文档介绍：华中科技大学硕士学位论文
摘要
要实现农村公共产品的有效供给,首先需要解决的是资金来源问题。农村公共
产品可以通过多元化的渠道来融资,其中金融是除了财政之外的另一条主要渠道。
金融可以利用其强大的资源配置功能,引导社会资本进入农村公共产品融资市场,
弥补财政投入的不足,而财政投资通过政策性金融进入农村公共产品市场也能避免
财政直接投资的低效率问题。
本文在农村公共产品多元化融资的理论基础上,归纳了农村公共产品融资中的
多样化金融供给与需求主体,认为影响农村公共产品融资中金融供需的主要因素是
微观借贷机制设计导致的贷款偿还问题。接着结合目前金融支持我国农村公共产品
融资的现状,归纳出我国农村公共产品融资缺乏有效的金融支持,是因为金融机构
在提供农村公共产品贷款时面临如下障碍:来自农村公共产品自身的融资障碍,来
自金融方面的障碍,以及来自政府规制的环境障碍。第五章分析了一个世界银行贷
款我国农村公共产品的成功案例,并将世行的成功经验与国内金融机构的贷款困难
进行比较。影响我国金融机构发放农村公共产品贷款的原因可以用前两章的内容来
总结:一是具体信贷机制设计的不完善,二是政府宏观管理和金融改革的不到位。
最后,文章提出从发挥财政资金的先行作用、调整农村金融机构的职能定位、完善
金融机构的可持续运营机制、建立有效的政府规制框架以及制定权责明确的还贷机
制五个方面来完善我国农村公共产品融资中的金融支持。
关键词:农村公共产品;融资;金融支持
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华中科技大学硕士学位论文
Abstract
This paper purports a deep research on the financing of rural public goods. There are
diversified channels for the financing of rural public goods, and finance is another
important channel in addition to the public finance. Finance can use its powerful resource
disposition function to make guidance for the social capital to enter the rural public goods
financing market, and make up the insufficient public financial investment. At the same
time, the public financial investment, which enters the rural public goods financing market
through the policy-oriented financial channel, can avoid the low efficiency in direct public
financial investment.
Based on the theory of diversified financing channels of rural public goods, this
paper analyses the diversified finance supply and demand entities in the rural public goods
financing market, and concludes that the main factor which influences the finance supply
and demand entities is the repayment of loans attributed to the design of micro-lending
mechanism. The next chapter analyses the present situation of the financial support in the
financing of rural public goods in China, and sums up the inefficient financial support in
the financing of rural public goods ascribed to the follow obstacles faced by the financial
institution