本文關(guān)鍵詞： 農(nóng)村金融 農(nóng)村金融發(fā)展 農(nóng)村經(jīng)濟(jì)增長　出處：《湘潭大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：經(jīng)過三十多年的改革開放，中國經(jīng)濟(jì)發(fā)展取得了舉世矚目的成就，可以說年均9.8%的經(jīng)濟(jì)增長率創(chuàng)造了世界經(jīng)濟(jì)增長的奇跡。在這一過程中，城市經(jīng)濟(jì)得到飛速發(fā)展，城鎮(zhèn)化水平不斷提高，城鎮(zhèn)居民可支配收入也不斷增加。但是，在整體經(jīng)濟(jì)“蛋糕”越做越大的同時，也存在許多問題和矛盾，其中一個很重要的問題就是農(nóng)村經(jīng)濟(jì)發(fā)展緩慢，與整個國民經(jīng)濟(jì)發(fā)展趨勢不協(xié)調(diào)。金融決定經(jīng)濟(jì)，，經(jīng)濟(jì)推動金融，農(nóng)村金融的發(fā)展對于推動農(nóng)村經(jīng)濟(jì)增長具有重要作用。 本文首先闡述了選題背景與意義，對國內(nèi)外有關(guān)金融發(fā)展與經(jīng)濟(jì)增長關(guān)系的相關(guān)文獻(xiàn)進(jìn)行了系統(tǒng)的梳理，對本文的研究方法與創(chuàng)新之處進(jìn)行了簡單介紹。然后，對文中涉及的有關(guān)農(nóng)村經(jīng)濟(jì)與農(nóng)村金融的概念，及農(nóng)村金融發(fā)展的測度方法進(jìn)行了解釋。在文獻(xiàn)研究的基礎(chǔ)上，建立了農(nóng)村金融發(fā)展與農(nóng)村經(jīng)濟(jì)增長關(guān)系的理論分析框架。隨后，本文對我國農(nóng)村經(jīng)濟(jì)與農(nóng)村金融的發(fā)展現(xiàn)狀及問題進(jìn)行了描述，并列出典型事實(shí)初步證明了農(nóng)村金融發(fā)展對農(nóng)村經(jīng)濟(jì)增長的促進(jìn)作用。為檢驗這一初步結(jié)論，本文基于30�。ㄊ小⒅陛爡^(qū)）6年的靜態(tài)面板數(shù)據(jù)，選取固定效應(yīng)模型，從定量角度對農(nóng)村金融發(fā)展與農(nóng)村經(jīng)濟(jì)增長關(guān)系進(jìn)行了研究。研究結(jié)果表明：農(nóng)村金融發(fā)展規(guī)模與農(nóng)村金融發(fā)展效率均在99%的置信水平下，顯著促進(jìn)農(nóng)村經(jīng)濟(jì)增長。而農(nóng)村金融發(fā)展結(jié)構(gòu)則視不同地區(qū)而呈現(xiàn)不同效應(yīng)，東部地區(qū)農(nóng)村金融市場壟斷程度越高，越不利于農(nóng)村經(jīng)濟(jì)增長，而中西部農(nóng)村地區(qū)卻呈現(xiàn)相反效應(yīng)。同時農(nóng)村人均固定資產(chǎn)投資、非農(nóng)業(yè)就業(yè)比例、人均財政支農(nóng)支出和城鎮(zhèn)化水平也對農(nóng)村經(jīng)濟(jì)增長有積極或消極作用。然后本文選取農(nóng)村人均純收入增長率作為農(nóng)村人均GDP增長率的替代變量，在解釋變量不變的基礎(chǔ)上檢驗了這一結(jié)論的穩(wěn)健性。 最后，本文基于農(nóng)村金融發(fā)展的視角提出了促進(jìn)我國農(nóng)村經(jīng)濟(jì)增長的對策建議。其一，要增加農(nóng)村金融供給總量，可以從兩方面著手，即多元化農(nóng)村金融供給體系，商業(yè)性金融、政策性金融與民間金融齊頭并進(jìn)，避免出現(xiàn)“一家獨(dú)大”的局面，同時也要注重加大農(nóng)村金融發(fā)展的政策扶持力度，有效激勵各種金融機(jī)構(gòu)服務(wù)“三農(nóng)”。其二，要提高農(nóng)村金融的發(fā)展效率，一方面創(chuàng)新農(nóng)村金融產(chǎn)品和服務(wù)，另一方面，優(yōu)化農(nóng)村金融監(jiān)管制度，提高農(nóng)村金融機(jī)構(gòu)的經(jīng)營管理水平。其三，要改善農(nóng)村金融生態(tài)環(huán)境，讓農(nóng)村金融機(jī)構(gòu)能夠放心支農(nóng)，降低其信貸風(fēng)險，實(shí)現(xiàn)農(nóng)村金融機(jī)構(gòu)的長期可持續(xù)發(fā)展，這不僅需要完善農(nóng)村金融法律法規(guī)，保護(hù)借貸雙方利益，還要加強(qiáng)農(nóng)村信用體系建設(shè)，為改善農(nóng)村金融生態(tài)環(huán)境提供切實(shí)保障。通過以上三方面措施，最終達(dá)到促進(jìn)農(nóng)村經(jīng)濟(jì)長遠(yuǎn)發(fā)展的目的。
[Abstract]:After more than 30 years of reform and opening up, China's economic development has made remarkable achievements. It can be said that the average annual economic growth rate of 9.8% has created a miracle of world economic growth. The level of urbanization is constantly improving, and the disposable income of urban residents is also increasing. However, while the overall economic "cake" is getting bigger and bigger, there are also many problems and contradictions, one of which is the slow development of the rural economy. Finance determines economy, economy promotes finance, and rural finance plays an important role in promoting rural economic growth. This paper first expounds the background and significance of the selected topic, systematically combs the relevant literature on the relationship between financial development and economic growth at home and abroad, and briefly introduces the research methods and innovations of this paper. This paper explains the concepts of rural economy and rural finance, and the measurement methods of rural financial development. The theoretical analysis frame of the relationship between rural financial development and rural economic growth is established. Then, this paper describes the current situation and problems of the development of rural economy and rural finance in China. In order to test this preliminary conclusion, based on the static panel data of 30 provinces (cities and territories) for 6 years, the fixed effect model is selected. The relationship between rural financial development and rural economic growth is studied from a quantitative perspective. The results show that the scale of rural financial development and the efficiency of rural financial development are at the confidence level of 99%. The structure of rural financial development shows different effects according to different regions. The higher the monopoly degree of rural financial market in the eastern region, the more unfavorable to rural economic growth. However, the rural areas in the central and western regions have the opposite effect. At the same time, per capita fixed asset investment in rural areas, the proportion of non-agricultural employment, The per capita expenditure on supporting agriculture and the level of urbanization also have a positive or negative effect on the rural economic growth. Then this paper selects the rural per capita net income growth rate as the alternative variable of the rural per capita GDP growth rate. The robustness of this conclusion is tested on the basis of invariant explanatory variables. Finally, based on the perspective of rural financial development, this paper puts forward countermeasures and suggestions to promote the growth of rural economy in China. First, to increase the total amount of rural financial supply, we can start from two aspects, namely, the diversified rural financial supply system. Commercial finance, policy finance and private finance go hand in hand to avoid the situation of "one family dominating". At the same time, we should also pay attention to increasing the policy support for the development of rural finance, and effectively encourage all kinds of financial institutions to serve the "three rural areas". Second, To improve the development efficiency of rural finance, on the one hand, to innovate rural financial products and services, on the other hand, to optimize the rural financial supervision system and improve the management and management level of rural financial institutions. Third, to improve the rural financial ecological environment. To enable rural financial institutions to rest assured of supporting agriculture, reduce their credit risks, and realize the long-term sustainable development of rural financial institutions, it is necessary not only to improve rural financial laws and regulations, to protect the interests of both borrowers and borrowers, but also to strengthen the construction of rural credit systems. In order to improve the rural financial ecological environment to provide practical protection, through the above three measures, finally achieve the purpose of promoting the long-term development of rural economy.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35;F323

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