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面向“三農(nóng)”的農(nóng)村正規(guī)性金融機(jī)構(gòu)共生性研究

發(fā)布時(shí)間:2018-05-01 20:46

  本文選題:農(nóng)村金融機(jī)構(gòu) + 三農(nóng); 參考:《湖南大學(xué)》2012年碩士論文


【摘要】:2004年以來,黨中央連續(xù)發(fā)布一號(hào)文件來強(qiáng)調(diào)解決“三農(nóng)”問題的重要性,注重農(nóng)村金融改革以促進(jìn)農(nóng)村經(jīng)濟(jì)不斷發(fā)展,但農(nóng)村金融發(fā)展遭受現(xiàn)實(shí)困境:商業(yè)性金融機(jī)構(gòu)在農(nóng)村金融領(lǐng)域的功能嚴(yán)重弱化,政策性金融機(jī)構(gòu)功能不全,合作性金融機(jī)構(gòu)由于自身設(shè)置缺陷而無法滿足新型農(nóng)村經(jīng)濟(jì)發(fā)展的金融需求,使大量的農(nóng)戶金融需求無法得到有效的滿足。農(nóng)村不同經(jīng)濟(jì)主體呈現(xiàn)出來的金融需求多樣性,決定了不能由單一的金融機(jī)構(gòu)占有農(nóng)村金融市場(chǎng)。本文試圖從共生的角度探討不同類型農(nóng)村金融機(jī)構(gòu)之間相互作用與結(jié)合的相關(guān)問題,對(duì)農(nóng)村正規(guī)性金融機(jī)構(gòu)共生發(fā)展做深入研究。 首先以生物學(xué)的共生理論為起點(diǎn),應(yīng)用生物共生理論對(duì)農(nóng)村金融中的一些基本概念從共生的角度重新理解,明晰了農(nóng)村金融機(jī)構(gòu)共生的三要素,即共生環(huán)境、共生單元與共生模式,確立了農(nóng)村金融機(jī)構(gòu)共生的條件。通過對(duì)農(nóng)村金融機(jī)構(gòu)共生現(xiàn)況分析可知,盡管目前農(nóng)村金融服務(wù)體系中存在著以中國農(nóng)業(yè)發(fā)展銀行、中國農(nóng)業(yè)銀行和農(nóng)村信用合作社為代表的多種金融共生單元,但農(nóng)村金融市場(chǎng)建設(shè)進(jìn)程緩慢,法律法規(guī)不完善,競(jìng)爭(zhēng)環(huán)境紊亂,彼此之間職能不明而表現(xiàn)出競(jìng)爭(zhēng)而非合作的關(guān)系,并未形成一個(gè)完整的共生組織體系。而在共生體系下,資源配置將更加高效,機(jī)構(gòu)發(fā)展也將更加有序和均衡,這對(duì)農(nóng)村經(jīng)濟(jì)發(fā)展意義深遠(yuǎn)。 在理論與現(xiàn)狀的基礎(chǔ)上,針對(duì)農(nóng)村金融機(jī)構(gòu)成長(zhǎng)與生物種群生長(zhǎng)特征的類似性,均要經(jīng)歷一個(gè)產(chǎn)生、發(fā)展和穩(wěn)定共生演化過程,本文采用logistic基礎(chǔ)模型,,擬合出作為農(nóng)村正規(guī)性金融機(jī)構(gòu)代表的三大農(nóng)村金融機(jī)構(gòu)生長(zhǎng)曲線,簡(jiǎn)化出三者之間的共生模式。從三者在logistic生長(zhǎng)曲線演化路徑來看,三者都還處在生長(zhǎng)曲線的第一階段,下一階段各金融機(jī)構(gòu)將邁入加速度為正急速增長(zhǎng)的成長(zhǎng)期。在市場(chǎng)初期,三大金融機(jī)構(gòu)彼此之間具有不同功能的共生貢獻(xiàn)度,農(nóng)業(yè)發(fā)展銀行借助其低成本的融資優(yōu)勢(shì)形成的市場(chǎng)拓荒作用,而其他金融機(jī)構(gòu)在區(qū)域與功能上與農(nóng)業(yè)發(fā)展銀行支農(nóng)效果互補(bǔ),從而形成了連續(xù)的非對(duì)稱性互惠共生模式。三大金融機(jī)構(gòu)信貸規(guī)模還遠(yuǎn)遠(yuǎn)沒有達(dá)到支農(nóng)規(guī)模的最優(yōu)化,各金融機(jī)構(gòu)的信貸規(guī)模在一定程度上依賴于國家的優(yōu)惠政策和稅收補(bǔ)貼,農(nóng)村金融機(jī)構(gòu)的共生模式并不穩(wěn)定,急需深化自身改革擴(kuò)充業(yè)務(wù)量來提高支農(nóng)μ程度。
[Abstract]:Since 2004, the Party Central Committee has issued document No. 1 in succession to emphasize the importance of solving the "three rural" problems and to pay attention to rural financial reform in order to promote the continuous development of the rural economy. However, the development of rural finance suffers from practical difficulties: the functions of commercial financial institutions in rural finance are seriously weakened, and the functions of policy-oriented financial institutions are not complete. The cooperative financial institutions can not meet the financial needs of the new rural economic development because of their own defects, which makes a large number of farmers' financial needs can not be effectively met. The diversity of financial needs of different economic entities in rural areas determines that the rural financial market cannot be occupied by a single financial institution. From the perspective of symbiosis, this paper attempts to explore the interaction and combination of different types of rural financial institutions, and make a deep study on the symbiotic development of rural formal financial institutions. Firstly, based on the biological symbiosis theory, the author uses the biological symbiosis theory to re-understand some basic concepts of rural finance from the perspective of symbiosis, and clarifies the three elements of the symbiosis of rural financial institutions, that is, the symbiotic environment. The symbiotic unit and symbiotic model establish the condition of rural financial institution symbiosis. Through the analysis of the symbiosis of rural financial institutions, we can know that although there are many kinds of financial symbiosis units, such as Agricultural Development Bank of China, Agricultural Bank of China and Rural Credit Cooperative, in the present rural financial service system, However, the construction process of rural financial market is slow, the laws and regulations are not perfect, the competition environment is disordered, and the function of each other is not clear, showing the relationship of competition rather than cooperation, which has not formed a complete symbiotic organization system. In the symbiotic system, the allocation of resources will be more efficient, and the institutional development will be more orderly and balanced, which has far-reaching significance to the development of rural economy. On the basis of theory and present situation, aiming at the similarity between the growth of rural financial institutions and the growth characteristics of biological population, both of them have to undergo a process of production, development and stable symbiotic evolution. This paper adopts logistic basic model. The growth curves of three rural financial institutions, which are the representatives of rural formal financial institutions, are fitted to simplify the symbiotic model between them. From the evolution path of the three growth curves in logistic, the three are still in the first stage of the growth curve, and in the next stage, the financial institutions will step into a period of rapid growth with a positive acceleration. In the early stage of the market, the three major financial institutions have different functions of symbiotic contribution to each other, and the Agricultural Development Bank forms the market pioneer role by virtue of its low-cost financing advantage. Other financial institutions complement each other in their regional and functional effects to agricultural support by the Agricultural Development Bank, thus forming a continuous asymmetric reciprocal symbiotic model. The credit scale of the three major financial institutions is far from optimizing the scale of supporting agriculture. To some extent, the credit scale of the financial institutions depends on the preferential policies and tax subsidies of the state, and the symbiotic model of the rural financial institutions is unstable. It is urgent to deepen its own reform and expand its business volume to improve the degree of agricultural support 渭.
【學(xué)位授予單位】:湖南大學(xué)
【學(xué)位級(jí)別】:碩士
【學(xué)位授予年份】:2012
【分類號(hào)】:F832.35

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