文档介绍：河北大学
硕士学位论文
我国农村民间金融制度规范化研究
姓名:吴丽华
申请学位级别:硕士
专业:金融学
指导教师:鲍静海
20100501
摘要
摘要
目前我国农村地区金融体系发展不健全,国有金融机构独大,并且在农村设立的正
规金融机构数量缩减,农村资金大量流失,农户和中小企业贷款难十分严重。农村民间
金融是一种内生的金融制度安排,是经济发展的必然产物,民间金融的适度发展有利于
提高金融体系效率,优化农村金融资源配置,但是,农村民间金融组织本身的行为具有
自发性、隐蔽性、高获利性,不加以规范将会对国家金融稳定产生不利影响。因此研究
我国农村民间金融制度规范化问题对我国金融体系体制改革和完善具有一定的现实意
义。
本文运用比较分析方法,以我国农村民间金融制度为研究对象,对我国的农村民间
金融制度的规范化进行研究。首先,在深入了解研究对象的基础上,分析了我国农村民
间金融制度的产生原因及存在不规范的问题,其次,通过比较分析美、德、法、日、台
湾等国家及地区的农村民间金融制度变化及特点,获得对各国及地区在民间金融制度上
总体把握和深刻认识,总结出对我国农村民间金融制度的有益启示。然后,提出了规范
我国农村民间金融制度的两种模式:民营银行和合作金融制度。最后,从完善法律制度、
加强监管和完善自律体系等方面,加强农村民间金融制度环境建设,完善我国民间金融
制度,推动农村民间金融制度规范化进程的顺利进行。

关键词民间金融制度规范化民营银行合作金融制度
I
Abstract
Abstract
At present, China's financial system in rural areas, the development of plete
dominance of state-owned financial institutions, and in rural areas set up to reduce the number
of formal financial institutions , a large amount of farmers and small and medium
enterprises in getting loans is very difficult. Rural private finance is an endogenous financial
system arrangement,which is the inevitable product of economic development, moderate
development of private finance is conducive to improving the efficiency of the financial
system, optimizing the allocation of financial resources in rural areas, but acts of private
anizations are spontaneous , hidden, highly profitable, are not regulated, they
would adversely affect the financial stability of the , it is important to study
China's rural private financial systems standardization for China's financial system reform and
improvement of a certain practical significance.
In this paper, by parative analysis of methods,the object of study is China's rural
non-governmental financial paper discussed standardization of process of China's
rural non-governmental financial system, put two modes to forward China's rural
non-governmental anizations to standardize the system : private banks and