本文選題：普惠金融 + 農(nóng)村金融體系�。� 參考：《廣東商學(xué)院》2013年碩士論文

【摘要】：“普惠金融體系”的基本含義是：建立一個能有效地、全方位地為社會所有階層和群體，，尤其是貧困、低收入人口提供服務(wù)的金融體系。我國改革開放以來，政府對農(nóng)村金融體系的發(fā)展相當重視，對其進行了一系列的改革措施，以滿足農(nóng)村貧困人口及微型企業(yè)的金融需求。本文通過借鑒普惠金融的理論框架，分別從普惠金融的需求者、普惠性農(nóng)村金融服務(wù)提供者、農(nóng)村金融基礎(chǔ)設(shè)施以及政府對農(nóng)村金融的立法監(jiān)管四個層面對我國普惠性農(nóng)村金融體系的現(xiàn)狀進行了研究。本文采用因子分析的實證分析方法，按不同指標分別對各省農(nóng)村金融體系現(xiàn)狀進行了對比和排名。實證結(jié)果表明，我國現(xiàn)有農(nóng)村金融體系發(fā)展水平較低，地區(qū)間存在嚴重的不平衡；我國只有少數(shù)幾個省市普惠性農(nóng)村金融體系較為完善，大部分省市還未達到全國平均水平，需要得到提升。針對存在的問題，本文提出了我國貧困地區(qū)發(fā)展普惠性農(nóng)村金融體系的政策建議：首先，要明確農(nóng)村金融的需求主體，并滿足多樣化的金融需求；其次，應(yīng)該建立包括政策性農(nóng)村金融機構(gòu)、商業(yè)性農(nóng)村金融機構(gòu)、合作性農(nóng)村金融機構(gòu)、新型農(nóng)村金融機構(gòu)和民間非正規(guī)金融機構(gòu)在內(nèi)的競爭性的、多元化的農(nóng)村金融體系，并且對它們各自的功能進行明確的定位；在基礎(chǔ)建設(shè)方面，加強信用體制和機制建設(shè)，加快農(nóng)村金融機構(gòu)支付結(jié)算體系建設(shè)，加強對金融需求者的培訓(xùn)與教育；此外，還要加大金融立法力度，發(fā)揮財政政策作用，促進小額信貸發(fā)展，對不同地區(qū)、不同農(nóng)村金融機構(gòu)進行差別性監(jiān)管，以完善現(xiàn)有農(nóng)村金融體系的監(jiān)管制度。
[Abstract]:The basic meaning of "inclusive financial system" is to establish a financial system that can effectively and comprehensively provide services to all social strata and groups, especially the poor and low-income people.Since China's reform and opening up, the government has attached great importance to the development of the rural financial system, and carried out a series of reform measures to meet the financial needs of the rural poor and micro-enterprises.Based on the theoretical framework of inclusive finance, this paper analyzes the demand of inclusive finance and the providers of inclusive rural financial services.The present situation of inclusive rural financial system in China is studied from four aspects: rural financial infrastructure and the government's legislative supervision of rural finance.This paper uses the empirical analysis method of factor analysis to compare and rank the present situation of rural financial system in various provinces according to different indicators.The empirical results show that the development level of rural financial system in China is low, and there is serious imbalance among regions, only a few provinces and cities in China are relatively perfect in inclusive rural financial system, most provinces and cities have not reached the national average level.Need to be promoted.In view of the existing problems, this paper puts forward some policy suggestions for the development of inclusive rural financial system in poor areas of China. Firstly, it is necessary to make clear the main body of rural finance needs and to meet the diversified financial needs.A competitive, diversified rural financial system, including policy-oriented rural financial institutions, commercial rural financial institutions, cooperative rural financial institutions, new rural financial institutions and non-government informal financial institutions, should be established.In the aspect of infrastructure construction, we should strengthen the construction of credit system and mechanism, accelerate the construction of payment and settlement system of rural financial institutions, and strengthen the training and education of those in need of finance.It is also necessary to strengthen financial legislation, give play to the role of fiscal policy, promote the development of microcredit, and carry out differential supervision over different regions and different rural financial institutions in order to perfect the existing supervision system of the rural financial system.
【學(xué)位授予單位】：廣東商學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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