【摘要】：農(nóng)民增收問題是關(guān)系到一個國家民生的現(xiàn)實問題。農(nóng)民收入增長以農(nóng)村經(jīng)濟發(fā)展為依托，而農(nóng)村經(jīng)濟發(fā)展又依靠農(nóng)村金融的有效支撐。隨著農(nóng)村金融體制改革的進(jìn)一步深化，如何建立農(nóng)村金融發(fā)展與農(nóng)民收入增長間的良性互動關(guān)系成為一個亟待解決的重大現(xiàn)實問題。 基于金融發(fā)展理論，本文首先分析了我國農(nóng)村金融發(fā)展與農(nóng)民收入增長的理論關(guān)系，從中探討了農(nóng)村金融發(fā)展過程中存在的主要問題，并對影響二者之間相互促進(jìn)、相互融合發(fā)展的原因進(jìn)行了分析，得出我國二元經(jīng)濟背景下的金融抑制是制約農(nóng)民收入增長的重要因素。其次應(yīng)用描述性統(tǒng)計對我國農(nóng)村金融發(fā)展、農(nóng)民收入水平的現(xiàn)狀和變化趨勢進(jìn)行了定量分析，發(fā)現(xiàn)我國農(nóng)村金融呈現(xiàn)“高增長、低效率”的發(fā)展?fàn)顩r，即雖然農(nóng)村金融發(fā)展深度擴張迅速，但是仍然存在結(jié)構(gòu)過于單一化、農(nóng)村儲蓄-投資轉(zhuǎn)換效率低下、農(nóng)村信貸水平發(fā)展滯后等問題；農(nóng)民人均純收入雖然保持持續(xù)增長，但是城鄉(xiāng)居民收入差距擴大趨勢正在加大。再次，文中將農(nóng)村金融發(fā)展分為農(nóng)村金融發(fā)展規(guī)模、水平、結(jié)構(gòu)和效率四個層面，并將農(nóng)村固定資產(chǎn)投資率作為控制變量，應(yīng)用Johansen協(xié)整檢驗、向量誤差修正模型、格蘭杰因果檢驗、脈沖響應(yīng)函數(shù)和方差分析，進(jìn)一步探討農(nóng)村金融發(fā)展與農(nóng)民收入增長之間的關(guān)系，，并提出觀點：要實現(xiàn)農(nóng)村金融發(fā)展和農(nóng)民增收的協(xié)調(diào)發(fā)展的目標(biāo)應(yīng)該“數(shù)量”和“質(zhì)量”并重，即在擴大農(nóng)村金融規(guī)模總量的同時也應(yīng)當(dāng)注重農(nóng)村金融支農(nóng)效率的提高。并在文章的最后結(jié)合我國農(nóng)村金融發(fā)展的實際情況，針對性地提出我國農(nóng)村金融如何發(fā)展從而使農(nóng)民增收的建議。
[Abstract]:The problem of increasing farmers' income is a realistic problem related to the people's livelihood of a country. Farmers' income growth is based on the development of rural economy, and the development of rural economy depends on the effective support of rural finance. With the further deepening of the reform of rural financial system, how to establish a benign interactive relationship between rural financial development and farmers' income growth has become a major practical problem to be solved urgently. Based on the theory of financial development, this paper first analyzes the theoretical relationship between rural financial development and farmers' income growth in China, probes into the main problems existing in the process of rural financial development, and analyzes the reasons that affect the mutual promotion and integration of the two. It is concluded that financial suppression under the background of dual economy in China is an important factor restricting farmers' income growth. Secondly, descriptive statistics are used to quantitatively analyze the present situation and changing trend of rural financial development and farmers' income level in China. It is found that rural finance in China presents the development situation of "high growth and low efficiency", that is, although the development of rural finance is expanding rapidly, there are still some problems, such as the structure is too simple, the efficiency of rural savings-investment conversion is low, and the development of rural credit level lags behind. Although the per capita net income of farmers continues to grow, the income gap between urban and rural residents is widening. Thirdly, the rural financial development is divided into four aspects: the scale, level, structure and efficiency of rural financial development, and the rural fixed asset investment rate is taken as the control variable. Johansen cointegration test, vector error correction model, Granger causality test, impulse response function and variance analysis are used to further explore the relationship between rural financial development and farmers' income growth. And put forward the point of view: in order to achieve the goal of coordinated development of rural financial development and farmers' income increase, we should pay equal attention to both "quantity" and "quality", that is to say, we should not only expand the total amount of rural finance, but also pay attention to the improvement of the efficiency of rural finance supporting agriculture. At the end of the article, combined with the actual situation of rural financial development in China, this paper puts forward some suggestions on how to develop rural finance in China so as to increase farmers' income.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35;F323.8;F224

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