本文選題：農(nóng)村金融 + 金融地理學(xué)��； 參考：《湖南大學(xué)》2013年碩士論文

【摘要】：十八大報告指出：解決好農(nóng)業(yè)、農(nóng)村、農(nóng)民問題是全黨工作重中之重。農(nóng)村金融作為農(nóng)村經(jīng)濟(jì)的重要杠桿，是解決“三農(nóng)”問題的關(guān)鍵。然而我國農(nóng)村金融面臨商業(yè)性金融支農(nóng)不足、農(nóng)村信用社屬性模凌兩可、農(nóng)村政策性金融功能弱化、農(nóng)村金融市場失靈等問題。盡管黨的十七屆三中全會《中共中央關(guān)于推進(jìn)農(nóng)村改革發(fā)展若干重大問題的決定》確定了加快建立商業(yè)性金融、合作性金融、政策性金融相結(jié)合的農(nóng)村金融體系這一重大戰(zhàn)略決策，但我國農(nóng)村金融排斥程度仍然較大，31個�。▍^(qū)、市）中54.8%的地區(qū)遭受了嚴(yán)重的金融排斥，農(nóng)村金融發(fā)展區(qū)域差距拉大，這將嚴(yán)重影響建立健全適應(yīng)“三農(nóng)”特點的多層次、廣覆蓋、可持續(xù)的農(nóng)村金融體系目標(biāo)的實現(xiàn)。因此考察我國農(nóng)村金融發(fā)展差異程度及影響因素能為農(nóng)村金融政策的制定提供一定思路。 目前國內(nèi)已有的關(guān)于農(nóng)村金融差異度量的研究中，多以定性描述、單指標(biāo)分析為主；有關(guān)農(nóng)村金融差異影響因素的研究中，，多采用傳統(tǒng)統(tǒng)計模型研究農(nóng)村經(jīng)濟(jì)對金融的影響，較少考慮農(nóng)村地理位置、自然條件、文化科技等因素。鑒于此，本文試圖從金融總量、金融結(jié)構(gòu)、金融效率和金融支持環(huán)境四個方面建立農(nóng)村金融綜合發(fā)展指標(biāo)體系全面衡量農(nóng)村金融發(fā)展差異現(xiàn)狀；在此基礎(chǔ)上，從金融地理學(xué)角度，運用模糊曲線法，將各金融地理因素（地理環(huán)境、科技、文化、基礎(chǔ)設(shè)施、勞動力、經(jīng)濟(jì)、對外開放水平、聚集程度）納入實證分析，考察各金融地理因子對農(nóng)村金融綜合發(fā)展水平的貢獻(xiàn)程度。 研究結(jié)果表明，我國農(nóng)村金融綜合發(fā)展水平差異明顯，2005年后區(qū)域內(nèi)省際差異程度大于區(qū)域間差異；農(nóng)村金融發(fā)展省際差異聚類劃分和東中西經(jīng)濟(jì)區(qū)域劃分有所不同；各金融地理因子中設(shè)施因子影響程度最大，科技、文化、地理環(huán)境、經(jīng)濟(jì)因子影響次之，開放、勞動、聚集因子影響程度較小。 最后，本文認(rèn)為，縮小農(nóng)村金融區(qū)域發(fā)展差異不應(yīng)僅依靠發(fā)展農(nóng)村經(jīng)濟(jì)和財政扶持，應(yīng)統(tǒng)籌各種金融地理因素，尤其應(yīng)注重農(nóng)村基礎(chǔ)設(shè)施建設(shè)、科技和文化對農(nóng)村金融發(fā)展的顯著提升效應(yīng)，提高農(nóng)村金融內(nèi)生發(fā)展能力。
[Abstract]:The report of the 18th National Congress pointed out that solving the problems of agriculture, rural areas and farmers is the top priority of the whole Party's work. As an important lever of rural economy, rural finance is the key to solve the problem of agriculture, countryside and farmers. However, the rural finance in our country is faced with the shortage of commercial finance supporting agriculture, the attribute of rural credit cooperatives, the weakening of the function of rural policy-oriented finance, the failure of rural financial market, and so on. Although the third Plenary session of the 17th CPC Central Committee, "the decision of the CPC Central Committee on several major issues concerning the promotion of rural reform and development", determined to speed up the establishment of commercial finance and cooperative finance, The rural financial system combined with policy finance is a major strategic decision, but the degree of rural financial exclusion is still relatively large in China. 54.8% of the 31 provinces (districts and municipalities) have suffered from severe financial exclusion, and the regional gap in rural financial development has widened. This will seriously affect the realization of the goal of establishing and perfecting the rural financial system which adapts to the characteristics of agriculture, rural areas and farmers. Therefore, investigating the difference of rural financial development and its influencing factors can provide some ideas for the formulation of rural financial policy. At present, there are many researches on the measurement of rural financial differences, mainly qualitative description, single index analysis, and the traditional statistical model is used to study the impact of rural economy on finance in the research of influencing factors of rural financial differences. Less consideration of rural geographical location, natural conditions, cultural and technological factors. In view of this, this paper attempts to establish an index system of comprehensive development of rural finance from four aspects: total amount of finance, financial structure, financial efficiency and financial support environment. From the point of view of financial geography, this paper applies fuzzy curve method to the empirical analysis of various financial geographical factors (geographical environment, science and technology, culture, infrastructure, labor force, economy, level of opening to the outside world, degree of agglomeration). To investigate the contribution of various financial geographical factors to the comprehensive development of rural finance. The results show that there are obvious differences in the level of comprehensive development of rural finance in China, and the degree of inter-provincial differences is greater than that of inter-regional differences after 2005, and the cluster division of inter-provincial differences in rural financial development is different from that of the eastern, western and western economic regions. Among the financial geographical factors, the influence degree of facility factor is the biggest, and that of science and technology, culture, geographical environment and economy is the second, and that of openness, labor and aggregation is small. Finally, the paper holds that reducing the differences in the development of rural financial regions should not only depend on the development of rural economy and financial support, but also integrate all kinds of financial geographical factors, especially the construction of rural infrastructure. The effect of science and technology and culture on the development of rural finance is significant, and the endogenous development ability of rural finance is improved.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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