文档介绍：河北经贸大学
硕士学位论文
农村金融需求缺口及提升有效需求研究
姓名:连漪
申请学位级别:硕士
专业:金融学
指导教师:杨兆廷;王景武
20081201
农村金融需求缺口及提升有效需求研究

中文摘要

金融是现代经济的核心,而农村金融是现代金融的重要组成部分,与农村经
济的发展有着密切的联系。当前农村金融在整个金融中的弱势地位既无力帮助解
决“三农”问题,又使农民在生产经营和生活中的巨大资金需求很难得到满足,
导致农村经济发展呆滞不前。反过来,呆滞的农村经济又无法促进农村自身发展
所需的资金积累和金融服务提升。这种金融供需失衡造成的恶性循环给现阶段我
国农村经济发展带来很大的障碍,急需采取切实有效的措施加以解决。本文主要
立足于农村金融的需求角度来论述农村金融的发展问题,以期最终达到促进农村
经济发展之目的。
本文以相关金融理论为基础,从我国农村金融需求缺口的测算入手分析说明
了我国农村地区资金贫瘠的现状,分析解释了农村金融供求存在缺口的根本原因
是欠发达的农村经济和农民的低收入,以及达成金融合约的条件与农村金融需求
不匹配所导致的农村金融有效需求不足。最后从农村经济的大背景下提出了如何
提升农村金融有效需求的具体方法与途径。
提升农村金融有效需求的具体方法为:促进土地制度创新、增进农户金融行
为的组织化程度、转变政府角色、加强农产品市场制度的建设、创新农村贷款的
抵押担保机制以及积极探索发展农业保险新形式。

关键字:农村金融缺口;农村金融有效需求;农户
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河北经贸大学硕士学位论文

Abstract

Finance is the core of modern finance is an ponent of
modern financial part. Rural economic development are closely linked with the rural finance.
The weak financial status of the rural finance not only cannot help solving the
"three-dimensional rural issues " , but also cannot meet the huge demand of money for
production and results in the stagnant development of rural the
contrary, the sluggishness of the rural economy can not be required to promote rural
self-development funds to enhance the accumulation and financial services. This financial
imbalance between supply and demand caused by the vicious circle of rural economy in our
country give a great deal of obstacles to the development. So it's urgent to take effective
measures to solve the problem. In this paper, we mainly based on the demanding aspect of the
rural financial point of view to discuss the development of rural finance, with the purpose to
promoting the development of the rural economic.

Based on relevant financial theory , this paper start with analysis on the rural financial
demanding gap, which shows the serious current situation of the money shortage in China's
rural then we analyse t