本文關(guān)鍵詞：我國(guó)農(nóng)村金融發(fā)展對(duì)居民消費(fèi)的影響研究　出處：《湖南大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：作為一個(gè)農(nóng)業(yè)大國(guó)，我國(guó)農(nóng)村人口多、范圍廣，農(nóng)村消費(fèi)市場(chǎng)廣闊且存在著較大的提升空間。但相對(duì)于城市消費(fèi)市場(chǎng)，農(nóng)村市場(chǎng)存在消費(fèi)能力弱、消費(fèi)基礎(chǔ)差的現(xiàn)象，這制約了農(nóng)村消費(fèi)水平的提高，建立擴(kuò)大農(nóng)村居民消費(fèi)的長(zhǎng)效機(jī)制成為當(dāng)務(wù)之急。而建立擴(kuò)大農(nóng)村居民消費(fèi)的長(zhǎng)效機(jī)制，除了需要政府惠農(nóng)、強(qiáng)農(nóng)的政策支持外，還需要農(nóng)村金融的廣泛參與。在此背景下，研究農(nóng)村金融發(fā)展對(duì)居民消費(fèi)的影響具有重要意義。 本文從金融角度研究農(nóng)村的居民消費(fèi)問(wèn)題。首先從理論上深入的分析了農(nóng)村金融發(fā)展影響居民消費(fèi)的傳導(dǎo)機(jī)理，即農(nóng)村金融發(fā)展會(huì)影響農(nóng)村居民工資性收入和家庭經(jīng)營(yíng)性收入作用于居民消費(fèi)能力從而影響居民消費(fèi)；同時(shí)也會(huì)影響農(nóng)村居民的流動(dòng)性約束、不確定性預(yù)期、消費(fèi)環(huán)境三因素作用于消費(fèi)傾向從而影響居民消費(fèi)。然后，通過(guò)實(shí)證，一方面構(gòu)造農(nóng)村金融發(fā)展的雙指標(biāo)，，基于VAR模型實(shí)證檢驗(yàn)了農(nóng)村金融發(fā)展規(guī)模的擴(kuò)大能提高居民消費(fèi)總支出，并有效提高各層次消費(fèi)支出，且對(duì)生活型消費(fèi)支出的影響較大。但由于我國(guó)農(nóng)村金融發(fā)展效率不高且有不斷下降的趨勢(shì)，因此未對(duì)農(nóng)村居民消費(fèi)支出產(chǎn)生促進(jìn)作用。在此基礎(chǔ)上，進(jìn)一步利用實(shí)證方法檢驗(yàn)了我國(guó)農(nóng)村金融發(fā)展對(duì)居民消費(fèi)的影響渠道，即農(nóng)村金融發(fā)展規(guī)模擴(kuò)大能通過(guò)增收渠道和緩解流動(dòng)性約束渠道在一定程度上提高居民消費(fèi)水平，其中促進(jìn)增收是其主要渠道。最后，在明確了農(nóng)村金融對(duì)消費(fèi)的重要性后，提出了以農(nóng)村金融發(fā)展促進(jìn)居民消費(fèi)的政策建議，以使農(nóng)村金融能為擴(kuò)大農(nóng)村消費(fèi)市場(chǎng)，拉動(dòng)農(nóng)村居民消費(fèi)提供更好的支撐。
[Abstract]:As a large agricultural country, China's rural population, a wide range of vast rural consumer market and there is a large room for improvement. But compared to the city market, rural market consumption capacity is weak, poor consumption phenomenon, which restricts the rural consumption level is high, the establishment of long-term mechanism for expanding consumption of rural residents become a pressing matter of the moment. And the establishment of a long-term mechanism to expand the consumption of rural residents, in addition to government Huinong strong agricultural policy support, need to participate in rural finance. Under this background, has important significance of rural financial development on consumption.
This paper is to study the rural resident consumption from the financial perspective. Firstly, in-depth analysis of the conduction mechanism of the consumption effect of rural financial development, which will affect the wage income of rural residents and the family business income effect to the residents' consumption ability to influence residents' consumption of rural financial development; also the liquidity constraints affecting rural residents the uncertainty of the expected, three factors in the consumption environment affects the consumption and consumption tendency. Then, through the empirical study, a dual index structure of rural financial development, empirical test of the VAR model to expand the scale of rural financial development can improve the residents' Consumption Expenditure Based on, and effectively improve the level of consumer spending, and the influence of living consumption expenditure is larger. But due to the development of China's rural financial efficiency is not high and there is a downward trend, therefore not on farm village The impact of consumer spending. On this basis, the further use of empirical methods to test the influence channel of China's rural financial development on household consumption, which can expand the scale of rural finance development by income channels and easing liquidity constraints channel to a certain extent, improve the level of consumption, which promote income is the main channel. Finally, in the rural finance on the importance of consumption, puts forward the policy suggestions to promote household consumption in rural financial development, to make rural finance to expand rural consumption market, stimulating the consumption of rural residents to provide better support.

【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F323.8;F832.35

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