文档介绍：山西财经大学
硕士学位论文
山西新型农村金融机构发展研究
姓名:张琛
申请学位级别:硕士
专业:金融学
指导教师:油晓峰
2010-03-28
摘要
农村金融作为农村经济的核心,在农村经济的发展中肩负着历史的重任。
长久以来,山西农村金融服务存在着功能弱化,信贷资金供需矛盾突出等问题,
严重制约着新农村建设的顺利推进。于此同时,农村金融的进入门槛一直很高,
农村地区不论是机构或是资金都长期处于出大于进的状态。年中国银监会
发布了《关于调整放宽农村地区银行业金融机构准入政策,更好支持社会主义
新农村建设的若干意见》,降低了包括外资在内的各类资本进入农村金融市场
的门槛,银监会首次提出了新型农村金融机构的概念。新型农村金融机构的产
生对农村金融市场产生了前所未有巨大的影响。本文以农村金融理论和金融组
织创新理论作为切入点,立足山西农村具体情况,利用山西省——年
间的大量金融数据来分析、阐述山西农村金融体系中存在的供需失衡问题,并
进一步剖析其中原因。在此基础上,引出新型农村金融机构的内涵,分析了新
型农村金融机构发展过程、优劣势和市场定位,并引申分析山西新型农村金融
机构对农村金融供给的影响。最后探究了山西新型农村金融机构发展所产生的
问题及初步对策。

【关键词】山西农村金融供需新型农村金融机构发展

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Abstract
Rural finance is the key of rural economy, and has the important task in the development of
rural economy. For many years, our rural financial service is weaken in the functions in ShanXi
Province, the contradiction of the both side in demand and supply of credit fund is very highlight
which is a serious block of the new rural smooth-going building. At the same time, the threshold of
our rural finance is always high in history, no matter of the insititution or the fund has the most
status ing is less than going, In 2006 China Banking mission published the
policy <Inorder to provide the new rural financial building concerning adjusting to wide the
policy which builds banking institutiongs in rural distinct >, to debase all capital beside the
foreign capital entrance threshold in rural financial market, and China Banking Regulatory
Commission advanced the concept of new rural financial institutions. New rural financial has the
ability to bring unprecedented effect in the rural market. This thesis uses a amount of financial data
in 1996— 2009 in ShanXi Province to analysis the out of balance problem of demand and supply
in our rural system, which is under the basic of two theory, one is the theory of rural finance and the
other is the theory of the invention of the anizations, by looking deeply into our rural
financial c