本文選題：農村金融 + 農村經濟發(fā)展��； 參考：《安徽農業(yè)大學》2012年碩士論文

【摘要】：自2004年以來，我國政府連續(xù)九年中央一號文件以三農問題為主題，著力發(fā)展農村經濟，這期間農村金融也得到了較大的發(fā)展，對農村經濟發(fā)展的貢獻作用也逐漸得以顯現(xiàn)。然而，農村金融市場隨著市場經濟的發(fā)展出現(xiàn)了一些問題，如大量銀行從鄉(xiāng)鎮(zhèn)農村撤離、大量農用資金外流到非農部門等，導致農村金融發(fā)展支持農村經濟發(fā)展的效果并不明顯。本文通過對安徽省農村金融發(fā)展的現(xiàn)狀利用PEST-SWOT方法進行了分析后，選擇1996-2010年數據，對安徽省農村金融支持農村經濟發(fā)展進行了實證分析，應用安徽省農村GDP為經濟增長測量指標，應用農村金融規(guī)模、結構、效率三個變量為衡量農村金融發(fā)展的指標，建立線性相關模型進行了實證研究，得出的結論如下：第一，安徽省農村金融對安徽省的農村經濟發(fā)展的貢獻作用不顯著，安徽省農村GDP的發(fā)展可以促進安徽省農村金融總量規(guī)模的正向發(fā)展。第二，安徽省農村GDP每增加一個單位可以促進安徽農村金融總量規(guī)模上漲e1.099個單位。同時也會促進安徽省農村金融的效率提升e0.355個單位。第三，安徽省農村金融的結構調整發(fā)展對農村GDP的貢獻之間存在負的線性關系，但是不存在因果關系。 本文對安徽省農村金融發(fā)展的問題進行分析后發(fā)現(xiàn)目前安徽農村金融發(fā)展存在以下問題：安徽省農村金融結構體系存在嚴重問題;安徽省農村金融發(fā)展嚴重滯后；安徽省農村金融發(fā)展對農村經濟發(fā)展的推動作用不顯著；安徽省農村金融效率提升不明顯。安徽省農村金融發(fā)展的問題成因，本文利用金融發(fā)展理論、經濟增長理論以及市場經濟理論進行了分析，發(fā)現(xiàn)有以下方面問題：農村金融市場比較收益低導致農村金融結構調整緩慢；安徽省農村金融供給不足其對農村經濟的推動作用不顯著；城鄉(xiāng)二元結構造成農村金融發(fā)展嚴重滯后；安徽農村金融市場競爭秩序不完善導致低效率。 對安徽省農村金融支持農村經濟發(fā)展的對策建議方面，本文從PEST入手進行了對策建議的提出：政治法律方面，應當完善正規(guī)金融部門和非正規(guī)金融部門的法律法規(guī)、加強安徽省農村金融基礎設施建設、立法防止資金外流。經濟市場方面，本文建議建立起正規(guī)金融機構與非正規(guī)金融機構配合發(fā)展、正規(guī)金融機構聚集度不斷降低的金融組織體系。社會文化方面，本文建議以村委和鄉(xiāng)鎮(zhèn)等基層政府為引導，提高農戶加強參與意識；增強信用社等金融機構的發(fā)展意識，培養(yǎng)服務三農的企業(yè)文化等。在技術創(chuàng)新方面，，本文建議加強金融創(chuàng)新，創(chuàng)造多種類、多類別的金融產品和服務；引入先進風險管理手段來控制農村信貸風險；創(chuàng)新金融服務的形式。
[Abstract]:Since 2004, the first document of the Central Committee of our country has focused on the development of rural economy with the theme of "three rural issues" for nine consecutive years. During this period, rural finance has also been greatly developed, and its contribution to the development of rural economy has gradually become apparent. However, with the development of the market economy, some problems have arisen in the rural financial market, such as the withdrawal of a large number of banks from the villages and towns, the outflow of a large amount of agricultural funds to the non-agricultural sector, and so on. The result of rural financial development supporting rural economic development is not obvious. Based on the analysis of the present situation of rural finance development in Anhui Province by using PEST-SWOT method, this paper chooses the data from 1996 to 2010 to make an empirical analysis on the rural financial support of rural economic development in Anhui Province. Using Anhui Province's rural GDP as the measure of economic growth, using the three variables of rural financial scale, structure and efficiency as indicators to measure the development of rural finance, this paper establishes a linear correlation model for empirical research. The conclusions are as follows: first, The contribution of rural finance to the rural economic development of Anhui Province is not significant. The development of rural GDP in Anhui Province can promote the positive development of the total scale of rural finance in Anhui Province. Second, the increase of one unit of rural GDP in Anhui Province can promote the total scale of rural finance in Anhui province to increase by e1.099 units. At the same time, it will also promote the efficiency of rural finance in Anhui Province, e 0.355 units. Thirdly, there is a negative linear relationship between the structural adjustment and development of rural finance in Anhui province to rural GDP, but there is no causal relationship. This paper analyzes the problems in the development of rural finance in Anhui Province and finds that there are some problems in the development of rural finance in Anhui Province: the serious problems in the rural financial structure system of Anhui Province, the serious lag in the development of rural finance in Anhui Province; The development of rural finance in Anhui Province has no significant effect on the development of rural economy, and the efficiency of rural finance in Anhui Province is not obvious. Based on the theory of financial development, the theory of economic growth and the theory of market economy, this paper analyzes the causes of the problems in the development of rural finance in Anhui Province. The following problems are found: low comparative income of rural financial market leads to slow adjustment of rural financial structure, insufficient supply of rural finance in Anhui province has no significant role in promoting rural economy; The dual structure of urban and rural areas causes the development of rural finance to lag seriously, and the imperfect competition order of Anhui rural financial market leads to low efficiency. With regard to the countermeasures and suggestions of rural finance supporting rural economic development in Anhui Province, this paper puts forward the following suggestions from pest: in the political and legal aspects, we should perfect the laws and regulations of the formal and informal financial sectors. Strengthen the construction of rural financial infrastructure in Anhui Province, legislation to prevent the outflow of funds. In the aspect of economic market, this paper suggests the establishment of a financial organization system in which formal financial institutions and informal financial institutions cooperate with each other, and the degree of aggregation of formal financial institutions is decreasing. In the aspect of social culture, this paper suggests taking the village committee and the township government as the guide, enhancing the farmers' consciousness of participation, strengthening the development consciousness of the financial institutions such as the credit cooperatives, and cultivating the enterprise culture serving the agriculture, rural areas and farmers. In terms of technological innovation, this paper proposes to strengthen financial innovation, to create various kinds of financial products and services, to introduce advanced risk management measures to control rural credit risks, and to innovate the forms of financial services.
【學位授予單位】：安徽農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F327;F832.7

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