本文選題：農(nóng)民收入　切入點：農(nóng)村金融　出處：《廣西大學》2012年碩士論文　論文類型：學位論文

【摘要】：在廣西全區(qū)范圍內(nèi)農(nóng)民收入增長緩慢,仍有部分農(nóng)民在貧困線左右徘徊,這對廣西的政治、經(jīng)濟、社會影響是全局性的,根據(jù)國內(nèi)外經(jīng)驗,農(nóng)村經(jīng)濟發(fā)達程度和金融市場的發(fā)展水平是密切相關(guān)的。在此背景下,可以發(fā)現(xiàn)研究廣西農(nóng)民收入增長的金融支撐體系機制研究是十分必要的。 首先本文利用金融相關(guān)理論,強調(diào)了金融在經(jīng)濟發(fā)展過程中所起的作用,利用金融深化理論和金融抑制理論來闡述農(nóng)民金融對于農(nóng)民收入增長的影響,彌補了以前對于農(nóng)民收入增長的動力支撐因素,這些因素不僅包括勞動,資本,土地等因素。 其次對廣西農(nóng)村居民收入現(xiàn)狀進行了分析,利用1980—2010年廣西統(tǒng)計數(shù)據(jù)來看,城鄉(xiāng)居民收入總體上呈現(xiàn)上升趨勢,農(nóng)村居民人均純收入的增長速度遠遠比不上城市增長速度,城鄉(xiāng)居民人均純收入之間的差距不斷擴大。同時對廣西金融市場的金融供給狀況給予分析,分別從正規(guī)金融和非正規(guī)金融兩個方面進行了概況介紹。 再次通過數(shù)據(jù)整理,把廣西農(nóng)村金融發(fā)展的衡量指標與廣西農(nóng)民收入之間的關(guān)系進行了數(shù)據(jù)實證研究。通過數(shù)據(jù)的整理和總結(jié),運用計量軟件進行回歸分析,以及單位根檢驗,協(xié)整檢驗和格蘭杰因果關(guān)系檢驗后,實證結(jié)果顯示農(nóng)村金融發(fā)展與農(nóng)民收入之間存在明顯的相關(guān)性。 最后,通過實證研究驗證了廣西農(nóng)村金融在發(fā)展過程中受到制約。農(nóng)村金融組織體系不完善,金融服務缺失問題；新型農(nóng)村金融機構(gòu)經(jīng)營規(guī)模小,抗風險能力不強；農(nóng)村貸款的擔保體系建設(shè)存在問題等,然后,針對廣西現(xiàn)狀提出農(nóng)村金融發(fā)展促進農(nóng)民收入增長的建議：進一步完善農(nóng)村金融組織體系,多層次解決鄉(xiāng)鎮(zhèn)村金融服務缺失問題；完善涉農(nóng)貸款風險補償和激勵機制；建立農(nóng)村資金回流機制；進一步優(yōu)化農(nóng)村金融生態(tài)環(huán)境；積極推動農(nóng)村金融產(chǎn)品和服務方式創(chuàng)新；正視對民間金融的合法地位；深化金融發(fā)展的外部環(huán)境等措施。
[Abstract]:In Guangxi, the growth of farmers' income is slow, and some farmers are still hovering around the poverty line. This has an overall political, economic and social impact on Guangxi. According to experience at home and abroad, The degree of rural economic development is closely related to the level of financial market development. Under this background, it is very necessary to study the mechanism of financial support system for the growth of farmers' income in Guangxi. First of all, this paper emphasizes the role of finance in the process of economic development by using the theory of finance, and expounds the impact of the financial system on the growth of farmers' income by using the theory of financial deepening and the theory of financial suppression. These factors not only include labor, capital, land and so on. Secondly, this paper analyzes the current situation of rural residents' income in Guangxi. According to the statistics of Guangxi from 1980 to 2010, the income of urban and rural residents is on the whole rising, and the growth rate of per capita net income of rural residents is far less than that of urban growth. The gap between the per capita net income of urban and rural residents is widening. At the same time, the financial supply of Guangxi financial market is analyzed, and the general situation of formal finance and informal finance is introduced respectively. Thirdly, through data collation, the relationship between the measurement index of Guangxi rural financial development and the income of farmers in Guangxi is studied empirically. Through the data collation and summary, the regression analysis is carried out by using the measurement software. After the unit root test, cointegration test and Granger causality test, the empirical results show that there is an obvious correlation between rural financial development and farmers' income. Finally, the paper proves that the rural finance of Guangxi is restricted in the process of development, the system of rural financial organization is not perfect, the financial service is lacking, the new rural financial institution is small in scale, and the ability to resist risks is not strong. There are some problems in the construction of guarantee system of rural loans, and then, in view of the present situation of Guangxi, some suggestions are put forward for the development of rural finance to promote the growth of farmers' income: to further improve the rural financial organization system and to solve the problem of lack of financial services in villages and towns at different levels; Improve the risk compensation and incentive mechanism for agricultural loans; establish a mechanism for the return of rural funds; further optimize the rural financial ecological environment; actively promote the innovation of rural financial products and services; face up to the legal status of private finance; Deepen the external environment for financial development and other measures.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F323.8;F832.7;F224

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