我国农村金融服务现状与对策研究_以福建省为例.docVIP

word专业整理 word专业整理 学习资料 整理分享 学习资料 整理分享 word专业整理 学习资料 整理分享 编号 本科生毕业设计（论文） 题目：我国农村金融服务现状与对策研究 ——以福建省为例 学院 专业 学 号 学生姓名 指导教师 二〇一三年六月 摘 要 我国是人口大国，更是农业大国，农业发展关系到民生问题。农业转型的瓶颈是资金问题，如何解决农村金融中高风险、高成本、资金量小的问题已成为农业工业化的关键。做好农村金融服务研究，加强农村金融设施建设，控制好农村金融风险，就能促进农业工业化进程，赢得广大农村市场。近年来，我国农村金融虽然经历重大改革，建立起基本农村金融体系，但受多种因素制约，一些关键问题如农村金融服务供求不平衡、农村金融体系不健全、相关法律法规不完善、金融产品和服务缺乏创新等并未从根本上得到解决。另外，其他方面也存在诸多问题，例如农村金融机构运作效率低下、产品和服务种类单一、缺乏良好信用环境等。因此，我们必须针对具体问题，提出相应对策，这不仅需要政府部门和相关金融机构努力，也需要全社会关注，积极进行农村金融服务的改革和创新，从而建立起完善的农村金融服务体系。本文将以福建省农村金融存在的问题进行分析，并就此提出相应的对策和建议。 关键词：福建省；农村金融；担保机构；小额贷款公司；创新 word专业整理 word专业整理 word专业整理 ABSTRACT China is not only a populous country, but also a large agricultural one. The agricultural development is related to peoples livelihood. Funding is the bottleneck of agricultural transformation, and how to solve problems such as high-risk, high-cost and small amount of money existing in rural finance has been the key to agricultural industrialization. Good research on rural financial services, intensified construction of rural financial facilities as well as good control of the risk of rural finance will promote agricultural industrialization and occupy the wide rural market. In recent years, China’s rural finance has undergone a major reform to establish the basic rural financial system, but bounded by many factors some problems have not been addressed fundamentally, such as imbalance between supply and demand of rural financial services, incomplete range of rural financial system, defects in laws and regulations, the lack of innovation in financial products and services. In other aspects, there are many defects, such as low operational efficiency about rural financial institutions, single type of products and services, lack of good credit environment and so on. Therefore, we must target specific problems and propose a