貴州農(nóng)村經(jīng)濟(jì)論文：貴州省農(nóng)村金融抑制及改進(jìn)措施研究-

貴州農(nóng)村經(jīng)濟(jì)論文：貴州省農(nóng)村金融抑制及改進(jìn)措施爭辯【中文摘要】農(nóng)村金融是農(nóng)村經(jīng)濟(jì)的核,是推動農(nóng)村經(jīng)濟(jì)進(jìn)展的關(guān)鍵因素。改革開放以,貴州省農(nóng)村經(jīng)濟(jì)取得了較快的進(jìn)展,農(nóng)夫收入了明顯的提,農(nóng)村金融體系得到了有效的改善。但是目前貴州農(nóng)村金融抑制現(xiàn)象照舊存,在肯定程度上制約著農(nóng)村經(jīng)濟(jì)的進(jìn)展。本文綜述了關(guān)于農(nóng)村金融抑制的國內(nèi)外現(xiàn)狀爭辯,并以金融抑制論、金融深化論、金融約束論以及農(nóng)村金融理論為理論基首先從農(nóng)村正規(guī)金融和非正規(guī)金融兩個(gè)方面闡述了貴州農(nóng)村金融體系的現(xiàn)初步發(fā)覺貴州農(nóng)村存在金融抑制。接著運(yùn)用戈德史密斯的金融相關(guān)比率指標(biāo)通過與貴州省金融進(jìn)展、全國進(jìn)展水平進(jìn)行比,分析了貴州農(nóng)村金融進(jìn)展水發(fā)覺貴州農(nóng)村金融進(jìn)展落后貴州金融進(jìn)展 年開頭逐步縮小與全國的,2004平均水平的差,到 年甚至超過了全國平均水平。其接受 年2009 1996 —2009年的農(nóng)村金融相關(guān)比率和信貸比對貴州農(nóng)村經(jīng)濟(jì)與農(nóng)村金融之間的關(guān),,對檢驗(yàn)結(jié)果分析發(fā)覺針對實(shí)證分析的結(jié)果和貴州實(shí)際狀況,,造成農(nóng)村金融市場缺乏有效的競爭。農(nóng)業(yè)銀行、農(nóng)業(yè)進(jìn)展銀行、農(nóng)村信用合作社、郵政儲蓄銀行等農(nóng)村正規(guī)金融機(jī)構(gòu)又由于各自當(dāng)前存在的問題,造成農(nóng)村金融主體供應(yīng)不足非正規(guī)金融;,經(jīng)營風(fēng)險(xiǎn)系數(shù)高、市場,,農(nóng)村金融機(jī)構(gòu)供應(yīng)的金融;,真正滿足農(nóng)村經(jīng)濟(jì)市場化、信金融市場服務(wù)缺乏創(chuàng)新貴州省的農(nóng);業(yè)基本上還是處于“靠天吃飯”的一種局面,農(nóng)業(yè)面臨著巨大的自然風(fēng),,但是由于由,,導(dǎo)致了農(nóng)業(yè)保險(xiǎn)進(jìn)展滯后我國農(nóng)村法制環(huán)境的建設(shè)剛起步,法律法規(guī)還不夠健全;,影響著農(nóng)村金融生態(tài)環(huán)境的建設(shè)。最終,依據(jù)帕特里克所提出的消退金融抑制的兩種路徑,貴州應(yīng)當(dāng)選擇供應(yīng)領(lǐng)先型的模式。對于改進(jìn)貴州農(nóng)村金融抑制的現(xiàn)狀政策建議,本文認(rèn)為應(yīng)當(dāng)深化農(nóng)村金融組織體系,督促正規(guī)金融機(jī)構(gòu)改進(jìn)當(dāng)前所存在的不足,發(fā)揮各自的優(yōu)勢,加大金融創(chuàng)新力度政府;加強(qiáng)對民間金融的指導(dǎo)和規(guī)范,放寬金融農(nóng)村金融市場的準(zhǔn)入門檻,鼓舞社會各類資本建立新型農(nóng)村金融機(jī)構(gòu)大力進(jìn)展農(nóng)業(yè)保險(xiǎn)和資本市場,降;,同;營造出良好的金融環(huán)境完善農(nóng)村擔(dān)保體系改進(jìn)當(dāng)前由于農(nóng)村擔(dān)保品缺乏導(dǎo)致的貸款;,鼓舞其他各金融機(jī)構(gòu);,削減政府對;利率的干預(yù),有效提高資本的投資效率和資源配置,促進(jìn)社會經(jīng)濟(jì)的發(fā)展?！居⑽恼縍uralfinanceisthecoreoftheruraleconomy,whichisthekeyfactortopromoteruraleconomydevelopment.Sinceourcountryhasreformedandopened,ruraleconomyinGuizhouProvincehasachievedrapidlydevelopment,incomeoffarmershassignificantlyimprovedandruralfinancialsystemhasbeeneffectivelyimproved.ButnowthephenomenonoffinancialrepressioninGuizhoururalstillexists,toacertainextent,whichrestrictsthedevelopmentofruraleconomyThispaperreviewsthefinancialrepressionresearchathomeandabroad,andbasedonthetheoryoffinancialrepression,financialdeepeningandfinancialrestraint,firstlythepaperanalyzethestatusoftheruralfinancialsysteminGuizhoufromtheruralformalfinanceandruralinformalfinance,andfoundthatruralfinancialrepressionexistsinGuizhou.thenusingthefinancialratioscomparedwithfinancialdevelopmentwiththeGuizhouProvinceandthenationaldevelopmentlevelanalyzedtheleveloffinancialdevelopmentinruralareas,theresultsarethatGuizhoururalfinancialdevelopmenthaslaggedbehindoffinancialdevelopmentinGuizhou,andBeginningin2004,thegapwiththenationalaveragelevelisgraduallynarrowing,evenmorethanthenationalaveragelevelin2009.Secondly,followedbytherelevantratioofruralfinanceandcreditratioin1996-2009,thepaperempiricallyanalyzestheruraleconomyandruralfinancialrelationship.TheGrangercausalitytestshowedthattheexpansionofruralfinancialdevelopmentandtheadditioninthenumberofloansareabletopromoteruraleconomicdevelopment,andfoundthatfinancialrepressionreallyexistsinGuizhouThen,basedontheresultsoftheempiricalanalysisandtheactualsituationinGuizhou,researchingthecausesofthefinancialrepressioninGuizhoufoundthattherootofruralfinancialrepressionarethatlarge-scaleruralformalfinancialmergingCountyandthefollowingfinancialservicesbranch,resultinginruralfinancialmarketlackofeffectivecompetition,becauseofthecurrentproblemsofTheAgriculturalBank,theAgriculturalDevelopmentBank,ruralcreditcooperatives,postalBankandotherformalfinancialinstitutionsinruralareasisnotthefullandeffectivesupportingtoagriculture,resultingininsufficientsupplyofruralfinancialbody;non-formalfinancialislackofeffectivesupervisionManagement,coupledwiththeinternalsystemisnotstandardized,businessriskishigh,marketenvironmentconfused,tosomeextent,whichaffectstheimplementationofrelevantstatepoliciesandnotpromotestheruraleconomichealthydevelopment;fromthecurrentruralfinancialmarket,Ruralfinancialinstitutionsprovidefinancialproductsarestillthetraditionaldeposits,loans,remittance-based,realneedsofruralmarketeconomy,informationtechnologyanddiversifiedfinancialproductsareveryfew,thefinancialserviceislackofinnovationinfinancialmarkets;agriculturalofGuizhouProvinceisstillina“dependentontheweather“situation,agriculturefacesenormousnaturalrisksandmarketrisks,althoughGuizhouhaslaunchedapilotagriculturalinsurance,butbecauseofthehighrateofagriculturalinsuranceclaiming,commercialinsuranceinstitutionswouldnotliketogetinvolvedinagriculturalinsurance,agriculturalinsurancedevelopmentlagbehind;rurallegalenvironmentconstructionisjustbeginning,lawsandregulationsarestillinadequate,somefarmersandenterprisesarelackoftheawarenessofintegrity,financialdebtcasessometimesoccurred,whichaffecttheruralfinancialecologicalenvironmentconstruction.Finally,accordingtoPatrick’sfinancialrepressionsolutionpaths,Guizhoushouldchoosesupply-leading.Asforthepolicyproposalsofimprovingfinancialrepression,thepaperthinksthatshoulddeepenruralfinancialsystem,urgingtheformalfinancialinstitutionstoimprovethecurrentweaknesses,playtheirstrengthsincreasefinancialinnovation;strengthenguidanceandnormsonprivatefinance,relaxruralfinanceaccessthresholdforfinancialmarketsandencouragevarioustypesofcapitaltoestablishanewruralfinancialinstitutions;developagriculturalinsuranceandcapitalmarketstoreducetheriskofagriculturalproduction;optimizetheruralfinancialecologicalenvironment,speedingupruralcreditsystem,strengtheningtheintegrityofeducationandpublicityandincreasingactsofevasioncrackdownondebttocreateasoundfinancialenvironment;innovateguaranteesysteminruralareastoimprovethecurrentlackofcollateralasaresultofruralloanshardproblem;increasepolicytosupportruralfinancedevelopmentandencourageotherfinancialinstitutionstoincreasethecreditloans;acceleratetheprocessof【備注】索購全文在線加好友：1【備注】索購全文在線加好友：139938848marketofinterestratesinruralareasandreducegovernmentinterventionintheinterestratetoeffectivelyimprovetheefficiencyofcapitalinvestmentandresourceallocationandpromotesocialandeconomicdevelopment.. . . . .同時(shí)供應(yīng)論文寫作一對一指導(dǎo)和論文發(fā)表托付服務(wù)【關(guān)鍵詞】貴州農(nóng)村經(jīng)濟(jì)農(nóng)村金融抑制實(shí)證分析改進(jìn)措施【英文關(guān)鍵詞】GuizhouRuraleconomyRuralfin