本文選題：農(nóng)村金融市場效率 + 新型農(nóng)村金融機(jī)構(gòu)��； 參考：《西北農(nóng)林科技大學(xué)》2013年碩士論文

【摘要】：2006年銀監(jiān)會調(diào)整放寬農(nóng)村地區(qū)銀行業(yè)金融機(jī)構(gòu)市場準(zhǔn)入條件以來，經(jīng)過6年的探索實(shí)踐，村鎮(zhèn)銀行、小額貸款公司、資金互助社等新型農(nóng)村金融機(jī)構(gòu)得到快速發(fā)展，其中，中西部地區(qū)的新型農(nóng)村金融機(jī)構(gòu)數(shù)量占到了全國的60%。新型農(nóng)村金融機(jī)構(gòu)的設(shè)立，進(jìn)一步釋放了西部地區(qū)民間資本的活力，對構(gòu)建多主體、競爭充分、產(chǎn)權(quán)多元的農(nóng)村金融體系起到了積極的推動作用。西部農(nóng)村金融市場開放后，農(nóng)村金融市場整體資金供給能力有所提高，但仍較薄弱，需要進(jìn)一步提高開放度和市場效率，進(jìn)一步完善農(nóng)村金融資源配置功能，進(jìn)而促進(jìn)全國農(nóng)村金融市場的均衡發(fā)展。 處于欠發(fā)達(dá)地區(qū)的陜西、寧夏，是新型農(nóng)村金融機(jī)構(gòu)較早引入的省份，陜西、寧夏的農(nóng)村金融市場正處于由傳統(tǒng)的農(nóng)村金融格局到加速市場化的過渡時期，以陜西、寧夏兩�。▍^(qū)）新型農(nóng)村金融機(jī)構(gòu)引入縣的金融市場效率為研究對象，對市場準(zhǔn)入政策的制定和執(zhí)行、農(nóng)村金融市場開放的繼續(xù)推進(jìn)、金融機(jī)構(gòu)改革政策的制定和實(shí)施以及農(nóng)村金融市場效率提升具有重大的實(shí)踐意義和理論意義。 基于上述研究背景和現(xiàn)實(shí)情況，本文以陜西、寧夏新型農(nóng)村金融機(jī)構(gòu)引入縣的農(nóng)村金融市場效率為研究對象，運(yùn)用金融學(xué)、微觀經(jīng)濟(jì)學(xué)、金融功能論等相關(guān)知識背景和研究視野，構(gòu)建涵蓋微觀供給、需求指標(biāo)和宏觀效率指標(biāo)的評價體系，運(yùn)用案例分析、DEA模型、Slogit模型、Logit模型、Wurgler資本配置效率模型等分析方法多角度評價西部地區(qū)農(nóng)村金融市場效率，并在此基礎(chǔ)上，提出提升西部地區(qū)農(nóng)村金融市場效率的政策與建議。 按照這一邏輯關(guān)系，論文研究內(nèi)容如下： 第一章，導(dǎo)論。主要介紹了論文的選題背景、研究目的與意義、研究思路和技術(shù)路線、國內(nèi)外研究現(xiàn)狀以及論文可能的創(chuàng)新之處。 第二章，農(nóng)村金融市場效率基礎(chǔ)理論。主要分析了農(nóng)村金融市場效率的內(nèi)涵，介紹了農(nóng)村金融市場的宏觀效率和微觀效率，分析了農(nóng)村金融市場與農(nóng)村經(jīng)濟(jì)的關(guān)系，并對西部地區(qū)農(nóng)村金融市場效率的概念進(jìn)行了界定。 第三章，西部農(nóng)村金融市場供給運(yùn)行效率分析。主要分析了西部地區(qū)農(nóng)村金融市場供給效率，首先介紹了西部農(nóng)村金融市場的三類供給主體，接著從新增供給主體的角度，分析了新型農(nóng)村金融機(jī)構(gòu)的發(fā)展現(xiàn)狀并介紹了西部地區(qū)典型新增農(nóng)村金融機(jī)構(gòu)。最后運(yùn)用DEA模型對陜西、寧夏部分新型農(nóng)村金融機(jī)構(gòu)自身的運(yùn)行效率進(jìn)行了分析。研究認(rèn)為，規(guī)模報酬不足是造成一些新增農(nóng)村金融機(jī)構(gòu)效率低下的主要原因。 第四章，西部農(nóng)戶對農(nóng)村金融機(jī)構(gòu)貸款意愿影響因素及差異性分析。研究反映農(nóng)村金融市場微觀服務(wù)效率的重要指標(biāo)——農(nóng)戶對農(nóng)村金融機(jī)構(gòu)的信貸需求及影響因素，主要運(yùn)用Slogit和Logit模型研究了農(nóng)戶在新的融資選擇集合內(nèi)的信貸行為、貸款意愿和信貸約束情況，并進(jìn)行了不同收入水平和兼業(yè)類型農(nóng)戶的差異性研究。研究結(jié)果表明，新型農(nóng)村金融機(jī)構(gòu)引入?yún)^(qū)的中低收入農(nóng)戶的信貸行為依然處于保守狀態(tài)，融資偏好具有粘性，而高收入農(nóng)戶和非農(nóng)、兼農(nóng)戶是信貸機(jī)構(gòu)的主動選擇者，據(jù)此提出制定多層次的信貸產(chǎn)品和政策等建議。 第五章，西部地區(qū)農(nóng)村金融市場效率綜合評價。從農(nóng)村金融市場效率的宏觀內(nèi)涵出發(fā)，分析西部地區(qū)新型農(nóng)村金融機(jī)構(gòu)引入縣的資本配置效率和農(nóng)村金融市場對縣域經(jīng)濟(jì)的宏觀服務(wù)效率。運(yùn)用Wurgler資本配置效率模型測度了西部地區(qū)9個縣的資本配置效率和既有稟賦效率，得出模型顯著的5個縣的農(nóng)村資本配置效率均有效。運(yùn)用DEA模型分析了西部5個縣2012年、2011年的農(nóng)村金融服務(wù)效率，得出部分縣的農(nóng)村金融服務(wù)效率非DEA有效，，主要原因是資本投入有冗余和管理水平存在效率缺失。 第六章，提升西部地區(qū)農(nóng)村金融市場效率的政策建議。針對微觀供給、需求的實(shí)證分析以及宏觀效率的衡量，從滿足農(nóng)戶信貸需求、提高金融機(jī)構(gòu)自身運(yùn)行效率和提升農(nóng)村金融市場整體功能三個方面提出了提升農(nóng)村金融市場效率的政策建議。
[Abstract]:Since the CBRC adjusts and relaxes the market access conditions of banking financial institutions in rural areas in 2006, after 6 years of exploration and practice, new rural financial institutions, such as village banks, small loan companies and mutual funds, have developed rapidly. Among them, the number of new rural financial institutions in the central and Western regions accounts for the 60%. new rural gold in the country. The establishment of the financial institutions has further released the vitality of the folk capital in the western region, and has played an active role in the construction of the rural financial system of multi-agent, full competition and multiple property rights. After the opening of the western rural financial market, the overall fund supply capacity of the rural financial market has been improved, but it is still relatively weak and needs to be further improved. We should further improve the allocation function of rural financial resources and further promote the balanced development of the rural financial market in China.
Shaanxi and Ningxia, which are in underdeveloped areas, are provinces introduced earlier by new rural financial institutions. The rural financial market in Shaanxi and Ningxia is in the transition period from the traditional rural financial structure to the accelerated market. The financial market efficiency of the new rural financial institutions in Shaanxi and Ningxia two provinces (districts) is the research object, and the city of the city is the research object. The formulation and implementation of the field access policy, the continuing promotion of the opening of the rural financial market, the formulation and implementation of the reform policy of the financial institutions and the improvement of the efficiency of the rural financial market have great practical and theoretical significance.
Based on the above research background and reality, this paper takes the rural financial market efficiency of the new rural financial institutions of Shaanxi and Ningxia as the research object, and uses the related knowledge background and research field of finance, microeconomics and financial function theory to construct the evaluation system covering micro supply, demand index and macro efficiency index. By case analysis, DEA model, Slogit model, Logit model, Wurgler capital allocation efficiency model and other analytical methods, the efficiency of rural financial market in the western region is evaluated in many angles. On this basis, the policies and suggestions to improve the efficiency of the rural financial market in the western region are put forward.
According to this logical relationship, the research contents are as follows:
The first chapter, introduction, mainly introduces the background of the thesis, the purpose and significance of the research, the research ideas and technical route, the current research status at home and abroad, and the possible innovation of the paper.
The second chapter, the basic theory of efficiency of rural financial market, mainly analyzes the connotation of the efficiency of rural financial market, introduces the macro efficiency and micro efficiency of the rural financial market, analyzes the relationship between the rural financial market and the rural economy, and defines the concept of the efficiency of the rural financial market in the western region.
The third chapter analyzes the supply efficiency of the rural financial market in Western China. It mainly analyzes the supply efficiency of the rural financial market in the western region. First, it introduces the three types of supply subjects in the western rural financial market, then analyzes the development status of the new rural financial machinery and introduces the typical new addition of the western region from the perspective of the new supply main body. In the end, the DEA model is used to analyze the operation efficiency of some new rural financial institutions in Shaanxi and Ningxia. The research holds that the lack of scale compensation is the main reason for the low efficiency of some new rural financial institutions.
The fourth chapter, the influence factors and differences analysis on the loan intention of rural financial institutions in the western countries. The paper studies the credit demand and influencing factors of rural financial institutions, which reflect the micro service efficiency of rural financial markets, and mainly uses the Slogit and Logit models to study the credit of the farmers in the new financing choice set. The research results show that the credit behavior of the middle and low income farmers in the new rural financial institutions is still in the conservative state, the financing preference is sticky, and the high income farmers and non-agricultural, and the farmers are credit machines. The active selector of the structure proposes to formulate multi-level credit products and policies.
The fifth chapter, the comprehensive evaluation of the efficiency of the rural financial market in the western region. Starting from the macro connotation of the efficiency of the rural financial market, this paper analyzes the capital allocation efficiency of the new rural financial institutions introduced into the county and the macro service efficiency of the rural financial market to the county economy in the western region. The Wurgler capital allocation efficiency model is used to measure the 9 of the western region. The efficiency of capital allocation and natural endowment in the 5 counties of the county are effective. The efficiency of rural capital allocation in 5 counties of the model is effective. The rural financial service efficiency of the 5 counties in the West in 2012 and 2011 is analyzed by using the model. The efficiency of rural financial service in some counties is not DEA effective, the main reason is that the capital investment has redundancy and management water. Lack of efficiency in flat existence.
The sixth chapter, the policy proposals to improve the efficiency of the rural financial market in the western region. In view of the micro supply, the empirical analysis of the demand and the measurement of the macro efficiency, the policy of improving the efficiency of the rural financial market is put forward from three aspects: meeting the demand of farmers' credit, improving the operation efficiency of the financial institutions and improving the overall function of the rural financial market. Suggestion.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.7

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