【摘要】：中國(guó)是一個(gè)農(nóng)業(yè)大國(guó)，雖然經(jīng)過三十年多年的改革開放，我國(guó)的經(jīng)濟(jì)取得了長(zhǎng)足的進(jìn)步，但巨大的經(jīng)濟(jì)總量掩蓋不了地區(qū)經(jīng)濟(jì)發(fā)展不平衡的現(xiàn)實(shí)情況。如今經(jīng)濟(jì)發(fā)展不均衡、城鄉(xiāng)差距拉大已經(jīng)成為影響我國(guó)經(jīng)濟(jì)整體快速發(fā)展中的一大難題，“三農(nóng)”問題始終是制約社會(huì)經(jīng)濟(jì)發(fā)展的關(guān)鍵，因而協(xié)調(diào)各地區(qū)經(jīng)濟(jì)實(shí)現(xiàn)均衡發(fā)展已成為當(dāng)前社會(huì)的重要目標(biāo)。黨的十六屆三中全會(huì)上提出了“堅(jiān)持以人為本，樹立全面協(xié)調(diào)可持續(xù)發(fā)展的科學(xué)發(fā)展觀”和“五個(gè)統(tǒng)籌”要求，其中統(tǒng)籌城鄉(xiāng)發(fā)展是我們黨和政府在新時(shí)期解決“三農(nóng)”問題、實(shí)現(xiàn)現(xiàn)代化建設(shè)的重大戰(zhàn)略方針。經(jīng)濟(jì)決定金融，而金融反作用于經(jīng)濟(jì)。金融作為一種特殊的資源在促進(jìn)經(jīng)濟(jì)增長(zhǎng)中所起的作用日益明顯，并在一定程度上決定了經(jīng)濟(jì)發(fā)展水平。要想實(shí)現(xiàn)我國(guó)經(jīng)濟(jì)整體快速發(fā)展，必須優(yōu)先發(fā)展農(nóng)村經(jīng)濟(jì)，推動(dòng)新農(nóng)村建設(shè)。由此，首要的方略是合理配置金融資源，發(fā)揮出金融資源對(duì)經(jīng)濟(jì)增長(zhǎng)的促進(jìn)作用，，這對(duì)于改善城鄉(xiāng)二元經(jīng)濟(jì)結(jié)構(gòu)，促進(jìn)國(guó)民經(jīng)濟(jì)持續(xù)快速發(fā)展具有重要意義。 本文在綜合國(guó)內(nèi)外學(xué)者主要觀點(diǎn)的基礎(chǔ)上，對(duì)金融資源的概念進(jìn)行了界定，闡釋了金融資源有效配置的途徑及衡量標(biāo)準(zhǔn)，并分析了城鄉(xiāng)金融資源優(yōu)化配置的必要性。通過比較分析山東省城鄉(xiāng)間金融資源配置的現(xiàn)狀，對(duì)金融資源城鄉(xiāng)配置差異與經(jīng)濟(jì)發(fā)展之間關(guān)系進(jìn)行實(shí)證檢驗(yàn)，進(jìn)而找出制約城鄉(xiāng)間金融資源配置出現(xiàn)差異的原因，并有針對(duì)性的提出優(yōu)化山東省城鄉(xiāng)間金融資源配置的幾點(diǎn)建議。 實(shí)證結(jié)果表明：山東省城鎮(zhèn)金融對(duì)經(jīng)濟(jì)有良好的促進(jìn)作用，而農(nóng)村地區(qū)金融資源與經(jīng)濟(jì)之間相互促進(jìn)的機(jī)制還沒有建立并發(fā)揮作用。因此要想優(yōu)化城鄉(xiāng)間金融資源配置，就要提升政府的支農(nóng)力度，引導(dǎo)政策性資金流向，完善農(nóng)村金融市場(chǎng)競(jìng)爭(zhēng)機(jī)制，創(chuàng)造良好的信用環(huán)境，才能形成金融與經(jīng)濟(jì)相互促進(jìn)的作用機(jī)制，才能加快農(nóng)村經(jīng)濟(jì)發(fā)展，逐步縮小城鄉(xiāng)經(jīng)濟(jì)差距，最終實(shí)現(xiàn)城鄉(xiāng)一體化發(fā)展目標(biāo)。
[Abstract]:China is a big agricultural country. Although after more than 30 years of reform and opening up, China's economy has made great progress, but the huge economic aggregate can not cover up the reality of unbalanced regional economic development. Nowadays, the imbalance of economic development and the widening gap between urban and rural areas have become a major problem affecting the overall rapid economic development of our country. The problem of "agriculture, countryside and farmers" has always been the key to restrict social and economic development. Therefore, coordinating the balanced development of regional economy has become an important goal of the current society. At the third Plenary session of the 16th CPC Central Committee, the third Plenary session of the 16th CPC Central Committee put forward the requirements of "adhering to people-oriented and establishing a scientific concept of development that is comprehensive and coordinated and sustainable development" and "five overall plans", in which the overall planning of urban and rural development is for our party and the government to solve the problem of "agriculture, countryside and farmers" in the new period. A major strategic policy for realizing modernization. The economy determines finance, and finance reacts on the economy. Finance, as a special resource, plays an increasingly obvious role in promoting economic growth, and to a certain extent determines the level of economic development. In order to realize the overall rapid development of China's economy, we must give priority to the development of rural economy and promote the construction of new countryside. Therefore, the first strategy is to allocate financial resources reasonably and play an important role in promoting economic growth, which is of great significance to improve the dual economic structure between urban and rural areas and promote the sustained and rapid development of the national economy. On the basis of synthesizing the main viewpoints of scholars at home and abroad, this paper defines the concept of financial resources, explains the ways and measuring standards of effective allocation of financial resources, and analyzes the necessity of optimizing the allocation of financial resources in urban and rural areas. By comparing and analyzing the present situation of the allocation of financial resources between urban and rural areas in Shandong Province, this paper makes an empirical test on the relationship between the differences between urban and rural financial resources allocation and economic development, and then finds out the reasons that restrict the differences in the allocation of financial resources between urban and rural areas. And put forward some suggestions to optimize the allocation of financial resources between urban and rural areas in Shandong Province. The empirical results show that urban finance in Shandong Province plays a good role in promoting the economy, but the mechanism of mutual promotion between financial resources and economy in rural areas has not yet been established and played a role. Therefore, in order to optimize the allocation of financial resources between urban and rural areas, it is necessary to enhance the government's support for agriculture, guide the flow of policy funds, improve the competition mechanism in the rural financial market, and create a good credit environment. Only by forming the mechanism of mutual promotion between finance and economy, can we speed up the development of rural economy, gradually narrow the economic gap between urban and rural areas, and finally realize the goal of urban-rural integration development.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.7;F127;F224

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