發(fā)布時間：2018-03-28 19:15

  本文選題：農(nóng)村金融改革　切入點：風(fēng)險防范　出處：《浙江師范大學(xué)》2014年碩士論文

【摘要】：農(nóng)村金融是現(xiàn)代農(nóng)村經(jīng)濟的核心,要統(tǒng)籌城鄉(xiāng)發(fā)展,縮小城鄉(xiāng)差距,亟需發(fā)達(dá)的農(nóng)村金融體系。目前,我國的農(nóng)村金融制度安排存在一些弊端,農(nóng)民申貸渠道狹窄,并且在農(nóng)信社“一家獨大”的情況下,農(nóng)村金融外部競爭缺乏效率,這通常會使農(nóng)村金融機構(gòu)對農(nóng)戶的需求缺乏敏感性,從而帶來金融供給和需求嚴(yán)重不對稱,制約農(nóng)村經(jīng)濟的快速發(fā)展。麗水農(nóng)村金融改革在這樣的大背景下應(yīng)運而生。但金融創(chuàng)新改革措施的實施往往會帶來潛在的風(fēng)險,阻礙改革的開展,使改革的效果大打折扣,并影響改革在全國范圍內(nèi)的可復(fù)制性和推廣性。因此,筆者選取我國十大典型地方金融改革之一——浙江省麗水市農(nóng)村金融改革為題,對農(nóng)村金融改革的風(fēng)險展開研究,解析風(fēng)險生成的內(nèi)在因素,并探索風(fēng)險防范和化解的途徑,這具有較大的理論意義和實際價值。 本文首先介紹了選題的背景與意義,從農(nóng)村金融風(fēng)險成因、農(nóng)村金融風(fēng)險防范與化解措施以及農(nóng)村金融改革與風(fēng)險控制的關(guān)系三個方面,對國內(nèi)外相關(guān)研究進(jìn)行了綜述,接著介紹了本文的框架、內(nèi)容,研究方法及可能的創(chuàng)新點等方面。 本文的主要內(nèi)容為麗水農(nóng)村金融改革的風(fēng)險分析和相關(guān)風(fēng)險防范與化解措施,本章創(chuàng)新的對農(nóng)村金融改革這一動態(tài)過程的潛在風(fēng)險進(jìn)行研究,并在此基礎(chǔ)上,提出相關(guān)風(fēng)險防范和化解措施。在此之前,本文對農(nóng)村金融的相關(guān)理論和特征做了簡單敘述。 對麗水農(nóng)村金融改革的風(fēng)險分析方面,本文首先通過實地調(diào)查法,了解改革的現(xiàn)狀,對麗水農(nóng)村金融改革的概況進(jìn)行了闡述。接著使用了理論分析——博弈論的方法對農(nóng)村金融改革的相關(guān)利益主體進(jìn)行了博弈分析,分析結(jié)果表明法律法規(guī)的不完善會導(dǎo)致農(nóng)戶和農(nóng)村金融機構(gòu)的合作失敗。再運用定量的分析方法從林權(quán)抵押貸款相關(guān)法律缺失及變現(xiàn)難、農(nóng)房抵押貸款估值難及變現(xiàn)難、銀行卡助農(nóng)取款服務(wù)機制落后、農(nóng)村信用評估失真、新型農(nóng)村金融組織監(jiān)管缺失和財政激勵失效等六個方面分析了農(nóng)村金融改革的潛在風(fēng)險及其形成原因。在前文潛在風(fēng)險成因分析的基礎(chǔ)上,提出了健全農(nóng)村金融服務(wù)的法規(guī)體系、完善中介服務(wù)機制、加快農(nóng)村金融機構(gòu)的自身建設(shè)、提高外部監(jiān)管能力、加強宣傳力度,提高農(nóng)民的風(fēng)險意識和建立風(fēng)險分散及補償機制等六大策略。
[Abstract]:Rural finance is the core of modern rural economy. In order to coordinate the development of urban and rural areas and narrow the gap between urban and rural areas, there is an urgent need for a developed rural financial system. At present, there are some drawbacks in the arrangement of rural financial system in China, and the channels for farmers to apply for loans are narrow. Moreover, in the case of rural credit cooperatives, the external competition of rural finance is inefficient, which usually makes rural financial institutions lack sensitivity to the demand of farmers, thus leading to serious asymmetries in financial supply and demand. Restricting the rapid development of rural economy. Lishui rural financial reform came into being under such a background. However, the implementation of financial innovation reform measures will often bring potential risks, hinder the development of reform, and greatly reduce the effect of the reform. Therefore, the author chooses the rural financial reform of Lishui City, Zhejiang Province, as the topic, and studies the risks of rural financial reform in Lishui City, Zhejiang Province. It is of great theoretical significance and practical value to analyze the internal factors of risk generation and to explore the ways of risk prevention and solution. This paper first introduces the background and significance of the topic, from the causes of rural financial risks, rural financial risk prevention and resolution measures and the relationship between rural financial reform and risk control, summarizes the relevant research at home and abroad. Then this paper introduces the framework, content, research methods and possible innovations. The main content of this paper is the risk analysis of the rural financial reform in Lishui and related risk prevention and resolution measures. This chapter innovates the study of the potential risks in the dynamic process of rural financial reform, and on this basis, Before this, this paper briefly describes the relevant theories and characteristics of rural finance. In the aspect of risk analysis of rural financial reform in Lishui, this paper, first of all, through field investigation, to understand the current situation of the reform, The general situation of rural financial reform in Lishui is expounded. Then the game theory is used to analyze the relevant stakeholders of rural financial reform. The results show that the imperfect laws and regulations will lead to the failure of cooperation between farmers and rural financial institutions. The service mechanism of bank card for agricultural withdrawal is backward, and the rural credit evaluation is distorted. This paper analyzes the potential risks of rural financial reform and the reasons for their formation in six aspects, such as the lack of supervision and the failure of financial incentives in the new rural financial organizations. This paper puts forward to perfect the legal system of rural financial service, perfect the mechanism of intermediary service, speed up the self-construction of rural financial institutions, improve the external supervision ability, and strengthen propaganda. Raising farmers' risk awareness and establishing risk dispersion and compensation mechanism are six strategies.
【學(xué)位授予單位】：浙江師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35

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