近年来,党中央、国务院以及中国人民银行、中国银欧亿·体育（中国）有限公司监督管理委员会制定了

一系列关于改革和完善农村金融体制的政策措施,如《深化农村信用社改革试点方

案》、《农村信用社改革试点资金支持方案实施与考核指引》、《关于调整放宽农村地区

银欧亿·体育（中国）有限公司金融机构准入政策,更好支持社会主义新农村建设的若干意见》等,各地区扎

实推进农村金融体制改革,农村金融业获得了较大的发展,但与积极发展现代农业、

建设社会主义新‘农村的目标要求相比,农村金融发展仍然存在着较大的差距。突出表

现在有效供给不足、市场竞争不充分、效率比较低下,无法有效满足农村发展、农业

增产和农民增收对金融服务的现实需求。

经过研究发现,农村合作金融的产权模式、产品和外部环境和经营模式的创新,

将赋予了农村金融市场极大的提升空间。

本文认为,作为我国这样一个农业大国,云南这样一个农业大省,农村金融的业

务将最大程度地惠及农民群众,值得研究和提出发展过程中的新的路径和新对策。十

八大和十八届三中全会的召开,明确提出大力发展农村中小企业和支持农村金融机

构。面对农村金融发展史上前所未有的重大举措,以及前所未有的发展机遇,意味着

将面对农村金融需求和服务等的挑战。客观环境要求我们,必须切实转变观念、创新

发展方式。

近平总书记的一句话很值得人深思,那就是“小康不小康、关键看老乡”,虽然

这句话很朴素,但是,其中蕴含的深刻含义却很丰富。本论文力图通过对国外农村合

作金融模式的研究和初探,结合目前国内的现状,并主要以云南景洪民生村镇银行合

作金融业务创新为例,提出一些见解和对策,力图让农村合作金融更好地为农村金融、

农民百姓服务。

关键词:农村;金融市场;经济;对策

I

昆明理工大学硕士学位论文
发展农村金融市场的对策研究一以景洪民生村镇银行为例

Abstract

In recent years, the State Council and the People's Bank of China, China Booking

Regulatory Commission has developed a series on rural financial system reform and

improve policy measures,such as deepen reform of rural credit cooperatives, the ”reform

of rural credit cooperatives funds to support program implementation and assessment

guidelines , a number of opinions on the adjustment of the relaxation of banking

institutions in rural areas access policy,and better support for the construction of a new

socialist countryside ,etc., all regions to effectively promote rural financial system reform,

rural financial sector get a larger development, but with the positive development of

modern agriculture and building a new socialist countryside objectives and requirements as

compared to rural financial development still exists a big gap. Outstanding performance in

the lack of effective supply, market competition is not sufficient,the efficiency is relatively

low,you can not effectively meet rural development, agricultural production and rural

incomes realistic demand for financial services.

After the study found that property rights model of rural cooperative financial,

product and external environment and innovative business model, will give the rural

financial market greatly improved space.

This paper argues that, as such a large agricultural country, a major agricultural

province of Yunnan, rural finance business will maximize the benefit of tiie peasants,

worthy of study and put forward in the development of new paths and new strategies.

Eighteen Japanese eighteen Third Plenary Session was held, clearly and vigorously support

the development of SMEs and financial institutions. Faced with unprecedented in the

history of the development of rural finance major initiatives,as well as unpreceUeiiieu

opportunities for development, means that the needs and the challenges of rural financial

services and the like. Objective environment demands that we must change the concept of

innovation development.

General Secretary of the sentence is nearly flat worth thinking about, that is