论文-贵州省农村金融抑制改进措施研究报告

1、-. z农村经济论文：省农村金融抑制及改良措施研究【中文摘要】农村金融是农村经济的核心,是推动农村经济开展的关键因素。改革开放以来,省农村经济取得了较快的开展,农民收入有了明显的提高,农村金融体系得到了有效的改善。但是目前农村金融抑制现象依然存在,在一定程度上制约着农村经济的开展。本文综述了关于农村金融抑制的国外现状研究,并以金融抑制论、金融深化论、金融约束论以及农村金融理论为理论根底,首先从农村正规金融和非正规金融两个方面阐述了农村金融体系的现状,初步发现农村存在金融抑制。接着运用戈德史密斯的金融相关比率指标通过与省金融开展、全国开展水平进展比拟,分析了农村金融开展水平,发现农村金融开展落后

2、金融开展,2004年开场逐步缩小与全国的平均水平的差距,到2021年甚至超过了全国平均水平。其次,采用1996年2021年的农村金融相关比率和信贷比对农村经济与农村金融之间的关系进展了实证分析,通过格兰杰因果关系检验发现,农村金融开展规模的扩大和贷款数量的增加都能够促进农村经济的开展,对检验结果分析发现农村确实存在金融抑制。然后,针对实证分析的结果和实际情况,对引起农村金融抑制的原因进展了探究,发现引发农村金融抑制的根源在于农村正规金融大规模的撤并县及以下金融效劳网点,造成农村金融市场缺乏有效的竞争。农业银行、农业开展银行、农村信用合作社、邮政储蓄银行等农村正规金融机构又由于各自当前存在的问题

3、,未有充分有效的支持三农,造成农村金融主体供应缺乏;非正规金融缺乏有效的监视管理,加上部组织制度不规,经营风险系数高、市场环境混乱等因素,在*种程度上影响着国家有关政策的实施,未能*的促进农村经济开展;从当前农村金融市场来看,农村金融机构提供的金融产品仍以传统的存款、贷款、汇款为主,真正满足农村经济市场化、信息化、多样化的金融产品少之又少,金融市场效劳缺乏创新;省的农业根本上还是处于“靠天吃饭的一种局面,农业面临着巨大的自然风险和市场风险,虽然已经开展了政策性农业保险的试点,但是由于由于农业保险赔付率高,商业性保险机构不愿涉足农业保险业务,导致了农业保险开展滞后;我国农村法制环境的建立刚起步,

4、法律法规还不够健全,加上有些农户和企业缺乏诚信意识,逃费债金融案件时有发生,影响着农村金融生态环境的建立。最后,按照帕特里克所提出的消除金融抑制的两种路径,应该选择供应领先型的模式。对于改良农村金融抑制的现状政策建议,本文认为应该深化农村金融组织体系,催促正规金融机构改良当前所存在的缺乏,发挥各自的优势,加大金融创新力度;政府加强对民间金融的指导和规,放宽金融农村金融市场的准入门槛,鼓励社会各类资本建立新型农村金融机构;大力开展农业保险和资本市场,降低农业生产的风险;优化农村金融生态环境,加快农村信用体系建立,同时加强诚信教育和宣传、加大对逃费债行为的打击力度,营造出良好的金融环境;完善农村担

5、保体系,改良当前由于农村担保品缺乏导致的贷款难问题;加大各级财政对农村金融开展的政策支持,鼓励其他各金融机构加大对“三农的信贷投放力度;加速农村利率市场化进程,减少政府对利率的干预,有效提高资本的投资效率和资源配置,促进社会经济的开展。【英文摘要】Rural finance is the core of the rural economy, which is the key factor to promote rural economy development. Since our country has reformed and opened, rural economy in Guizho

6、u Province has achieved rapidly development, ine of farmers has significantly improved and rural financial system has been effectively improved. But now the phenomenon of financial repression in Guizhou rural still e*ists, to a certain e*tent, which restricts the development of rural economyThis pap

7、er reviews the financial repression research at home and abroad, and based on the theory of financial repression, financial deepening and financial restraint, firstly the paper analyze the status of the rural financial system in Guizhou from the rural formal finance and rural informal finance,and fo

8、und that rural financial repression e*ists in Guizhou. then using the financial ratios pared with financial development with the Guizhou Province and the national development level analyzed the level of financial development in Guizhou rural areas, the results are that Guizhou rural financial develo

9、pment has lagged behind of financial development in Guizhou, and Beginning in 2004, the gap with the national average level is gradually narrowing, even more than the national average level in 2021.Secondly, followed by the relevant ratio of rural finance and credit ratio in 1996 -2021, the paper em

10、pirically analyzes the rural economy and rural financial relationship. The Granger causality test showed that the e*pansion of rural financial development and the addition in the number of loans are able to promote rural economic development, and found that financial repression really e*ists in Guiz

11、houThen, based on the results of the empirical analysis and the actual situation in Guizhou, researching the causes of the financial repression in Guizhou found that the root causes of rural financial repression are that large-scale rural formal financial merging County and the following financial s

12、ervices branch, resulting in rural financial market lack of effective petition , because of the current problems of The Agricultural Bank, the Agricultural Development Bank, rural credit cooperatives, postal savings Bank and other formal financial institutions in rural areas is not the full and effe

13、ctive supporting to agriculture, resulting in insufficient supply of rural financial body; non-formal financial is lack of effective supervision Management, coupled with the internal organization system is not standardized, business risk is high, market environment is confused, to some e*tent, which

14、 affects the implementation of relevant state policies and not promotes the rural economic healthy development; from the current rural financial market, Rural financial institutions to provide financial products are still the traditional deposits, loans, remittance-based, real needs of rural market

15、economy, information technology and diversified financial products are very few, the financial service is lack of innovation in financial markets; agricultural of Guizhou Province is still in a “dependent on the weather “ situation, agriculture faces enormous natural risks and market risks, although

16、 Guizhou has launched a pilot agricultural policy insurance, but because of the high rate of agricultural insurance claiming, mercial insurance institutions would not like to get involved in agricultural insurance, agricultural insurance development lag behind ; rural legal environment construction

17、is just beginning, laws and regulations are still inadequate, some farmers and enterprises are lack of the awareness of integrity, financial debt cases sometimes occurred, which affect the rural financial ecological environment construction.Finally, according to Patricks financial repression solutio

18、n paths, Guizhou should choose supply-leading. As for the policy proposals of improving financial repression, the paper thinks that should deepen rural financial system, urging the formal financial institutions to improve the current weaknesses, play their strengths and increase financial innovation

19、; strengthen guidance and norms on private finance, rela* rural finance access threshold for financial markets and encourage various types of capital to establish a new rural financial institutions; develop agricultural insurance and capital markets to reduce the risk of agricultural production; opt

20、imize the rural financial ecological environment, speeding up rural credit system ,strengthening the integrity of education and publicity and increasing acts of evasion crackdown on debt to create a sound financial environment; innovate guarantee system in rural areas to improve the current lack of

21、collateral as a result of rural loans hard problem; increase policy to support rural finance development and encourage other financial institutions to increase the credit loans; accelerate the process of market of interest rates in rural areas and reduce government intervention in the interest rate

22、to effectively improve the efficiency of capital investment and resource allocation and promote social and economic development.【备注】索购全文在线加好友：1.3.9.9.3.8848 同时提供论文写作一对一指导和论文发表委托效劳【关键词】农村经济 农村金融抑制 实证分析 改良措施【英文关键词】Guizhou Rural economy Rural financial repression Empirical analysis Improved measures【目录】省农村金融抑制及改良措施研究摘要5-7Abstract7-81. 绪论11-161.1 研究背景111.2 国外文献综述11-14 国外研究综述11-13 国研究综述13-141.3 研究目的及意义141.4 本文的主要容14-151.5 论文的研究方法15-162. 农村金融抑制的相关理论16-212.1 金融抑制论和金融深化论