發(fā)布時間：2018-06-25 05:22

  本文選題：農(nóng)村金融包容 + 包容性增長　； 參考：《湖南大學(xué)》2012年碩士論文

【摘要】：隨著我國農(nóng)村金融體制改革的深入推進，我國農(nóng)村地區(qū)金融發(fā)展取得了長足的進步。截止2011年底，全國已有10個省份實現(xiàn)了鄉(xiāng)鎮(zhèn)金融服務(wù)機構(gòu)全覆蓋，30個省份實現(xiàn)了鄉(xiāng)鎮(zhèn)基礎(chǔ)金融服務(wù)全覆蓋；多種類型金融機構(gòu)分工明確、相互協(xié)作補充的農(nóng)村金融組織體系架構(gòu)已經(jīng)初步形成，農(nóng)村儲蓄服務(wù)基本得到滿足，多層次的信貸市場逐步形成。但我國農(nóng)村金融發(fā)展中存在的問題依然很突出，農(nóng)村地區(qū)金融機構(gòu)營業(yè)網(wǎng)點少且分布不平衡、儲蓄存款資金外流嚴重、農(nóng)民“貸款難”等問題長期存在，金融服務(wù)供給不足、供需求矛盾依然突出，金融對農(nóng)村經(jīng)濟發(fā)展的支撐作用趨于弱化。如何提升農(nóng)村金融包容程度，使農(nóng)村地區(qū)弱勢群體能平等地獲取金融服務(wù)，是我國農(nóng)村金融體系建設(shè)最主要的目標之一，也是貫穿包容性增長理念的關(guān)鍵環(huán)節(jié)。 基于包容性增長理論和金融寬度理論，本文首先從金融服務(wù)供給主體、需求主體、監(jiān)管主體的角度對我國農(nóng)村金融包容的內(nèi)涵和范圍進行了界定。在此基礎(chǔ)上，從農(nóng)村金融包容的前提、過程、結(jié)果三個維度構(gòu)建我國農(nóng)村金融包容程度的評價指標體系，并運用模糊綜合評價法，對我國2006年——2010年農(nóng)村金融包容狀況進行評價，結(jié)果顯示，當前我國農(nóng)村金融包容程度的數(shù)值為2.7839，處于一般包容的狀況。 進一步采取因子分析法對農(nóng)村金融包容的省域差異進行分析，，可以看出，我國農(nóng)村金融包容呈現(xiàn)出典型金字塔狀，程度相對較高的省份基本上處于東部沿海地區(qū)，廣大中西部省份農(nóng)村地區(qū)金融包容程度仍然較低。從農(nóng)村金融包容程度對農(nóng)民收入的影響來看，兩者存在正向關(guān)關(guān)系，表明提升農(nóng)村金融程度也是促進農(nóng)民增收的重要渠道。 最后，本文認為，要提升我國農(nóng)村金融包容程度，關(guān)鍵是要解決好金融機構(gòu)參與農(nóng)村金融市場的積極性、可持續(xù)性問題。對政府而言，應(yīng)充分發(fā)揮引導(dǎo)者和監(jiān)管者的角色，為提升農(nóng)村金融包容水平提供良好的生態(tài)環(huán)境和政策環(huán)境。
[Abstract]:With the deepening reform of rural financial system in China, great progress has been made in the development of rural finance in China. By the end of 2011, 10 provinces in China had achieved full coverage of township financial services institutions, 30 provinces had achieved full coverage of township basic financial services, and many types of financial institutions had a clear division of labor. The system of rural financial organization, which is complementary to each other, has been initially formed, rural savings services have been basically satisfied, and a multi-level credit market has been gradually formed. However, the problems in the development of rural finance in our country are still very prominent. The financial institutions in rural areas have few business outlets and uneven distribution, the outflow of savings deposit funds is serious, the farmers'"loan is difficult" and so on for a long time, the supply of financial services is insufficient. The contradiction between supply and demand is still prominent, and the supporting role of finance on rural economic development tends to weaken. How to improve the rural financial inclusion and enable the vulnerable groups in rural areas to obtain financial services equitably is one of the most important objectives of the construction of rural financial system and the key link of the concept of inclusive growth. Based on inclusive growth theory and financial width theory, this paper firstly defines the connotation and scope of rural financial inclusion in China from the perspective of the main body of financial service supply, the main body of demand and the subject of supervision. On this basis, from the premise of rural financial inclusion, process, results of the three dimensions of rural financial inclusion in China's evaluation index system, and the use of fuzzy comprehensive evaluation method, This paper evaluates the situation of rural financial inclusion in China from 2006 to 2010. The results show that the current value of rural financial inclusion in China is 2.7839, which is in a general situation. Further using factor analysis to analyze the provincial differences of rural financial inclusion, we can see that the rural financial inclusion in China presents a typical pyramid, the relatively high degree of provinces are basically in the eastern coastal areas. The degree of financial inclusion in rural areas of central and western provinces is still relatively low. From the perspective of the influence of the degree of rural financial inclusion on farmers' income, there is a positive relationship between the two, which indicates that improving the rural financial level is also an important channel to promote the increase of farmers' income. Finally, this paper holds that the key to improve the rural financial inclusion is to solve the problem of the enthusiasm and sustainability of financial institutions participating in the rural financial market. To the government, we should give full play to the role of leaders and regulators, and provide a good ecological environment and policy environment for improving the level of rural financial inclusion.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.7

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