural financial institutions in China is obtained.
【学位授予单位】：曲阜师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F273.1

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