论文标题:新疆农村金融体系创新研究
Study on the Innovative Rural Financial System in Xinjiang
论文作者
论文导师 陈彤,论文学位 硕士,论文专业 农业经济管理
论文单位 新疆农业大学,点击次数 628,论文页数 71页File Size5827K
2006-10-01论文网 http://www.lw23.com/lunwen_470027/
rural Finance;; rural economy in Xinjiang;; perfect rural financial system
金融是现代经济的核心，农村金融作为农村经济发展中最为重要的资本要素配置制度，在农村经济发展中的作用越来越显著。改革开放以来，我国农村金融有了较大的发展，但是，简单的机构分设和业务重新划分并未从根本上解决农村经济主体资金需求问题。新疆农村经济发展现状表明，资金已经成为制约当前农村经济发展的“瓶颈”，缺乏合适有效的农村金融体系为农村经济主体提供金融服务构成了当前农村经济发展的困境，与此同时，农村金融机构的经营行为仍然受到多方面的限制，所有这些在农村经济发展中的金融总量、结构、制度等方面的矛盾急需我们进行深入的研究。本文在此背景之下，对新疆农村金融体系支持农村经济发展的现状、面临的困境及其创新路径进行了较为全面系统的研究。 本项研究运用农村金融理论，借鉴国内外学者的研究成果，采用了实证与规范分析相结合、定性与定量分析相结合等科学研究方法。论文首先对农村金融体系进行客观描述，分析新疆农村金融发展现状，并对新疆农村经济发展中的金融支持进行了实证研究。在此基础上，剖析新疆农村金融体系的症结所在，主要表现为农村金融组织不完善且功能不健全，金融风险分散与转移机制缺失，农村资金严重外流。进而提出新疆农村金融体系的创新模式与路径，建立真正意义上的商业金融、政策性金融、合作金融和其他金融机构并存、充分竞争与合作、可持续发展的农村金融体系，优化农村金融生态环境，以此促进新疆农村经济增长。
Finance is the core of modern economy ,Rural finance, the most important allocation system of capital factor, plays a more and more remarkable role in rural economic development. The rural finance of our country has obtained greater development since open-and-reform , However, the simple organization establishment and business repartition have not been resolved the problem of credit demand difficulty of the rural economy main body fundamentally, the current situation of rural economy of Xinjiang indicates that the fund has already become "bottleneck" that restricts rural economy development of our country at present. The shortage of appropriate financial institutions providing efficient services to the economic entities in rural areas and meeting their financial demands puts rural economic development in a difficult position. Meanwhile, the operation of rural financial institutions has been restricted in many aspects, which gives rise to many conflicts regarding the financial aggregate, structure, and regulations in rural economic development. The study uses the rural financial theory, and it draws lessons from domestic and international results of scholars, and it adopts real example combining norm analysis, a combination of empirical and normative analysis, qualitative and quantitative analysis methods, etc. At first, this essay carries on an objective description to the rural financial system, analyse the current status of Xinjiang"s rural finance, and then constitute the empirical analysis of the financial support in rural economic development in Xinjiang . secondly, based on the theoretical and empirical analysis stated above, shows the existing problems and their causes in financial support to rural economic development, the rural financial organizations exist limited and function is not sound , As the result, rural capitals are flowing into urban cities and developed areas through various channels, the scatteration and devolution of mechanism for finance risk is scare, and then puts forward the innovative mode and innovative way of the rural financial system in Xinjiang, therefore, it is of urgent need to perfect our rural finance system with the co-existing institutions of commercial finance, policy finance , cooperative finance and other financial institutions, live up a pluralistic, competitive and sustainable development of rural financial system, perfect the rural financial ecological environment, so as to promote rural economy growth in Xinjiang.
|
