我国农村融资体系的创新研究.pdf

我国农村融资体系的创新研究 摘 要 自改革开放以来，我国开始大力推进农村经济建设，取得了巨大成就。同时 开展的农村融资体系建设工作，也为我国农村经济发展和居民生活水平提升发挥 了重大作用。而现阶段我国的农村仍然面临着资金供求矛盾、融资渠道受阻等困 境，这严重制约着我国社会主义新农村的建设和农业经济可持续性发展战略。农 村经济要实现增长和可持续发展，就必须建立更完善的农村融资体系，管理和推 动农业相关资本的有效运行。 本文在阐述研究背景、研究意义和总结前人研究成果的基础上，解释了农村 金融、农村融资体系的概念，论证了我国农村经济建设快速稳步发展的根本出路 在于大力发展农村融资。从我国当前农村融资体系的发展现状和遇到的主要问题 分析，总结归纳了当前农村融资体系发展中的共性问题。基于美国、日本、等国 家的农村融资体系，提出了可供我国农村融资体系借鉴的经验。最后根据上述论 证与分析对我国新时期农村融资体系的提出了以下四个方面建议： 第一，努力提高农户的自身资本积累和正确引导民间资本活动，完善我国农 村融资体系资金供求市场。 第二，形成多元化的农村融资体系渠道，积极拓宽我国农村融资投资的渠道。 第三，要积极促进农村金融组织创新，丰富和完善我国农村金融机构。 第四，调整政府政策方向；改革农村融资和信贷体制；调整对民间借贷政策 的限制；丰富和完善农业保险体系；推动农村资金回流机制的形成；丰富和完善 农户信用体系；调整农业产业政策；加大国家对农业的资金投入和引导。 III 关键词： 我国农村融资体系；农村金融机构；融资 IV Abstract Since the reform and opening up, China has begun to vigorously promote the rural economic construction, has made great achievements. At the same time, the work of rural financial reform has played a significant role in the development of rural economy and the improvement of living standards. At present, Chinas agriculture is still faced with the shortage of capital investment, the development of capital shortage, which seriously restricts the construction of new socialist countryside and the sustainable development strategy of agricultural economy. From the general characteristics of the development of market economy, we can know that the efficiency and speed of economic development depend on the function of the finance. Rural economy to achieve growth and sustainable development, it is necessary to build a new countryside at the same time, the use of rural finance, credit as a means to manage and promote the effective operation of agricultural related capital. With the r