論廣東先期城市化地區(qū)農(nóng)村金融體系的再造

摘 要
作為城市化基礎(chǔ)性前提的農(nóng)業(yè)發(fā)展和農(nóng)業(yè)生產(chǎn)率提高離不開農(nóng)村金融支持，廣東地區(qū)先期城市化地域，農(nóng)業(yè)發(fā)展受資金制約嚴(yán)重，結(jié)構(gòu)性問題和逆向配置問題嚴(yán)重，銀行業(yè)普遍存在網(wǎng)點覆蓋不平衡、金融供給不充足以及競爭不充分三大問題，亟待完善金融服務(wù)體系，改善金融資源配置條件。本文將從分析廣東地區(qū)農(nóng)村金融體系功能缺陷入手，強調(diào)強調(diào)農(nóng)村金融體系的構(gòu)建應(yīng)由“供給主導(dǎo)需求”轉(zhuǎn)變?yōu)椤靶枨笾鲗?dǎo)供給”，提供適宜的多層次的金融服務(wù)，滿足需求主體各層次的需求，并提出農(nóng)村金融體系再造應(yīng)該遵循的原則，針對機構(gòu)產(chǎn)權(quán)轉(zhuǎn)變、績效評價以及體系構(gòu)造的依據(jù)三個方面提供一些思路。

關(guān)鍵詞： 體系構(gòu)建,農(nóng)村金融服務(wù)體系,功能缺陷

Abstract
As the basic premise of urbanization, the improvement of agricultural productivity and the agricultural development cannot depart from financial support. The agricultural development of Guangdong face serious capital constraints 、structural problems and serious reverse configuration problems. On the other hand, banking has the widespread problems of unbalanced branch coverage, inadequate financial supplement and insufficient competition. All these issue eager us to perfect rural financial service system and improve the allocation of financial resources conditions. This article will first analysis function defects of Guangdong rural financial service system, emphasize the construction of rural financial system should realize the transformation from “supply dominate demand” to “demand dominate supply”, provide appropriate multi-level financial services, and meet all levels demand of rural demand subject. Then put forward the principle of the reconstruction of rural financial service system. Accordingly, provide some ideas to property transformation performance eva luation and foundation of system construction.

Key words：Rural financial service system; Functional defect;
System construction;

目 錄
摘 要……………………………………………………………………Ⅰ
Abstract……………………………………………………………………Ⅱ
一、研究該課題的背景…………………………………………………1
二、國內(nèi)外研究狀況………………………………………………………1
㈠ 外國文獻(xiàn)綜述……………………………………………………………1
㈡ 國內(nèi)文獻(xiàn)綜述……………………………………………………………2
三、廣東農(nóng)村金融體系結(jié)構(gòu)演進(jìn)……………………………………………4
四、廣東農(nóng)村金融體系功能缺陷……………………………………………5
㈠ 商業(yè)性金融機構(gòu)逐步退出，直接減少金融供給總量……………………6
㈡ 政策性金融功能缺位，難以擔(dān)當(dāng)政策支持的責(zé)任………………………6
㈢ 農(nóng)村信用社支農(nóng)乏力，難以適應(yīng)農(nóng)村經(jīng)濟(jì)發(fā)展的需要…………………6
㈣ 郵政儲蓄制度缺陷，削弱農(nóng)村金融支持…………………………………7
㈤ 最終目標(biāo)經(jīng)濟(jì)主體對貨幣政策傳導(dǎo)的障礙……………………………7
五、廣東農(nóng)村金融體系缺陷分析……………………………………………7
㈠ 忽視農(nóng)村金融相較于城市金融的特殊性………………………………8
㈡ 忽視農(nóng)村金融功能完善對農(nóng)村經(jīng)濟(jì)發(fā)展的重要性……………………9
六、廣東先期城市化地域農(nóng)村金融體系構(gòu)建………………………………10
㈠ 廣東農(nóng)村金融體系構(gòu)建原則……………………………………………10
㈡ 廣東農(nóng)村金融體系構(gòu)建思路……………………………………………11
參考文獻(xiàn)……………………………………………………………………15
致 謝……………………………………………………………………16