本文選題：農(nóng)村金融服務(wù) + 評(píng)價(jià)指標(biāo)�。� 參考：《華中農(nóng)業(yè)大學(xué)》2012年碩士論文

【摘要】：提升農(nóng)村金融服務(wù)水平、實(shí)現(xiàn)農(nóng)村金融全覆蓋是我國(guó)農(nóng)村金融改革的重要目標(biāo)。近年來(lái)國(guó)內(nèi)外學(xué)者圍繞發(fā)展中國(guó)家農(nóng)村金融服務(wù)進(jìn)行了若干宏觀層面的研究,初步探索了金融服務(wù)水平的測(cè)算方法及其影響因素,對(duì)一國(guó)宏觀金融政策的干預(yù)有一定的借鑒意義。但已有研究在如何科學(xué)測(cè)度金融服務(wù)的水平上,尚缺乏較為統(tǒng)一完善的測(cè)度方法,使得研究難以有效深入,也無(wú)法提出操作性和針對(duì)性的政策建議。 本文以金融發(fā)展理論的新進(jìn)展為理論指導(dǎo),構(gòu)建了農(nóng)村金融服務(wù)水平測(cè)算的指標(biāo)體系,并運(yùn)用該指標(biāo)對(duì)湖北省64個(gè)縣(市)進(jìn)行了實(shí)際測(cè)評(píng),分析了影響湖北農(nóng)村金融服務(wù)水平高低的因素。研究的核心內(nèi)容與結(jié)論如下： 構(gòu)建金融服務(wù)水平評(píng)價(jià)指標(biāo)體系。本文第2章對(duì)國(guó)內(nèi)外金融服務(wù)水平的測(cè)度指標(biāo)與方法進(jìn)行了總結(jié)歸納,借鑒IFI指數(shù),提出了農(nóng)村金融服務(wù)水平測(cè)度指標(biāo)(LRFS),并確立了4個(gè)維度。與其他評(píng)價(jià)指標(biāo)相比,該指數(shù)包括的服務(wù)維度更全面,且更具可操作性。 對(duì)湖北農(nóng)村金融服務(wù)的水平進(jìn)行了實(shí)際測(cè)評(píng)。該部分內(nèi)容見本文第3章。為獲取湖北農(nóng)村金融服務(wù)的總體概況,該部分首先對(duì)湖北整體金融服務(wù)機(jī)構(gòu)網(wǎng)點(diǎn)以及貸款情況進(jìn)行了簡(jiǎn)要分析,并根據(jù)第2章確定的維度與計(jì)算方法,對(duì)湖北64個(gè)縣(市)2006-2010年的農(nóng)村金融服務(wù)水平進(jìn)行了實(shí)際測(cè)評(píng),結(jié)果顯示：從橫向看,湖北農(nóng)村金融整體服務(wù)水平較低,2010年僅有恩施市處于較高水平；從縱向看,從2006-2010這5年間,各地農(nóng)村金融服務(wù)水平未有明顯提高；此外,不同縣(市)之間農(nóng)村金融服務(wù)水平存在較大差距。 分析了影響湖北省農(nóng)村金融服務(wù)水平高低的因素。本文第4章在對(duì)國(guó)內(nèi)外金融服務(wù)水平影響因素的相關(guān)研究成果的基礎(chǔ)上,提出了相關(guān)假說(shuō),并運(yùn)用面板數(shù)據(jù)模型對(duì)湖北64個(gè)縣(市)進(jìn)行了實(shí)證檢驗(yàn)。研究結(jié)果表明：地區(qū)經(jīng)濟(jì)發(fā)展水平、就業(yè)水平、醫(yī)療保障水平、信息化水平以及城鎮(zhèn)化率對(duì)農(nóng)村金融服務(wù)水平有顯著的正向影響。以上結(jié)論暗含的政策含義是：要提升湖北農(nóng)村金融服務(wù)水平,必須加強(qiáng)農(nóng)村金融基礎(chǔ)設(shè)施建設(shè)、進(jìn)一步增強(qiáng)信貸服務(wù)、降低服務(wù)成本以及普及農(nóng)村金融服務(wù)新技術(shù)等等。
[Abstract]:To improve the level of rural financial services and achieve full coverage of rural finance is an important goal of rural financial reform in China. In recent years, scholars at home and abroad have carried out a number of macro-level studies around rural financial services in developing countries, and preliminarily explored the measuring methods and influencing factors of the level of financial services. The intervention to a country's macro financial policy has certain reference significance. However, the research on how to measure the level of financial services scientifically is still lack of a unified and perfect measurement method, which makes it difficult for the study to be effective and in-depth, and also unable to put forward operational and targeted policy recommendations. Under the guidance of the new development of financial development theory, this paper constructs an index system for the measurement of rural financial service level, and evaluates the 64 counties (cities) in Hubei Province by using this index. The factors influencing the level of rural financial services in Hubei are analyzed. The core contents and conclusions of the study are as follows: construct the evaluation index system of financial service level. In the second chapter, the measurement index and method of the financial service level at home and abroad are summarized, and the LRFS (Rural Financial Service level Measurement Index) is put forward by using the IFI index as reference, and four dimensions are established. Compared with other evaluation indicators, the index includes more comprehensive service dimensions and more maneuverability. The level of rural financial services in Hubei Province has been assessed. See Chapter 3 of this article. In order to obtain the general situation of Hubei rural financial service, this part firstly briefly analyzes the network of the whole Hubei financial service institution and the situation of the loan, and according to the dimension and calculation method determined in Chapter 2, The actual level of rural financial services in 64 counties (cities) of Hubei Province from 2006 to 2010 is evaluated. The results show that the overall level of rural financial services in Hubei Province is relatively low in horizontal terms, and only Enshi City is at a relatively high level in 2010; from a vertical point of view, from the five years of 2006-2010, the overall level of rural financial services in Hubei Province is relatively low. The level of rural financial services has not been significantly improved, in addition, there is a large gap between different counties (cities) in rural financial services. The factors influencing the level of rural financial services in Hubei Province are analyzed. In chapter 4, based on the related research results of the factors influencing the level of financial services at home and abroad, the relevant hypothesis is put forward, and the empirical test of 64 counties (cities) in Hubei is carried out by using the panel data model. The results show that the level of regional economic development, employment level, medical security level, information level and urbanization rate have a significant positive impact on the level of rural financial services. The policy implication of the above conclusions is that in order to improve the level of rural financial services in Hubei, it is necessary to strengthen the construction of rural financial infrastructure, further strengthen credit services, reduce service costs and popularize new rural financial services technologies and so on.
【學(xué)位授予單位】：華中農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35;F224

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本文編號(hào)：2059986