本文選題：農(nóng)村金融服務水平　切入點：經(jīng)濟福利　出處：《華中農(nóng)業(yè)大學》2013年碩士論文　論文類型：學位論文

【摘要】：金融發(fā)展與經(jīng)濟增長之間的正向互促關系已被國內(nèi)外眾多的實踐所證實,但金融發(fā)展的經(jīng)濟福利效應問題尚存在若干爭議,其原因在于忽略了金融服務水平這一維度。作為衡量金融發(fā)展的一個重要指標,金融服務水平的提升在促進經(jīng)濟增長的同時,是否能促進微觀個體的經(jīng)濟福利?尤其是,新一輪農(nóng)村金融體制改革以來,我國農(nóng)村金融服務的水平是否已經(jīng)得到顯著改善?是否增進了農(nóng)村居民的經(jīng)濟福利?以上問題的回答可以在一定程度上折射出“農(nóng)村金融新政”的政策效果。 本文以金融發(fā)展理論為研究基石,提出了農(nóng)村金融服務水平的提升可以促進農(nóng)村居民經(jīng)濟福利的基本假說。文章的基本研究思路是：首先從理論上論證金融服務與經(jīng)濟福利的因果互動關系,然后選取我國2006年至2010年的省級面板數(shù)據(jù)進行了實證檢驗。為進一步說明金融服務促進經(jīng)濟福利的直觀效果,本文以湖北洪湖為例,進行了典型案例分析。全文的基本研究內(nèi)容與結(jié)論如下： 金融服務與經(jīng)濟福利之間的影響機制。本文首先對金融服務與經(jīng)濟福利之間的關系進行了理論層面的探索。通過對相關文獻的綜述,選取了可測的農(nóng)村居民經(jīng)濟福利指標,借鑒金融發(fā)展與經(jīng)濟增長的影響路徑分析范式,解析了農(nóng)村金融服務與經(jīng)濟福利之間的關系,認為兩者之間存在互動影響機制。 測算2006年至2010年我國農(nóng)村金融服務水平。本文運用層次分析法(AHP)對我國農(nóng)村金融服務水平進行測度,發(fā)現(xiàn)我國各省農(nóng)村金融服務水平具有明顯的地域差異,且整體上我國農(nóng)村金融服務水平偏低,有待進一步提升。 構建農(nóng)村居民經(jīng)濟福利綜合評價指數(shù)并進行實證檢驗。借鑒IFI的多維度指數(shù)構建方法,本文測算了我國農(nóng)村居民2006年至2010年的經(jīng)濟福利水平；在此基礎上,基于柏格森——薩繆爾森函數(shù)建立了動態(tài)面板數(shù)據(jù)模型,實證檢驗了農(nóng)村金融服務對經(jīng)濟福利的影響,這也是本文研究的最終目的。結(jié)果表明：我國農(nóng)村金融服務水平的提升對農(nóng)村居民經(jīng)濟福利具有正向影響；農(nóng)村金融服務中的網(wǎng)點設施建設情況、貸款服務和保險服務對農(nóng)村居民經(jīng)濟福利有著正向影響。 為展現(xiàn)金融服務與經(jīng)濟福利之間的直觀關系,本文選取湖北洪湖進行了典型案例分析,該案例是對全文理論分析與實證檢驗的一個簡單詮釋與印證�；谏鲜鲅芯�,本文認為,我國農(nóng)村金融改革的政策效果正在顯現(xiàn)但有待加強；增加農(nóng)村金融服務供給、提升整體農(nóng)村金融服務水平是促進農(nóng)村居民經(jīng)濟福利水平的重要途徑。
[Abstract]:The positive relationship between financial development and economic growth has been confirmed by many practices at home and abroad, but there are still some controversies on the economic welfare effect of financial development. The reason lies in ignoring the dimension of financial service level. As an important index to measure financial development, the improvement of financial service level can promote the economic welfare of micro-individuals while promoting economic growth. In particular, since the new round of rural financial system reform, the level of rural financial services in China has been significantly improved? Has it improved the economic well-being of rural residents? The answer to the above question can reflect the policy effect of the New deal of Rural Finance to some extent. This article takes the financial development theory as the foundation stone, This paper puts forward the basic hypothesis that the improvement of rural financial service level can promote the economic welfare of rural residents. The basic research ideas of this paper are as follows: firstly, the causal interaction between financial services and economic welfare is demonstrated theoretically. Then the provincial panel data from 2006 to 2010 are selected for empirical test. In order to further illustrate the intuitive effect of financial services in promoting economic welfare, this paper takes Honghu Lake, Hubei Province, as an example. The basic research contents and conclusions are as follows:. The influence mechanism between financial services and economic welfare. Firstly, this paper explores the relationship between financial services and economic welfare theoretically. Through the review of relevant literature, the paper selects measurable indicators of economic welfare of rural residents. Based on the paradigm of influence path analysis of financial development and economic growth, this paper analyzes the relationship between rural financial services and economic welfare, and points out that there is an interactive influence mechanism between the two. From 2006 to 2010, this paper measures the level of rural financial services in China by using the Analytic hierarchy process (AHP), and finds that there are obvious regional differences in the level of rural financial services in various provinces in China. And the overall level of rural financial services in China is low, to be further improved. To construct the comprehensive evaluation index of rural residents' economic welfare and carry on the empirical test. Using IFI's multi-dimensional index construction method, this paper estimates the economic welfare level of rural residents from 2006 to 2010, and on this basis, Based on Bergson-Samuelson function, a dynamic panel data model is established to test the impact of rural financial services on economic welfare. The results show that the improvement of rural financial service level has a positive impact on the economic welfare of rural residents. Loan services and insurance services have a positive impact on the economic welfare of rural residents. In order to show the intuitive relationship between financial services and economic welfare, this paper selects Honghu Lake in Hubei Province to carry out a typical case study, which is a simple interpretation and confirmation of the theoretical analysis and empirical test of the full text. This paper holds that the policy effect of rural financial reform in China is showing but needs to be strengthened, and that increasing the supply of rural financial services and raising the overall level of rural financial services are important ways to promote the economic welfare level of rural residents.
【學位授予單位】：華中農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.7

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