基于供给视角的农村金融改革研究

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1、天津财经大学博士学位论文基于供给视角的农村金融改革研究姓名：高晓燕申请学位级别：博士专业：金融学指导教师：王爱俭20071101英文摘要AbstractAccordingtotheStateStatisticsBureau’Sinitialforecast，China'snewlyincreaseddemandforfundofnewruralconstructionhasreachedatotalof15to20trillionyuanorsoby2020，andit’Sobviousthatfinancewilltaketheresponsibility．

2、Currently，theexistingruralfinancialmainproblemisthesupplyoffinancialrestraint．Commercialfinanceisreluctanttogetinvolvedin，thereforeitdirectlyreducescreditfundsinputsforthe¨agriculture，countrysideandfarmer¨；Lackofcooperativefinancialsupportforagriculturecan’tmeettheneedsoffinancialse

3、rvicesforthe"agriculture，countrysideandfarmer¨economicdevelopment；Theurbanizationofruralfundsdramaticallyreducessupplyintensityofruralsupport；Theactivefolkdebitandcreditincreasesthedebtburdenoffarmersandruralfinancialrisks．Generallyspeaking，China'sregionaleconomyhasshownthepatternof

4、strongEast-weakWest,strongcity—weakcountry．Accordingly，thewriterdividewilldivideChina’Sregionalfinancialsupplymodelintofourcategories：(1)Competitioninthemarket—basedregionalfinancialsupplymodel．(2)Moderate—ledgovernmentregionalfinancialsupplymodel．(3)Government-supportingregionalfin

5、ancialsupplymodel．(4)Differencesinurbanandruralareasofthefinancialsupplymodel．Chinaisalargecountry，theruralfinancialreformshouldreflectregionaldifferences，differentlevelsofeconomicdevelopment．intheeastern，central，and2英文摘要westernregions，thedifferentemphasisoffinancialdemandsandformso

6、ffinancialsupplyin’modernruralareas，developingruralareasandlessdevelopedruralareas．Easternandmodernruralareasmainlyfocusoncommercialfinance，thecentralanddevelopingruralareasfocusoncooperativefinance，westernregionsandless—developedruralareasfocusonpolicyfinanceandcooperativefinance．T

7、histhesisanalyzestheopermingmechanismofruralcreditagencyreformingintojoint-equitybank，ruralcooperativebankandjoint-equityandcoopermivebank，furthermore，andexploresthefeaturesofthefuturedevelopmentofthecreditagencyinthemodeofcommunitybanks．Thewriterparticularlyillustratesthefeatures，f

8、unctionsandrisksofs