【作者】 黄蓓；

【导师】 佘传奇；

【作者基本信息】 安徽大学 ， 金融学， 2011， 硕士

【摘要】 农村金融是现代农村经济的核心,农村金融发展状况的好坏对农村经济的发展有着直接的影响。近几年来,安徽省逐步推进农村金融体制改革,农村金融服务体系得到不断完善,在促进农村经济发展中的作用也越来越重要。但随着农村对金融需求的不断增加,农村金融发展中存在的问题也越来越多。从资金供求的角度来看,农村金融系统对“三农”发展贡献有限,来源于农村金融供给与需求约束的合心力。长期以来,的农村金融机制改革一直倾向于商业化,导致农村信贷资金的供给与需求的严重错位。为此,加强对安徽省的农村金融机制的改革有着重要的意义。目前,“三农”面临着新的发展形势。从外部发展环境来看,中央对“三农”发展环境日益宽松,所以在这种新形势下,“三农”发展不断对资金提出新的要求。探索农村金融服务供给的新渠道,研究新农村建设资金需求的新特点,对构建新农村建设资金配置的新机制有着重要意义。本文以安徽省农村金融作为出发点,对上述问题进行了积极的调查与思考。中国农村的改革始于安徽并成于安徽,改革开放以来经过多次改革,安徽省农村发生了翻天覆地的变化。但近几年来,安徽农村的发展止步不前,原因就是没有出台很有效的农村改革政策,资金投入不够,本质上讲,就是没有建立有效的资金投入机制,金融机构没有在农村发挥其应有的功能。本文认为当前我省的农村金融机制存在着严重的制度缺陷、金融抑制、潜在收益无法内在化等弊端,影响了金融机构整体效益的提高,制约了农村经济的发展。因此,应该对我省农村金融体系实行制度性的变迁,消除农村经济与农村金融发展不平衡的状态,对农村金融制度进行改革,提高农村的金融绩效,支持并促进农村经济的发展。更多还原

【Abstract】 Rural finance is the core of modern rural economy, rural financial development condition quality to a large extent influence the development of rural economy. In recent years, the rural financial system reform in Anhui province promoting rural financial service system gradually, in promoting rural economic role in the development of more and more important. As financial needs in the rural areas has increased, the rural financial problems existing in the development of increasingly prominent. From the perspective of capital supply and demand, the rural financial system to "three agriculture" development limited contribution, originated in rural financial supply constraints and demand constraint fits heart. Long-term since, have tended to commercialization of rural financial system reform, the cause of rural credit funds of supply and demand serious dislocation. Therefore, strengthens to the Anhui rural financial system reform has important significance.At present, the development of "agriculture, countryside and farmers" has facing new situation and space. Judging from external development environment, the central no.1 document continuous 8 years of "agriculture, countryside and farmers" emphasize increase support to the development of "agriculture, countryside and farmers", the development environment is loose. Under the new circumstances, the "three agriculture" development continuously put forward new capital requirements. Research new rural construction fund and explore the new characteristics of demand of rural financial services supply of new channels, and construct the new rural construction of new capital allocation has important practical significance. In this paper, we survey and thinking of above question as a starting point in Anhui province rural finance.China’s rural reform began in Anhui and into in Anhui, since the reform and open policy, after reform, Anhui rural has undergone earth-shaking changes. But in recent years, Anhui rural development immobilized, the reason is not yet available very effective rural reform policy, capital input is insufficient, fundamentally, did not establish effective capital input mechanism, financial institutions can’t in rural play their due function. This paper argues that the current in the rural financial system exists serious financial repression, institutional defects, such as potential revenue cannot internalized the drawbacks, restrict the development of rural economy and affect the overall efficiency of financial institutions. Therefore, should implement system of rural finance system in our province, the change of rural financial system and eliminating the reform of rural finance and rural economy unbalance state, improve the rural financial system performance, support and promote the development of rural economy.更多还原