【摘要】：我國是傳統(tǒng)的農(nóng)業(yè)大國,農(nóng)村金融機構作為農(nóng)村經(jīng)濟供給的核心,為農(nóng)村改革的發(fā)展提供了重要支持,取得了很好的成效。在政府的持續(xù)政策調(diào)控下,現(xiàn)階段我國正在形成多層次、廣覆蓋、適度競爭的農(nóng)村金融服務體系,政策性、商業(yè)性和合作性金融機構互為補充、攜手并進,在增加農(nóng)村金融服務的便利性、可得性方面做出了突出貢獻。2014年的《中國農(nóng)村金融服務報告》指出,在接下來改善農(nóng)村金融服務的進程中,依然要在政策上繼續(xù)給予強有力的支持,從加快農(nóng)業(yè)現(xiàn)代化和改變農(nóng)業(yè)發(fā)展方式出發(fā),發(fā)展符合農(nóng)村實際和滿足農(nóng)民需求的方式,加強創(chuàng)新的改革力度,以發(fā)展普惠金融和完善農(nóng)村金融機構體系為基礎,全面深化農(nóng)村金融機構的改革。2013年《黑龍江省“兩大平原”現(xiàn)代農(nóng)業(yè)綜合配套改革試驗總體方案》的全面開展,使得黑龍江省的農(nóng)村金融機構呈現(xiàn)出新的發(fā)展面貌。適度競爭的農(nóng)村金融機構體系是農(nóng)村金融發(fā)展和制度變遷的歷史邏輯,所以探究黑龍江省農(nóng)村金融機構是否達到適度競爭的要求也就顯得尤為重要。本文立足于黑龍江省農(nóng)村金融機構,結合相關理論基礎及模型,以SCP模型為主,HHI指數(shù)、CRn指數(shù)為輔構建了評價黑龍江省農(nóng)村金融機構適度競爭現(xiàn)狀的指標體系,對黑龍江省農(nóng)村金融機構適度競爭現(xiàn)狀進行了分析,得出目前黑龍江省農(nóng)村金融機構的市場集中度及壟斷程度仍然較高,不過有下降的趨勢,說明競爭程度有了一定程度的提升,初步形成了多元化的農(nóng)村金融市場結構,逐步向構建適度競爭的農(nóng)村金融體系過渡。之后結合黑龍江省實際情況,找尋影響黑龍江省農(nóng)村金融機構適度競爭的因素,運用AHP分析從金融制度、經(jīng)營層面、管理模式、客觀條件四個方面細分為8個指標,得出宏觀政策對適度競爭的影響最深,說明了政府干預力度的重要性。并相應從構建多元化農(nóng)村金融機構體系、完善適度競爭的金融環(huán)境、提高機構自身進行適度競爭的能力三個角度分別提出對策建議,從而達到促進黑龍江省農(nóng)村金融機構適度化競爭的目標。
[Abstract]:China is a traditional agricultural country. As the core of rural economic supply, rural financial institutions have provided important support for the development of rural reform and achieved good results. Under the continuous policy control of the government, at the present stage, our country is forming a multi-level, broad-coverage and moderately competitive rural financial service system. The policy-oriented, commercial and cooperative financial institutions complement each other and advance hand in hand. Outstanding contributions have been made in increasing the accessibility and accessibility of rural financial services. The 2014 China Rural Financial Services report notes that in the next process of improving rural financial services, We should continue to give strong policy support, proceed from speeding up agricultural modernization and changing the mode of agricultural development, develop ways that conform to the realities of rural areas and meet the needs of farmers, and strengthen innovative reform efforts. Based on the development of inclusive finance and the improvement of the system of rural financial institutions, the reform of rural financial institutions has been comprehensively deepened. The rural financial institutions in Heilongjiang Province show a new development. The system of moderately competitive rural financial institutions is the historical logic of rural financial development and institutional changes, so it is particularly important to explore whether rural financial institutions in Heilongjiang Province can meet the requirements of moderate competition. Based on the rural financial institutions in Heilongjiang Province, combined with the relevant theoretical basis and model, with the SCP model as the main, HHI index, CRn index as a supplement, this paper constructs an index system to evaluate the moderate competition status of rural financial institutions in Heilongjiang Province. Based on the analysis of the current situation of moderate competition among rural financial institutions in Heilongjiang Province, it is concluded that the market concentration and monopoly degree of rural financial institutions in Heilongjiang Province are still relatively high, but there is a downward trend. It shows that the degree of competition has been improved to a certain extent, and the diversified structure of rural financial market has been formed, and the transition to the construction of moderately competitive rural financial system has gradually taken place. Then combining with the actual situation of Heilongjiang Province, the paper finds out the factors that affect the moderate competition of the rural financial institutions in Heilongjiang Province, and uses AHP to analyze the financial system, the management level, the management model, and the objective conditions, which are subdivided into eight indicators. The author draws the conclusion that macro-policy has the most influence on moderate competition and explains the importance of government intervention. Accordingly, from three angles of constructing diversified rural financial institution system, perfecting the financial environment of moderate competition and improving the ability of the institution to carry out moderate competition, the paper puts forward countermeasures and suggestions respectively. In order to achieve the goal of promoting appropriate competition of rural financial institutions in Heilongjiang Province.
【學位授予單位】：東北農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.35

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