本文關(guān)鍵詞：我國(guó)農(nóng)村金融服務(wù)水平的測(cè)度及其影響因素分析　出處：《哈爾濱商業(yè)大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村金融 金融服務(wù)水平 主成分分析法 面板數(shù)據(jù)模型

【摘要】：最近幾年,隨著農(nóng)村經(jīng)濟(jì)的迅速發(fā)展,農(nóng)村金融也受到了高度的重視,主要是因?yàn)樵谵r(nóng)村經(jīng)濟(jì)的發(fā)展中,農(nóng)村金融起到較大的作用。中國(guó)非常重視農(nóng)業(yè)的發(fā)展,農(nóng)業(yè)、農(nóng)村和農(nóng)民問(wèn)題是國(guó)家發(fā)展的重中之重。從2004年至今,我國(guó)每年都會(huì)出臺(tái)“一號(hào)文件”,這12個(gè)“一號(hào)文件”都十分重視“三農(nóng)”問(wèn)題,充分體現(xiàn)了農(nóng)村經(jīng)濟(jì)的發(fā)展在整個(gè)國(guó)家經(jīng)濟(jì)發(fā)展中的重要性,以及需要加快解決“三農(nóng)”問(wèn)題的迫切性。農(nóng)村金融可以推動(dòng)農(nóng)村經(jīng)濟(jì)發(fā)展,是發(fā)展農(nóng)村經(jīng)濟(jì)的核心問(wèn)題,是大力改善“三農(nóng)”問(wèn)題的關(guān)鍵所在。然而現(xiàn)階段中國(guó)的農(nóng)村金融服務(wù)水平存在諸多問(wèn)題,因此提高農(nóng)村金融服務(wù)的水平已經(jīng)成為了農(nóng)村金融發(fā)展的首要任務(wù)。農(nóng)村金融服務(wù)水平關(guān)系到農(nóng)村經(jīng)濟(jì)的發(fā)展程度以及金融服務(wù)的普及程度,提高農(nóng)村金融服務(wù)水平可以促進(jìn)農(nóng)村金融的發(fā)展從而惠及更多的農(nóng)村居民。以此,對(duì)農(nóng)村金融服務(wù)水平的研究既具有理論意義,又具有現(xiàn)實(shí)意義。 文章在對(duì)二元經(jīng)濟(jì)理論、農(nóng)村金融發(fā)展理論、農(nóng)村金融市場(chǎng)理論分析基礎(chǔ)上,分析總結(jié)出農(nóng)村金融服務(wù)水平的內(nèi)涵。根據(jù)金融發(fā)展的新進(jìn)展為理論指導(dǎo),構(gòu)建了農(nóng)村金融服務(wù)水平的評(píng)價(jià)評(píng)分體系,并對(duì)不同地區(qū)的農(nóng)村金融服務(wù)水平進(jìn)行了測(cè)度評(píng)分,根據(jù)評(píng)分結(jié)果得到各省市的農(nóng)村金融服務(wù)水平存在著較大的差異。構(gòu)建了面板數(shù)據(jù)模型,選取了相關(guān)的影響因素,通過(guò)分析2003-2012年十年間的數(shù)據(jù)測(cè)算出農(nóng)村金融服務(wù)水平的影響因素與其之間的相關(guān)關(guān)系,并找出不同地區(qū)間金融服務(wù)水平存在差異的原因。對(duì)這些原因進(jìn)行細(xì)致地分析研究,根據(jù)實(shí)證研究結(jié)果從改善制度環(huán)境、完善金融機(jī)構(gòu)的服務(wù)水平和加強(qiáng)對(duì)農(nóng)戶(hù)金融知識(shí)的普及等方面,提出切實(shí)可行的對(duì)策建議來(lái)解決農(nóng)村金融服務(wù)中存在的具體問(wèn)題,進(jìn)而完善服務(wù)項(xiàng)目、改善服務(wù)體制、提高服務(wù)水平以此促進(jìn)農(nóng)村金融的發(fā)展。文章中深入探究了農(nóng)村金融服務(wù)水平實(shí)際情況,將金融服務(wù)水平在農(nóng)村金融領(lǐng)域的應(yīng)用進(jìn)行了拓展,深化其理論研究。對(duì)中國(guó)農(nóng)村金融服務(wù)水平進(jìn)行了測(cè)度,分析其現(xiàn)狀并作出了實(shí)證研究,為制定農(nóng)村金融發(fā)展戰(zhàn)略提供理論指導(dǎo)和決策依據(jù)。
[Abstract]:In recent years, with the rapid development of rural economy, rural finance has also been highly valued, mainly because in the development of rural economy, rural finance plays a greater role. China attaches great importance to the development of agriculture. Agriculture, rural areas and farmers are the most important issues in the development of the country. Since 2004, China has issued the "No. 1 document" every year, and the 12 "No. 1 documents" attach great importance to the issue of "agriculture, rural areas and farmers". It fully reflects the importance of the development of rural economy in the economic development of the whole country, as well as the urgency of speeding up the solution to the problems of "agriculture, rural areas and farmers". Rural finance can promote the development of rural economy. It is the core problem of developing rural economy and the key to improve the problem of "agriculture, countryside and farmers". However, there are many problems in the level of rural financial service in China at present. Therefore, improving the level of rural financial services has become the primary task of rural financial development. The level of rural financial services is related to the development of rural economy and the popularity of financial services. Improving the level of rural financial services can promote the development of rural finance and benefit more rural residents. Thus, the research on the level of rural financial services is of both theoretical and practical significance. Based on the analysis of dualistic economic theory, rural financial development theory and rural financial market theory, this paper analyzes and summarizes the connotation of rural financial service level, which is guided by the new development of financial development. The evaluation and scoring system of rural financial service level is constructed, and the rural financial service level in different regions is measured and scored. According to the score results, the rural financial service level of provinces and cities are different. The panel data model is constructed, and the relevant factors are selected. By analyzing the data from 2003 to 2012, this paper calculates the relationship between the influencing factors of rural financial service level and the relationship between them. And find out the reasons for the differences in the level of financial services among different regions, and carry out a detailed analysis of these reasons, according to the results of empirical research to improve the institutional environment. Improve the service level of financial institutions and strengthen the popularization of farmers' financial knowledge, put forward practical countermeasures and suggestions to solve the specific problems in rural financial services, and then improve the service items. Improve the service system, improve the service level to promote the development of rural finance. The article deeply explore the actual situation of rural financial services, and expand the application of the level of financial services in the field of rural finance. In order to provide theoretical guidance and decision basis for rural financial development strategy, this paper measures the level of rural financial service in China, analyzes its current situation and makes an empirical study.
【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F832.35

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