【摘要】：從我國政府制定的"實現(xiàn)全民小康"的目標相關政策就可以看出,促進農村金融發(fā)展已經(jīng)成為了全民都關注的焦點問題,十八大報告中明確指出,進一步優(yōu)化我國金融發(fā)展體制,并推進金融創(chuàng)新,從而完善金融監(jiān)管制度,進而保障金融經(jīng)濟得到穩(wěn)定的發(fā)展,進一步表明了政府充分對改善農村人民生活的重視,實行農村金融改革的本質目的就是為農村人民提供更好的金融服務。新型農村金融機構的出現(xiàn),已成為改善我國當前農村金融市場的重要手段,受到政府部門的高度重視。并且我國新型農村金融機構主要是面向的較為偏遠的所有的農村地區(qū),且以地方的中小型企業(yè)和農戶為基礎,為農村經(jīng)濟發(fā)展提供資金,滿足現(xiàn)代農村金融發(fā)展的基本需要。我國當前農村地區(qū)金融供給困難使得農村中小企業(yè)與農戶不能有效滿足自身的資金缺口,因此,政府以及監(jiān)管部門應重視農村金融監(jiān)管工作,統(tǒng)一的將新型農村金融機構各方面的監(jiān)管管理工作作為核心任務來實施,進一步改善現(xiàn)有的沖村金融體系,從而快速的推動國內農村經(jīng)濟的發(fā)展進程,實現(xiàn)農業(yè)經(jīng)濟繁榮昌盛的目標,這亦是良好的改變國內現(xiàn)有的農村經(jīng)濟發(fā)展局面工作中的一項核心任務。本文在對當前我國新型農村金融機構發(fā)展現(xiàn)狀以及存在問題深入的展開了分析與研究,在此基礎上,進一步剖析了新型農村金融機構在政府監(jiān)管中存在相關法律規(guī)制不完善;外部監(jiān)管體制不健全;金融市場混亂,監(jiān)管困難等問題。深入研究了出現(xiàn)這類問題的原因主要是立法層級較低,操作性不強;監(jiān)管主體力量單一;監(jiān)管目標脫離"支農"初衷;監(jiān)管內容規(guī)定粗糙四個方面。文章分別借鑒德國、美國和日本三個國家的農村金融體系的監(jiān)管先進經(jīng)驗與啟示,結合我國當前新型農村金融機構的發(fā)展現(xiàn)狀,運用農村金融市場論、普惠金融、合作金融、政府與市場關系以及政府規(guī)制等相關理論,提出完善新型農村金融機構政府監(jiān)管的對策,即:完善相關法律法規(guī);健全政府監(jiān)管體制;堅定政府監(jiān)管目標;規(guī)范新型農村金融機構的監(jiān)管內容。
[Abstract]:From the policies related to the goal of "achieving a well-off society for all" formulated by the Chinese government, it can be seen that promoting rural financial development has become the focus of attention of the whole people. It was clearly pointed out in the report of the 18th National Congress. Further optimizing our country's financial development system and promoting financial innovation, thus improving the financial supervision system, thereby ensuring the stable development of the financial economy, further demonstrating that the government attaches full importance to improving the lives of the rural people. The essential purpose of rural financial reform is to provide better financial services for rural people. The emergence of new rural financial institutions has become an important means to improve the current rural financial market in China, and has been highly valued by government departments. And the new rural financial institutions are mainly for the more remote rural areas, and on the basis of local small and medium-sized enterprises and farmers, to provide funds for rural economic development, to meet the basic needs of modern rural financial development. At present, the difficulties of financial supply in rural areas make rural small and medium-sized enterprises and farmers unable to meet their own funding gap effectively. Therefore, the government and the regulatory authorities should attach importance to the supervision of rural finance. Unifying the supervision and management work of various aspects of the new rural financial institutions as the core task to further improve the existing Chong Village financial system, thus rapidly promoting the development of the domestic rural economy. To achieve the goal of prosperity of agricultural economy is also a core task in the work of changing the current situation of rural economic development in China. Based on the analysis and research on the current situation and problems of the new rural financial institutions in China, this paper further analyzes the imperfections of the relevant laws and regulations in the government supervision of the new rural financial institutions. External regulatory system is not perfect; financial market chaos, regulatory difficulties and other problems. The main reasons for this kind of problems are low legislative level, not strong operability; single supervision body; supervision goal from the original intention of "supporting agriculture"; rough regulation content provisions four aspects. The article draws lessons from the advanced experience and enlightenment of the rural financial system in Germany, the United States and Japan, and combines the current development situation of the new rural financial institutions in our country, and applies the theory of rural financial market, inclusive finance, cooperative finance, and so on. Related theories such as the relationship between government and market, government regulation and so on, are put forward to improve the government supervision of new rural financial institutions, that is, to perfect the relevant laws and regulations; Improve the government supervision system; strengthen the goal of government supervision; standardize the content of the new rural financial institutions.
【學位授予單位】：內蒙古農業(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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