山西省县域经济发展中的金融服务问题研究

发布时间：2017-12-31 04:06

本文关键词：山西省县域经济发展中的金融服务问题研究　出处：《山西财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：县域经济是国民经济中与城市经济相对应的基本经济单元，是以县域为中心、乡镇为纽带、县域为腹地的区域经济；是以县域政权为主体，优化资源配置获取竞争优势的特色区域经济。县域金融是现代县域经济的核心。为推动县域经济的发展，就要提高县域金融服务水平。但由于各种原因使得县域金融机构体系不完善、国有商业银行进行商业性转型进而撤出农村地区、农发行也逐步收缩了其政策支农业务、县域地区的储蓄存款被转移到发达地区，民间融资不规范利息高加重了农民的负担，进而加剧了县域地区资金的严重不足。本文从山西省县域经济发展中金融服务水平分析县域金融存在的问题并提出思考，希望可以提高山西省县域金融服务水平，更好地服务于县域经济。本文共分六章节内容：第一章为导论，主要阐述了选题背景、研究意义和研究思路。第二章介绍了国内外关于金融与经济、县域金融服务与县域经济的发展理论研究综述。第三章分析了山西省县域金融服务现状，包括县域金融服务的内涵，县域金融服务的机构设置、产品供给等方面的内容。第四章提出山西省县域金融服务中存在的问题，，包括金融服务体系不健全、资金外流现象严重、产品结构不合理等，并对产生问题的原因进行分析。第五章通过分析问题及原因，找出解决金融服务问题的对策，首先是完善县域金融体系，其次要创新金融服务工具，优化县域生态环境。希望本论文的研究成果能为县域金融更好地服务县域经济提供参考，使县域经济又好又快发展。
[Abstract]:The county economy is the basic economic unit corresponding to the urban economy in the national economy . It is the regional economy in which the county is the center , the town is the bond and the county is hinterland ; it is the characteristic regional economy with the county power as the main body and optimizing the resource allocation to obtain the competitive advantage . County finance is the core of the modern county economy . In order to promote the development of county economy , it is necessary to improve the level of county level financial services . However , because of various reasons , the system of county - owned commercial banks is not perfect , the commercial transformation of state - owned commercial banks in turn out of the rural areas , and the agricultural distribution has gradually shrunk its policy - supporting business , and the non - standard interest rate of folk financing has been transferred to the developed regions . This paper analyzes the problems of county finance from the level of financial services in the county economic development of Shanxi Province and puts forward some thinking , hoping to improve the level of county level financial services in Shanxi Province and better serve the county economy . The first chapter introduces the background of topic selection , the significance of research and the thought of research . The second chapter introduces the development theory of finance and economy , county financial services and county economy at home and abroad . The third chapter analyzes the current situation of county - level financial services in Shanxi Province , including the connotation of county - level financial services , the establishment of county - level financial services , the supply of products and so on . The fourth chapter puts forward the problems existing in the county - level financial services of Shanxi Province , including the imperfect financial services system , the serious phenomenon of capital outflow , unreasonable product structure and so on , and analyzes the causes of the problems . The fifth chapter analyzes the problems and causes , finds out the countermeasures to solve the financial services problem , firstly , perfect the county financial system , secondly , to innovate the financial services tools , and optimize the county - domain ecological environment . It is hoped that the research results of this paper can provide reference for county - level finance to better serve the county economy , so that the county economy will develop quickly and quickly .

【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127;F832.7

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