發(fā)布時(shí)間：2018-10-25 14:23

【摘要】：隨著自治區(qū)經(jīng)濟(jì)高增速發(fā)展,政府和各金融機(jī)構(gòu)加大了農(nóng)牧業(yè)政策、財(cái)政支持,農(nóng)牧業(yè)也取得了長(zhǎng)足的進(jìn)步,但不可否認(rèn)由于自治區(qū)大部分城鎮(zhèn)規(guī)模小、人口分散,均衡發(fā)展投入大見效慢,目前多數(shù)城鎮(zhèn)的農(nóng)牧業(yè)經(jīng)濟(jì)發(fā)展仍處于較落后的狀態(tài),金融服務(wù)缺失,農(nóng)牧民收入增速緩慢資金運(yùn)轉(zhuǎn)困難,制約著自治區(qū)的轉(zhuǎn)型發(fā)展。作為自治區(qū)中部地區(qū)迅速崛起的農(nóng)牧業(yè)大盟——錫林郭勒盟,在這一特殊時(shí)期,農(nóng)村金融在調(diào)劑農(nóng)村資金余缺、提供農(nóng)村支付、轉(zhuǎn)賬、兌現(xiàn)等服務(wù)方面發(fā)揮了不可替代的作用。在錫盟地廣人稀、農(nóng)業(yè)迫切需要轉(zhuǎn)型發(fā)展的情況下,銀行、信用社等傳統(tǒng)金融機(jī)構(gòu),已經(jīng)遠(yuǎn)遠(yuǎn)不能滿足農(nóng)民日益增長(zhǎng)得金融需求,互聯(lián)網(wǎng)金融因其輕應(yīng)用、碎片化、及時(shí)性理財(cái)?shù)膶傩詽B透到廣大的農(nóng)村地區(qū)是農(nóng)村金融發(fā)展的必然趨勢(shì)。因此在供需視角下,科學(xué)探求農(nóng)村牧區(qū)互聯(lián)網(wǎng)金融發(fā)展策略,有利于緩解錫盟農(nóng)牧區(qū)金融矛盾,有利于加快農(nóng)村牧區(qū)經(jīng)濟(jì)社會(huì)轉(zhuǎn)型發(fā)展。目前國內(nèi)外在互聯(lián)網(wǎng)金融方面的研究多針對(duì)發(fā)達(dá)地區(qū)、大中城市,或針對(duì)某一方面。而后發(fā)地區(qū)、農(nóng)村人口眾多、農(nóng)牧業(yè)混合、需求量大、又具多元化特征的內(nèi)蒙草原城鎮(zhèn)的農(nóng)牧區(qū)金融需求及互聯(lián)網(wǎng)金融服務(wù)研究文獻(xiàn)還較少。本文在對(duì)錫盟經(jīng)濟(jì)、社會(huì)發(fā)展?fàn)顩r及農(nóng)牧區(qū)金融發(fā)展現(xiàn)狀進(jìn)行全面調(diào)查的基礎(chǔ)上,通過對(duì)農(nóng)牧戶借貸行為的考察,從供給和需求兩個(gè)方面對(duì)錫盟農(nóng)牧區(qū)金融服務(wù)進(jìn)行深入分析和研究,揭示目前供需矛盾的集中點(diǎn),并對(duì)互聯(lián)網(wǎng)金融業(yè)發(fā)展的利弊及地區(qū)適宜性進(jìn)行分析,以此為導(dǎo)向探討與錫盟相適宜的互聯(lián)網(wǎng)金融服務(wù)發(fā)展的有效途徑,以實(shí)現(xiàn)農(nóng)村經(jīng)濟(jì)發(fā)展對(duì)金融功能的需求與農(nóng)村金融體系對(duì)金融功能的供給二者的平衡;同時(shí)應(yīng)對(duì)農(nóng)牧區(qū)經(jīng)濟(jì)主體越來越多元化的金融需要。
[Abstract]:With the rapid economic growth of the autonomous region, the government and various financial institutions have increased their agricultural and animal husbandry policies. Financial support and agricultural and animal husbandry have also made considerable progress. However, it is undeniable that due to the small size of most towns in the autonomous region and the scattered population, At present, the development of agriculture and animal husbandry in most cities and towns is still in a relatively backward state, the financial service is lacking, and the slow growth rate of income of farmers and herdsmen is difficult to run, which restricts the transformation and development of the autonomous region. In this special period, rural finance plays an irreplaceable role in adjusting rural funds, providing rural payment, transfer, cash and other services. Under the circumstance that the territory of Ximeng is sparse and agriculture is in urgent need of transformation and development, traditional financial institutions such as banks, credit unions and so on can no longer meet the growing financial needs of farmers. Internet finance is fragmented because of its light application. It is the inevitable trend of rural financial development that the property of timely financial management permeates the vast rural areas. Therefore, from the perspective of supply and demand, scientific exploration of the development strategy of Internet finance in rural pastoral areas is conducive to alleviating the financial contradictions in the agricultural and pastoral areas of Ximeng and speeding up the development of economic and social transformation in rural pastoral areas. At present, domestic and foreign research on Internet finance is mostly aimed at developed regions, large and medium cities, or a certain aspect. In the later area, the rural population is large, the agriculture and animal husbandry are mixed, the demand is large, and the research literature on the financial demand and Internet financial service of Inner Mongolia grassland towns is still few. On the basis of a comprehensive investigation of the economy, social development and financial development in the agricultural and pastoral areas, this paper investigates the lending behavior of agricultural and pastoral households. From the two aspects of supply and demand, this paper makes a deep analysis and research on the financial services in Ximeng agricultural and pastoral areas, reveals the concentration points of the contradiction between supply and demand at present, and analyzes the advantages and disadvantages of the development of the Internet financial industry and its regional suitability. In order to balance the demand for financial function of rural economic development and the supply of financial function of rural financial system, this paper discusses the effective way to develop Internet financial services which is suitable for the development of Ximeng Association with a view to realizing the balance between the demand for financial function in rural economy development and the supply of financial function in rural financial system. At the same time, to deal with the agricultural and pastoral areas more and more diversified economic main financial needs.
【學(xué)位授予單位】：內(nèi)蒙古財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.7

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