本文選題：農村金融 + 制度績效　； 參考：《重慶大學》2012年碩士論文

【摘要】：本文首先介紹了與研究相關的制度變遷理論、制度績效理論、金融發(fā)展理論；然后，對中國農村金融制度績效進行了理論分析，重點界定了中國農村金融制度績效的內涵，同時構建了中國農村金融制度績效評價的基本框架；接著，通過實證分析從定性和定量兩個方面對中國農村金融制度績效進行了評價，并對我國農村金融制度存在的問題進行了診斷；最后討論了我國農村金融制度問題的根源及其影響，并給出了相關政策建議。 1.研究結論 （1）以農村金融與農村經濟發(fā)展的協調性為視角定性分析中國農村金融制度績效，結果表明由于我國農村金融與農村經濟制度變遷模式在實踐、結構以及相互影響上的不協調，導致中國農村金融制度績效低下，農村金融長期處于制度抑制狀態(tài)，，中國農村金融與農村經濟的發(fā)展也長期不協調。 （2）運用隨機前沿分析方法對我國農村金融制度績效進行定量分析，實證結果顯示1986年-2009年以來我國農村金融制度績效總體水平不高，但呈逐年增長趨勢；同時我國農村金融制度績效表現出明顯的區(qū)域差異，東部地區(qū)高于中部地區(qū)高于西部地區(qū)。 （3）當前我國農村金融制度安排下大量農村資金流向城市，農村金融組織體系不完善，“三農”服務嚴重不足，農村金融制度安排未能對現代農村經濟發(fā)展起到促進作用。這是因為當前的農村金融制度還存在許多問題，具體來講包括：政府主導農村金融制度變遷；農村金融制度供求矛盾突出；農村金融制度重宏觀輕微觀；農村金融制度創(chuàng)新動力不足；農村金融制度的普惠性缺乏。 （4）中國經濟的城鄉(xiāng)二元結構以及土地家庭聯產承包制度造成了我國農村金融抑制，嚴重阻礙中國農村金融的發(fā)展。農村金融體系的不完善又導致了中國農村金融資源開發(fā)滯后，加劇農村金融供給的緊張。這些都使得農村金融制度績效低下，問題重重，嚴重阻礙農村經濟的發(fā)展。 2.政策建議 （1）充分調動農村微觀主體的主動性。在制度改革中從我國農村正規(guī)金融制度和非正規(guī)金融制度兩方面著手充分調動農村微觀主體的主動性，不斷改善我國農村金融制度失衡、金融二元化的狀況。 （2）強化農村金融機構對“三農”的服務力度。通過深化農村信用社改革、科學合理的定位農業(yè)發(fā)展銀行、讓中國農業(yè)銀行以回歸“三農”為己任、完善郵政儲蓄體系保證農村資金回流等方式強化農村金融機構對“三農”的服務力度。 （3）優(yōu)化農村金融資源配置結構。改善農村金融環(huán)境，間接引導農村金融機構加大對農村經濟的投入；優(yōu)化財政支農結構，完善財政支農政策體系，穩(wěn)步增加財政資金對農業(yè)的投入；充分發(fā)揮農村固定資產在農民增收方面的積極作用，保持農村固定資產投資較快增長。 （4）加強農村金融制度運行中的政策扶持。農村金融制度的運行中財政政策的配合十分重要，具體來講，可以向金融機構注入資金，擴大持股比例，以改善金融機構的資本金狀況；為金融機構剝離不良資產提供幫助；為改變金融機構呆賬準備金提取比率和呆賬核銷辦法制定相關政策；建立貸款擔�；鸬�。
[Abstract]:This paper first introduces the theory of institutional change related to the research, the theory of institutional performance and the theory of financial development; then, the theoretical analysis of the performance of China's rural financial system is carried out, and the connotation of the performance of the rural financial system in China is defined, and the basic framework of the performance evaluation of the rural financial system in China is constructed; then, through the analysis, the basic framework of the performance evaluation of China's rural financial system is constructed. The empirical analysis of China's rural financial system performance is evaluated from two aspects of qualitative and quantitative aspects, and the problems existing in the rural financial system in China are diagnosed. Finally, the root and influence of the rural financial system in China are discussed, and some relevant policy suggestions are given.
1. research conclusions
(1) qualitative analysis of the performance of rural financial system in China based on the coordination of rural finance and rural economic development. The result shows that the incoordination between rural financial and rural economic system changes in practice, structure and mutual influence leads to low performance of the rural financial system in China, and the rural finance is under system restraint for a long time. The development of rural finance and rural economy in China has also been out of tune for a long time.
(2) the quantitative analysis of the performance of rural financial system in China using random frontier analysis method, the empirical results show that the overall level of rural financial system performance in China since -2009 1986 is not high, but it is increasing year by year; meanwhile, the performance of rural financial system in China shows obvious regional differences, the eastern region is higher than the central region. It's higher than the western region.
(3) under the current rural financial system, a large number of rural capital flows to the city, the rural financial organization system is not perfect, the "three rural" services are seriously inadequate, and the rural financial system has not played a role in promoting the development of modern rural economy. This is because the current rural financial system still has many problems, specifically including politics. The government dominated rural financial system changes; the contradiction between supply and demand of rural financial system is prominent; the rural financial system is heavy and microcosmic; the innovation motive of rural financial system is insufficient; the rural financial system is poor.
(4) the two yuan structure of urban and rural areas in China and the system of land and family contract contract have caused the rural financial restraint in China, which seriously impede the development of rural finance in China. The imperfect rural financial system has led to the lagging of the development of rural financial resources and the intensification of the supply of rural finance. All these make the performance of the rural financial system. Low and heavy problems seriously hamper the development of rural economy.
2. policy recommendations
(1) fully mobilize the initiative of the rural micro body. In the system reform, we should fully mobilize the initiative of the rural microcosmic main body from the two aspects of the rural formal financial system and the informal financial system, and constantly improve the imbalance of the rural financial system and the two yuan financial situation in the rural areas.
(2) strengthen the service of rural financial institutions to "three rural". Through deepening the reform of rural credit cooperatives, scientifically and rationally positioning the Agricultural Development Bank, the Agricultural Bank of China will return to the "three rural" as its own task, and improve the postal savings system to ensure the reflux of rural funds and other ways to strengthen the service of rural financial institutions to the "three rural".
(3) optimize the allocation structure of rural financial resources, improve the rural financial environment, direct the rural financial institutions to increase the investment in the rural economy, optimize the structure of the financial support for agriculture, improve the financial support for agriculture policy system, steadily increase the investment of the financial funds to agriculture, and give full play to the positive role of the rural fixed assets in the farmers' income increase. The investment in rural fixed assets has increased rapidly.
(4) to strengthen the policy support in the operation of the rural financial system. The coordination of the financial policies in the operation of the rural financial system is very important. In particular, it can inject funds into the financial institutions, expand the share proportion, improve the capital status of the financial institutions, and provide help for the financial institutions to peel off the non-performing assets; and to change the bad debts of the financial institutions. The reserve ratio and the write off method of bad debts have formulated relevant policies, and loan guarantee funds have been set up.
【學位授予單位】：重慶大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.35

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本文編號：1918905