我国农村金融服务存在的问题及对策研究

我国农村金融服务存在的问题及对策研究1我国农村金融服务存在的问题及对策研究ResearchonExistingProblemsinRuralFinancialServiceandCorrespondingSolutions作者：赵言力叶丹萍陈如梦丁晓洁（06金融工程）完稿日期：2007年10月11日我国农村金融服务存在的问题及对策研究2摘要：2007年4月19日—20日，由央行及亚洲开发银行联合举办的“完善农村金融市场国际研讨会”在北京召开，进一步加强社会对农村金融的关注。由于我国农业产业仍属于高风险产业，对农业的扩贷投入面临较大风险，加上国家管制严格，限制了农村金融市场的发展。针对国内农村金融市场改革的不合理现状，我们重点探讨了我国农村金融服务存在的问题，并提出对策建议以供参考。以下是本论文的基本思路：·我国农村金融服务存在的问题及对策研究·我国农村金融需求分析·农村金融机构概况·农村金融供求矛盾带来的问题·提升农村金融服务水平的建议关键词：农村金融；农民储蓄；农村贷款；农信社；非正规金融机构；农村金融服务Abstract：FromApril19thto20thin2007,theInternationalSeminarofPerfectingRuralFinancialMarketisheldinBeijingbyPBCandADB,reinforcingsocialattentiontoruralfinance.Expandingloansstillfacegreatchallengesduetothatouragriculturebelongstohigh-riskindustries.Moreover,thegovernment’sstrictrestraintlimitsruralfinancialmarketdevelopment.Focusingontheimmoderatecircumstancesinreformingdomesticruralfinancialmarket,wemainlyprobeintotheproblemsinruralfinancialservice,andmakefinalcountermeasuresaccordingly.Thebasicthoughtsareasfollows:Theexistingproblemsinourruralfinancialserviceandresearchinsolutions.TheanalysisofruralfinancialdemandsThegeneralsituationofruralfinancialorganizationsTheconsequencesofconflictindemandandsupplySuggestionsonupgradingruralfinancialserviceKeywords:ruralfinance;peasantsavings;ruralloans;ruralcreditcooperatives;informalfinancialorganizations;ruralfinancialservice我国农村金融服务存在的问题及对策研究3目录第1章、我国农村金融需求分析.......................................................................................................51.1农民储蓄需求特点................................................................................................................51.1.1储蓄的期限结构特征................................................................................................51.1.2更看重储蓄的安全性和流动性................................................................................51.2农村贷款需求分析................................................................................................................51.2.1低收益和高风险.......................................................................................................61.2.2季节性和时间性........................................................................................................61.2.3借款额度小...............................................................................................................61.2.4缺少传统意义上的抵押品........................................................................................61.2.5借贷的交易成本较高...............................................................................................71.2.6农户借贷资金的用途更为多样，其中有相当比例是非生产性的.......................7第2章、我国农村金融供给分析.......................................................................................................92.1我国农村金融市场中正规金融机构金融............................................................................92.1.1农信社改革初见成效........................................................................................................92.1.2农信社改革中发现的问题......................................................................................102.2我国农村金融市场中非正规金融机构..............................................................................112.2.1合会.........................................................................................................................112.2.2民间借贷..................................................................................................................112.2.3私人钱庄..................................................................................................................122.2.4民间集资..................................................................................................................122.2.5小额信贷..................................................................................................................122.2.6我国农村非正规金融的特点.................................................................................13第3章、农村金融供求矛盾带来的问题.........................................................................................143.1正规金融供需错位.............................................................................................................143.1.1贷款程序复杂、成本高与农村金融需求错位..................................................143.1.2贷款期限短、金额少，与农业生产周期不吻合..............................................143.1.3金融机构提供金融服务的意愿弱..........................................................................143.1.4对于适应农村需求的专业小额信贷机构得不到应有发展。.............................153.2农村资金大量外流.............................................................................................................153.3农村金融市场竞争缺失......................................................................................................163.4农村金融风险较高..............................................................................................................163.4.1正规金融存在风险.................................................................................................163.4.2非正规金融存在风险.............................................................................................17第4章、提升农村金融服务水平的建议..................................