【作者】 李海波；

【导师】 佘传奇；

【作者基本信息】 安徽大学 ， 金融学， 2011， 硕士

【摘要】 经济的发展离不开金融的支撑,金融是现代国民经济的核心,对国民经济的发展起着重要的推动作用。农业是国民经济的基础,无农不稳,它的发展直接决定着国民经济发展的全局,因此农业的基础产业地位性质决定其在今后相当长的一段时间内仍将是政府工作的重点,着力解决农业发展中的资金问题是促进传统农业走向现代农业的重要保障。大量的研究已经表明,农村金融的发展对农业发展有着明显的促进作用。但是由于农业产业的弱质性和城乡二元结构等原因,我省农业发展长期处于压制状态,农业发展长期受到资金不足的困扰,极大地制约了我省农业经济的发展。因此,改善农村金融现状,提升农村金融服务水平,为农业发展建立一个合理规范有效的农村金融市场有着很重要的意义。我省农村金融抑制处于压抑状态,虽然改革开放以来,我省农村金融改革取得了显著的成绩,农村金融体系格局基本形成,但是任然存在着许多问题,比如政策性金融定位不清,业务单一；商业银行大量撤并基层营业网点,回收贷款权,信贷萎缩；农村信用社虽然是农村金融的主力军,但是由于其规模小、风险大,不良资产率高等原因,很难发挥其应有的作用；民间金融合法化的问题也没有得到很好的解决。这些问题的出现导致当前我省农村金融资源配置严重失衡,农民和农业企业贷款难的问题依然存在,我省农村金融改革还有一段较长的路要走。要建立一个功能完善的多元化农村金融体系,应该从农户和农业企业的实际需求出发,充分发挥各个参与主体的作用。首先,必须明确金融各类型金融机构的改革方向和目标任务,特别是政策性金融、商业性金融与合作性金融的分工必须明确,鼓励多种类型的金融机构创新发展。其次,要加大金融产品和服务的创新力度,满足多样化的农村金融需求,要通过正规金融和非正规金融双重渠道为农业发展筹集资金。再次,要充分发挥政府在改善农村金融服务体系中的重要作用。本文立足安徽实际,首先简单回顾了我省农村金融改革的基本历程,客观地描述了我省农村金融的基本现状,详细地说明了当前我省主要涉农金融机构的改革创新情况。针对我省农村金融系统存在的一些问题,笔者根据所掌握的知识,由针对性地提出了政策建议。更多还原

【Abstract】 The economy can not develop without the financial support which is the core of modern economy, it plays an important role in promoting the national economy. Agriculture is the foundation of national economy, instability occurs if there is no agriculture which directly determines the development of overall national economy. Agriculture will remain to be the focus of the government work in a long time for its basic industry status in nature, focusing on solving the problem of agricultural development funds is an important guarantee to promote traditional agriculture to modern agriculture. A large number of studies have shown that the development of rural finance has significantly promoted agricultural development. However, due to the natural weakness of agricultural industry and the urban and rural structure or other reasons, agricultural development of our province is under the suppression of state, having been facing the problem of lack of funds for a long time, which has greatly restricted the development of the agricultural economy in our province. Therefore, improving the rural financial environment and rural financial services to establish a reasonable sand effective rural financial market has very important significance for agricultural development.Rural finance of our province is stressed, although from the reform and opening up to now, our province has made significant financial reform achievements, the rural financial system structure formed basically, but many problems still exist, such as unclear positioning of policy financial, few varieties of business; commercial banks merging a large number of grassroots outlets, retreating the right of loans, credit declines; rural credit cooperatives although is the main force in rural financial market, it is difficult to play its due role because of its small size, high risk, high rate of non-performing assets and other reasons; the legalization of private finance has still not been solved. These problems led to a serious imbalance of the current financial resources of our province in rural areas, farmers and agricultural enterprises in getting loans problem persists, the rural financial reform of province still has a long way to go.To create a fully functional diversified rural financial system, the actual needs of farmers and agricultural enterprises should be took into account, giving full play to the role of each participating subjects. First, you must know the objectives and tasks of all types of financial institutions in rural financial reform, particularly, the division policy finance, commercial finance and cooperative finance must be clear, encourage many types of financial institutions to innovates and develops. Secondly, we must support the innovation of financial products and services, meeting the diversity needs in rural areas, raising funds both through formal and informal financial channels for agricultural development. Again, the government must play an important role f in improving the rural financial service system.Based on the actual situation of Anhui, this study first takes a brief review of the basic course of the province’s rural financial reform, giving an objective description of situation of the rural financial status in our province and current reform and innovation of the main agricultural financial institution. Targeting the problems existing in rural financial system of the province, according to what he knows, the author puts forward some policy recommendations and suggestions to improve the level of rural finance services of our province.更多还原