【作者】 刘雯丽；

【导师】 王满仓；

【作者基本信息】 西北大学 ， 国民经济学， 2007， 硕士

【摘要】 2007年1月，中央1号文件《中共中央国务院关于积极发展现代农业，扎实推进社会主义新农村建设的若干意见》是中央自2003年以来连续第四次发出的针对农村工作的1号文件，足见“三农问题”在我国的重要性。要发展农业现代化，就目前看，主要制约因素之一是农村金融的匮乏。本文研究的目的就是通过深化改革和创新机制，构建真正符合我国农业和农村特点的农村金融体系，以促进“三农问题“的解决。研究中主要采用实证分析与规范分析相结合、定性分析和定量分析相结合、案例分析和整体分析相结合的方法，对我国农村金融体系自建国以来的历史变革和发展进行考察，对目前我国农村金融体系的现状进行深刻剖析，指出我国现行农村金融体系存在的问题，并借鉴国外先进经验，提出构建我国农村金融体系的对策，最后在此基础上得出本文结论：我国应尽快建立起多层次、竞争性的农村金融体系；对现有的农村金融组织进行整合，使商业性金融、政策性金融、合作性金融各司其职，功能互补；尽快规范农村民间金融；尽快建立农村金融机构存款保险制度和农业政策性担保机构等相配套的市场体系，以促进农村经济快速、健康发展。更多还原

【Abstract】 In Jan.2007,our country issued No. 1 document of central authorities, "Opinions on developing agricultural activtily and carrying forward the construction of new socialist countryside from the central committee of the Communist Part of China". It is the fourth document concerning countryside work since 2003,Which reflects the importance of "Three Rural Problems" .At present, the poor finance of countryside is one of the main factors of moderning the agriculture.The aim of this essay is to stimulate the disposing of the "Three Rural Problems" by deepening the reform ,creating systems and constructing the real system according to the characteristics of agriculture and countryside. In the research we mainly use such ways: the combination of concrete and standard analysis, qualitative and quantitative analysis and precedent and entirety analysis from 1949 in order to inspect the historical reform and development of the finance system of countryside, and then we can analyze the present conditions of finance system of wuntryside and to point out the problems among it .Then we can use the experience of foreign countries and put forward the policy, based on which we can draw a conclusion: Our country should build up a countryside financial system with levels and competition as soon as possible; We should also combine different rural financial systems so that the complement each other .and to standardize the countryside finance as soon as possible; The market system of insurance of depositing and policy agriculture should also be built up in order to speed up the healthy finance development of countryside.更多还原