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论文编号：	6912
作者编号：	2120122723
上传时间：	2014/12/8 12:57:14
中文题目：	天津农村金融改革创新及对策研究
英文题目：	Tianjin rural financial innovation
指导老师：	柴中达
中文关键字：	农村金融效率;改革创新政策;健全产权制度;发展农业保险;完善金融环境
英文关键字：	The efficiency of rural financial; policy of reform and innovation; improve the system of property rights; the development of agricultural insurance; improve the financial environment
中文摘要：	受我国城乡和金融结构二元化的影响，农村金融市场既没有实现高增长，效率也不高，已经成为制约我国金融体制乃至经济体制市场化改革过程中迫切需要解决的重大问题，同时农村金融改革创新也是解决“三农”问题，实现农村资源资本化的重要途径。在当前我国经济发展处于换挡期，经济结构调整处于阵痛期的大背景下，本文对我市农村金融改革创新和政策促进经济结构调整等方面的研究都具有一定的理论和现实意义。 本文从促进我市有农业区县经济发展的目的出发，查阅文献资料、分析相关理论和统计数据。首先分别回顾了金融效率理论、金融发展理论和农村金融发展理论等国内外的相关理论，然后介绍了近年来我市农村经济和金融的发展情况，并对我市农村金融发展效率进行了实证研究，分析了天津农村金融体系的现状、存在的问题及原因，同时结合美国、日本和印度以及北京、重庆和福建沙县等国内外农村金融体系和制度发展的成功经验，最后结合我市农村金融体系建设和市场发展的实际情况，从三方面提出对策建议，一是农村金融环境制度建设，包括健全农村产权和企业制度、稳步培育发展农村资本市场、强化农村金融基础设施，二是农村金融主体改革，包括丰富完善农村金融机构体系、科学优化金融机构经营管理、加大对“三农”资金支持力度，三是拓展农业保险广度和深度，包括全力推进政策性农险和支持开办商业性农险等方面探讨我市农村金融体系改革创新的方向、路径以及政策支持，稳步提高我市农村金融市场发展速度，努力提升发展质量和水平，全面提高金融运行效率，促进金融与经济协调发展，吸引金融资本支持“三农”发展，科学合理发挥政策性金融、商业性金融和合作性金融在经济资源配置中的功能，建立起一个多样化、透明化、高效化的能满足农村金融需求的新型农村金融体系，实现阳光普惠金融的目标。
英文摘要：	Affected by the impact of China's urban and rural and financial dual structure, the rural financial market is neither to achieve high growth, efficiency is not high, has become a major problem to be solved urgently to restrict our country'sfinancial and economicsystem in the process of market reform, and rural financial reform innovation is to solve the "san nong" problems, an important method of the realization of rural resource capitalization. In the current economic development of China in the shifting period, the adjustment of economic structurein the background ofpains period,has a certain theoretical and practical significance to study the rural financial reform and innovation of our city andpolicy to promote economic structural adjustment and other aspects, from promoting our city’s agricultural area to develop economic purpose, finding literature data, analysising related theory and the statistical data, and then elaborate the development situation of the rural economy in our city in recent years, and make an empirical study on the efficiency of rural financial development in our city, and analysisproblem, reason and the status quo of Tianjinrural financial system based on a review ofthe financial efficiency theory, financial development theory and rural financial developmenttheory, combined with the successfuldevelopment experienceofUSA, Japan and Beijing, Chongqing and Shaxian, Fujian and other domestic rural financial system, combined with the actual situation of the rural financial market in our city, respectively from the rich and perfect rural financial system, improve the rural property rights and enterprise system, intensify support the "san nong" for funds, , expand the breadth and depth ofagricultural insurance, steadyfoster the development ofrural capital market, improve the rural financial infrastructure in our city and so on, discussing the reform of rural financial system innovation direction, path and policy support, steadily improve our city rural financial market development speed,and strive to improve the quality and level of development, andcomprehensivelyimprovefinancial operation efficiency, promote the financial and economic coordination development, attracting financial capital to support the development of "san nong". Policy finance, commercial finance and cooperative finance play scientific and reasonablefunctioninthe allocation of economic resources,establish a diversified, transparency, high efficiency of the new type of rural financial system to meet the needs of rural finance, achieve the sun common benefit financial goals.
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