本文關(guān)鍵詞：基于SCP范式的山東省農(nóng)村金融發(fā)展研究　出處：《山東農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村金融 市場(chǎng)結(jié)構(gòu) 市場(chǎng)行為 市場(chǎng)績(jī)效 山東省

【摘要】：隨著我國(guó)改革開(kāi)放的持續(xù)深入和市場(chǎng)經(jīng)濟(jì)的不斷發(fā)展，農(nóng)村經(jīng)濟(jì)、農(nóng)業(yè)發(fā)展和農(nóng)民及涉農(nóng)組織等對(duì)農(nóng)村地區(qū)的金融資金的需求激增，而農(nóng)村金融體系在整個(gè)金融體系的體制改革和發(fā)展中比較落后。因此，如何解決農(nóng)村金融資金如何滿足農(nóng)村地區(qū)的資金需求，以及金融機(jī)構(gòu)自身的可持續(xù)發(fā)展問(wèn)題，為我國(guó)的農(nóng)村經(jīng)濟(jì)發(fā)展提供強(qiáng)力地金融支持，己成為金融理論研究和實(shí)踐面臨的共同課題。 本文運(yùn)用產(chǎn)業(yè)經(jīng)濟(jì)學(xué)的SCP范式，分別對(duì)山東農(nóng)村金融的市場(chǎng)結(jié)構(gòu)與績(jī)效進(jìn)行實(shí)證分析。首先，對(duì)山東省農(nóng)村金融的發(fā)展現(xiàn)狀進(jìn)行了梳理，發(fā)現(xiàn)了雖然山東省農(nóng)村金融服務(wù)體系自建立以來(lái)促進(jìn)了山東省農(nóng)業(yè)的經(jīng)濟(jì)發(fā)展，但是隨著農(nóng)村金融市場(chǎng)的進(jìn)一步放開(kāi)，山東省農(nóng)村金融體系對(duì)農(nóng)村地區(qū)的支農(nóng)作用反而越來(lái)越弱以及農(nóng)村地區(qū)金融供需不平衡等諸多問(wèn)題。 其次，從市場(chǎng)份額、市場(chǎng)集中度、市場(chǎng)準(zhǔn)入和退出壁壘等方面對(duì)山東省農(nóng)村金融的市場(chǎng)結(jié)構(gòu)進(jìn)行了深入分析，得出山東農(nóng)村金融市場(chǎng)結(jié)構(gòu)是寡頭壟斷型的，但是隨著農(nóng)村金融市場(chǎng)逐步開(kāi)放，農(nóng)村金融市場(chǎng)集中度不斷降低，同時(shí)隨著山東農(nóng)村金融市場(chǎng)準(zhǔn)入壁壘降低，村鎮(zhèn)銀行、農(nóng)村資金互助社和小額貸款公司等新型農(nóng)村金融機(jī)構(gòu)的紛紛成立，使農(nóng)村金融市場(chǎng)的競(jìng)爭(zhēng)程度得到提升，在一定程度上改善了農(nóng)村貸款難的局面。 再次，通過(guò)結(jié)合山東省農(nóng)村金融的實(shí)際發(fā)展?fàn)顩r對(duì)農(nóng)村金融機(jī)構(gòu)的市場(chǎng)行為進(jìn)行了分析和描述，包括價(jià)格行為和非價(jià)格行為，研究結(jié)果顯示，在不斷放寬貸款利率的趨勢(shì)下，不同農(nóng)村金融機(jī)構(gòu)之間的價(jià)格競(jìng)爭(zhēng)成為一種必然趨勢(shì)，為了爭(zhēng)奪優(yōu)質(zhì)的客戶，農(nóng)信社采取了競(jìng)爭(zhēng)性的定價(jià)方式，，農(nóng)業(yè)發(fā)展銀行、農(nóng)村合作金融機(jī)構(gòu)和新型金融機(jī)構(gòu)等對(duì)其產(chǎn)品和服務(wù)進(jìn)行了各種創(chuàng)新，以期占有較大的市場(chǎng)份額，獲取更大的收益。農(nóng)村金融市場(chǎng)結(jié)構(gòu)影響了金融機(jī)構(gòu)的市場(chǎng)行為進(jìn)而會(huì)對(duì)金融機(jī)構(gòu)的經(jīng)營(yíng)績(jī)效和金融市場(chǎng)績(jī)效產(chǎn)生影響。 然后，通過(guò)資產(chǎn)利潤(rùn)率、資產(chǎn)負(fù)債率、存貸比率和農(nóng)村金融相關(guān)率等微觀、宏觀指標(biāo)分析了山東農(nóng)村金融市場(chǎng)績(jī)效，結(jié)果顯示山東農(nóng)村金融的市場(chǎng)績(jī)效得到了逐步的提高，但是各金融機(jī)構(gòu)的經(jīng)營(yíng)效果并不理想，不能達(dá)到效益最大化，這也說(shuō)明了寡頭壟斷市場(chǎng)結(jié)構(gòu)下，各金融機(jī)構(gòu)做出的市場(chǎng)經(jīng)營(yíng)均出現(xiàn)了非效率狀況。 再次，通過(guò)回歸方程計(jì)量分析，發(fā)現(xiàn)山東農(nóng)村金融市場(chǎng)結(jié)構(gòu)和綜合績(jī)效之間存在著長(zhǎng)期穩(wěn)定的均衡關(guān)系，通過(guò)改善農(nóng)村金融的市場(chǎng)結(jié)構(gòu)可以促進(jìn)農(nóng)村金融市場(chǎng)績(jī)效的提高。 最后，給出發(fā)展山東農(nóng)村金融市場(chǎng)的對(duì)策建議：進(jìn)一步放開(kāi)和健全農(nóng)村金融市場(chǎng)、支持農(nóng)村金融創(chuàng)新、推進(jìn)農(nóng)村利率市場(chǎng)化改革以及加大政府對(duì)農(nóng)村金融的農(nóng)業(yè)信貸支持等。
[Abstract]:With the continuous deepening of China's reform and opening up and the continuous development of the market economy, the rural economy, agricultural development and farmers and agriculture-related organizations in rural areas of financial capital demand surge. However, the rural financial system is relatively backward in the system reform and development of the whole financial system. Therefore, how to solve the rural financial funds to meet the financial needs of rural areas. The sustainable development of financial institutions has become a common subject for the research and practice of financial theory, which provides strong financial support for the development of rural economy in China. Using the SCP paradigm of industrial economics, this paper empirically analyzes the market structure and performance of rural finance in Shandong Province. Firstly, the development status of rural finance in Shandong Province is sorted out. Found that Shandong Province since the establishment of rural financial services system has promoted the economic development of agriculture in Shandong Province, but with the further liberalization of rural financial markets. On the contrary, the rural financial system of Shandong Province plays a weaker and weaker role in supporting agriculture in rural areas and the imbalance of financial supply and demand in rural areas. Secondly, from the aspects of market share, market concentration, market access and exit barriers, the paper analyzes the market structure of Shandong rural finance, and concludes that the structure of Shandong rural financial market is oligopolistic. However, with the gradual opening of rural financial markets, the concentration of rural financial markets is decreasing, and with the lowering of barriers to rural financial market access in Shandong, village banks. With the establishment of new rural financial institutions, such as rural mutual aid societies and micro-loan companies, the competition of rural financial markets has been enhanced, and the situation of the difficulty of rural loans has been improved to a certain extent. Thirdly, the paper analyzes and describes the market behavior of rural financial institutions, including price behavior and non-price behavior, by combining the actual development of rural finance in Shandong Province. In the trend of relaxing loan interest rate, price competition among different rural financial institutions has become an inevitable trend. In order to compete for high-quality customers, RCCs have adopted competitive pricing method, Agricultural Development Bank. Rural cooperative financial institutions and new financial institutions have carried out various innovations in their products and services in order to occupy a large market share. The structure of rural financial market affects the market behavior of financial institutions and then affects the operating performance and financial market performance of financial institutions. Then, through the asset profit rate, asset-liability ratio, deposit and loan ratio and rural financial correlation ratio and other microscopic, macro-indicators analysis of Shandong rural financial market performance. The results show that the market performance of Shandong rural finance has been gradually improved, but the operating effect of the financial institutions is not ideal, can not achieve the maximum benefit, which also shows that under the oligopoly market structure. The market operation that each financial institution makes appeared inefficiency condition. Thirdly, through the regression equation econometric analysis, we find that there is a long-term stable equilibrium relationship between the structure of Shandong rural financial market and comprehensive performance. By improving the market structure of rural finance, the performance of rural financial market can be improved. Finally, the paper gives the countermeasures of developing Shandong rural financial market: further opening and improving rural financial market, supporting rural financial innovation. Promote market-oriented reform of rural interest rates and increase government agricultural credit support to rural finance.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35

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