1、中文 4780 字 毕业设计 （论 文） 外文翻译 题目： 美国农村金融管理模式 姓 名 学 号 所在学院 经济与政法学院 专业班级 指导教师 日 期 2014 年 4 月 5 日 外文题目： Rural Financial Manegement In America 出 处： Rural Cooperatives 作 者： Steve Lockwood 原 文： Rural Financial Manegement In America By Steve Lockwood Rural Finance: The American Experience Construction of the r
2、ural financial system the U.S. The basic principle is to provide financial support for agricultural development. After years of development, rural America as a whole formed a multi-level, full range of financial institutions, through government subsidies, the development of rural financial system, i
3、ncrease agricultural production, agricultural loans and various channels such as social, agricultural financing funds to meet the agricultural the development of a variety of financial needs, to provide the financial security of agricultural modernization. Building a new socialist countryside, we mu
4、st adhere to the development of the rural economy as the center, and developing the rural economy can not do without the support of rural finance. Rural econenomic development of rural finance as the most important elements of the capital allocation system,and its role more and more obvious,rural fi
5、nancial Xingxing is agriculture,rural finance activities,the agricultural activities.Agricultural development from the experience of other countries, both developed and developing countries have attached great importance to rural financial institution building. In some countries the rural financial
6、development better, establish a general policy, including financial, co-finance and rural insurance, including comprehensive, multi-level financial system, establish a fund to support rural development cycle of long-term mechanism, more better support the rural and agricultural development, safeguar
7、ding the interests of the majority of farmers. We are on the rural financial system in these countries a comparative analysis of proposed rural financial system and improve the path selection. The rural financial system construction rationale Rural financial theory to the formation and development,
8、has received the modern financial development theories and policies of influence. From developing countries of rural financial theory perspective, the three major genres: agricultural financing theory, rural financial market theory and recent incomplete competition theory. In the early 1980s, before
9、 agriculture finance theories have been rural financial theory of mainstream. This theory is based on that of rural residents, especially poor strata not saving ability, rural is facing fund shortage problem. And because the agricultural output characteristics (income uncertainty, investment long-te
10、rm and low yield, etc.), agriculture and cannot be a commercial banks investment object, this makes the rural financial mess up, a large amount of fund outflow. Therefore, it is necessary to rural peripheral infuse policy fund, and establish non-profit professional financial institutions to capital
11、allocation. However, this over-reliance on external funding of rural financial policy has sparked funds, the low efficiency of the low return a series of contradictions, in addition to the rural financial market mechanism of neglect, cause rural financial cycle development the long-term mechanism of
12、 difficult to build. In the 1980s, the rural financial market theory gradually replaced agricultural credit subsidies theory. Its main theories, the lack of rural financial capital, not because farmers not saving ability, but due to the rural financial system unreasonable financial arrangements (suc
13、h as government regulation, interest rate control, etc.), curb its development. Its policies are: to play a role in financial markets, and reduce government intervention, realize interest rate marketization, achieving rural savings and capital supply and demand the balance, Cancel special specific t
14、arget loan system, the appropriate development of non-formal finance market, etc. Since the 1990s, again appeared imperfect competition market theory. This theory is mainly, and the market mechanism is not everything, for stable financial market for reasonable government intervention is necessary. Imperfect competition market is the representative figure of SiDiGeLiCi that because of the existence of market failure factors, the government in rural financial market a very important role, but the government also cannot replace market, but should
