【摘要】：在國家減困道路上，農(nóng)村金融發(fā)展一直扮演著重要角色。然而，農(nóng)村金融發(fā)展究竟通過什么方式或渠道減困、減困效果如何？本文正是從這兩個基本問題出發(fā)，旨在剖析農(nóng)村金融發(fā)展作用于貧困減少的內(nèi)在機(jī)理、探討農(nóng)村金融發(fā)展與貧困減少之間的相關(guān)性。 在總結(jié)前人的研究成果的基礎(chǔ)上，本文對農(nóng)村金融發(fā)展減困的內(nèi)在機(jī)理進(jìn)行了分析，認(rèn)為農(nóng)村金融發(fā)展通過提供信貸服務(wù)，能夠影響貧困人口的投資意愿，進(jìn)而影響貧困人口的項目收益，而農(nóng)村金融提供的儲蓄服務(wù)對于平滑農(nóng)戶的消費起著至關(guān)重要的作用，為貧困人口抵御經(jīng)濟(jì)生活中的風(fēng)險提供了一條可供選擇的思路，同時，儲蓄服務(wù)也對農(nóng)村投資具有重要的促進(jìn)作用。農(nóng)村金融發(fā)展也能促進(jìn)經(jīng)濟(jì)發(fā)展和收入分配影響貧困人口的收入水平、生產(chǎn)生活成本、收入結(jié)構(gòu)，幫助貧困人口改善其生產(chǎn)生活環(huán)境，拓寬其收入渠道，間接影響貧困。 然后在農(nóng)村金融發(fā)展減困的內(nèi)在機(jī)理的基礎(chǔ)上，結(jié)合我國農(nóng)村金融發(fā)展減困的實際情況，本文選取農(nóng)村金融發(fā)展指標(biāo)和農(nóng)村貧困指標(biāo)分別檢驗了農(nóng)村金融發(fā)展減困的效果和減困渠道通暢情況。研究發(fā)現(xiàn)，農(nóng)村金融發(fā)展的不同指標(biāo)對減困的效果不一樣，農(nóng)村金融發(fā)展對各減困渠道的影響也不一樣，，這與我們所觀察到農(nóng)村實際情況相符合。最后根據(jù)前文的研究給出政策建議，提出構(gòu)建與貧困人口需求特征相匹配的農(nóng)村金融體系才能促進(jìn)農(nóng)村金融發(fā)展減困。
[Abstract]:Rural financial development has been playing an important role in the national poverty reduction road. However, the rural financial development through what way or channel to reduce hardship, what are the effects of poverty reduction? Based on these two basic problems, this paper aims to analyze the internal mechanism of rural financial development in poverty reduction, and to explore the correlation between rural financial development and poverty reduction. On the basis of summarizing previous research results, this paper analyzes the internal mechanism of poverty reduction in rural financial development, and thinks that rural financial development can affect the will of poor people to invest through the provision of credit services. The savings services provided by the rural finance play a vital role in smoothing the consumption of farmers, and provide an alternative way for the poor to resist the risks of economic life, at the same time, the savings services provided by the rural finance play a vital role in smoothing the consumption of farmers, providing an alternative way for the poor to resist the risks of economic life. Savings services also play an important role in promoting rural investment. Rural financial development can also promote economic development and income distribution to affect the income level of the poor, production and living costs, income structure, to help the poor people to improve their production and living environment, broaden their income channels, and indirectly affect poverty. Then on the basis of the inherent mechanism of poverty reduction in rural financial development, and in the light of the actual situation of poverty reduction in rural financial development in China, In this paper, the rural financial development indicators and rural poverty indicators are selected to test the effect of rural financial development and the smooth channel of poverty reduction. It is found that the effects of different indicators of rural financial development on poverty reduction are not the same, and the impact of rural financial development on various channels of poverty relief is not the same, which is consistent with the actual situation we have observed in rural areas. Finally, according to the above research, policy recommendations are given, and it is pointed out that the construction of rural financial system matching the characteristics of the needs of the poor population can promote the development of rural finance to reduce poverty.
【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;F323.8

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 姚耀軍;金融發(fā)展與城鄉(xiāng)收入差距關(guān)系的經(jīng)驗分析[J];財經(jīng)研究;2005年02期

2 陳銀娥;師文明;;中國農(nóng)村金融發(fā)展與貧困減少的經(jīng)驗研究[J];中國地質(zhì)大學(xué)學(xué)報(社會科學(xué)版);2010年06期

3 張立軍;湛泳;;金融發(fā)展與降低貧困——基于中國1994~2004年小額信貸的分析[J];當(dāng)代經(jīng)濟(jì)科學(xué);2006年06期

4 李林;張穎慧;羅劍朝;;中國農(nóng)村金融發(fā)展與農(nóng)民收入增長關(guān)系的實證研究[J];哈爾濱工業(yè)大學(xué)學(xué)報(社會科學(xué)版);2010年01期

5 王修華;邱兆祥;;農(nóng)村金融發(fā)展對城鄉(xiāng)收入差距的影響機(jī)理與實證研究[J];經(jīng)濟(jì)學(xué)動態(tài);2011年02期

6 林伯強(qiáng);中國的經(jīng)濟(jì)增長、貧困減少與政策選擇[J];經(jīng)濟(jì)研究;2003年12期

7 溫濤,冉光和,熊德平;中國金融發(fā)展與農(nóng)民收入增長[J];經(jīng)濟(jì)研究;2005年09期

8 張平;中國農(nóng)村居民區(qū)域間收入不平等與非農(nóng)就業(yè)[J];經(jīng)濟(jì)研究;1998年08期

9 胡金焱,張樂;非正規(guī)金融與小額信貸:一個理論述評[J];金融研究;2004年07期

10 許崇正;高希武;;農(nóng)村金融對增加農(nóng)民收入支持狀況的實證分析[J];金融研究;2005年09期

本文編號：2444435