本文選題：農(nóng)村居民 + 財(cái)產(chǎn)性收入��； 參考：《天津財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：2007年10月,黨的十七大報(bào)告提出“創(chuàng)造條件讓更多群眾擁有財(cái)產(chǎn)性收入”,自此,居民財(cái)產(chǎn)性收入受到越來越多的關(guān)注。財(cái)產(chǎn)性收入是居民收入結(jié)構(gòu)中的重要組成部分,而在我國,無論是城鎮(zhèn)居民還是農(nóng)村居民,財(cái)產(chǎn)性收入在居民可支配收入中的比重都很低,財(cái)產(chǎn)性收入還不是居民收入的重要來源之一�，F(xiàn)階段,我國農(nóng)村金融體系處于發(fā)展初期,如果建立一個(gè)強(qiáng)有力的金融支持機(jī)制,保證農(nóng)村居民財(cái)產(chǎn)性收入的提高,就能夠刺激農(nóng)村居民消費(fèi),有利于促進(jìn)我國經(jīng)濟(jì)發(fā)展模式轉(zhuǎn)型；也能夠有效的縮小我國城鄉(xiāng)居民不斷擴(kuò)大的貧富差距,有利于社會(huì)公平；也能夠使農(nóng)村居民分享改革開放經(jīng)濟(jì)發(fā)展的成果,有利于構(gòu)建社會(huì)主義和諧社會(huì)。農(nóng)村居民可以通過多種途徑獲得財(cái)產(chǎn)性收入,可以在經(jīng)濟(jì)發(fā)展過程中參加市場(chǎng)活動(dòng)獲取財(cái)產(chǎn)性收入,也可以直接通過金融服務(wù)獲取財(cái)產(chǎn)性收入,而在這期間都需要得到金融各方面的支持,所以農(nóng)村居民財(cái)產(chǎn)性收入提高的金融支持機(jī)制值得研究。文章先分析農(nóng)村居民財(cái)產(chǎn)性收入的各種影響因素及存在的問題,然后在闡述金融發(fā)展理論、金融發(fā)展與居民收入關(guān)系的相關(guān)理論后,著重分析了金融發(fā)展對(duì)農(nóng)村居民財(cái)產(chǎn)性收入的促進(jìn)作用,以及現(xiàn)階段金融支持機(jī)制形成的基本要素,接著通過建立農(nóng)村金融發(fā)展與農(nóng)村居民財(cái)產(chǎn)性收入之間的VAR模型,實(shí)證檢驗(yàn)得出農(nóng)村金融發(fā)展規(guī)模、金融發(fā)展效率和金融發(fā)展結(jié)構(gòu)都是居民財(cái)產(chǎn)性收入的格蘭杰原因,即金融發(fā)展影響農(nóng)村居民財(cái)產(chǎn)性收入的獲得與提高,最后提出整個(gè)金融支持機(jī)制的相關(guān)改進(jìn)完善建議。我國農(nóng)村金融處在發(fā)展初期,國家應(yīng)該加強(qiáng)農(nóng)村居民社會(huì)保障及金融知識(shí)教育工作,調(diào)整市場(chǎng)監(jiān)管模式和民間金融監(jiān)管方法,以及制定適宜農(nóng)村地區(qū)的稅收和金融政策,從而有效促進(jìn)農(nóng)村地區(qū)金融市場(chǎng)全面發(fā)展,激發(fā)農(nóng)村居民獲取財(cái)產(chǎn)性收入的積極性,同時(shí)農(nóng)村地區(qū)金融機(jī)構(gòu)要積極優(yōu)化自身發(fā)展結(jié)構(gòu),積極提高自身儲(chǔ)蓄轉(zhuǎn)化資本能力和創(chuàng)新能力,爭(zhēng)取為農(nóng)村居民獲取財(cái)產(chǎn)性收入提供全方位金融服務(wù)。
[Abstract]:In October 2007, the report of the 17th National Congress of the Communist Party of China (CPC) proposed that "create conditions for more people to own property income". Since then, more and more attention has been paid to the property income of residents. Property income is an important part of residents' income structure. In our country, the proportion of property income in the disposable income of residents is very low, whether it is urban residents or rural residents. Property income is not one of the most important sources of income. At this stage, China's rural financial system is in the early stages of development. If a strong financial support mechanism is established to ensure the increase of property income of rural residents, it can stimulate rural residents' consumption. It is conducive to promoting the transformation of our country's economic development model; it can also effectively narrow the widening gap between the rich and the poor of urban and rural residents in our country, and is conducive to social equity; and it can also enable rural residents to share the fruits of the economic development of reform and opening up. It is conducive to building a harmonious socialist society. Rural residents can obtain property income through a variety of channels, participate in market activities to obtain property income in the course of economic development, or directly obtain property income through financial services. Therefore, the financial support mechanism for increasing the property income of rural residents is worth studying. This paper first analyzes the various influencing factors and existing problems of rural residents' property income, and then expounds the theory of financial development, the relationship between financial development and residents' income. This paper mainly analyzes the role of financial development in promoting the property income of rural residents, and the basic elements of the formation of financial support mechanism at the present stage, and then establishes the VAR model between rural financial development and rural residents' property income. The empirical test shows that the scale of rural financial development, financial development efficiency and financial development structure are the Granger reasons of residents' property income, that is, financial development affects the acquisition and improvement of rural residents' property income. Finally, the paper puts forward the suggestion of improving and perfecting the whole financial support mechanism. In the early stage of the development of rural finance department, the country should strengthen the work of social security and financial knowledge education for rural residents, adjust the mode of market supervision and folk financial supervision, and formulate tax and financial policies suitable for rural areas. In order to effectively promote the overall development of the financial market in rural areas, stimulate the enthusiasm of rural residents to obtain property income, at the same time, the financial institutions in rural areas should actively optimize their own development structure. We should actively improve our ability of saving and transforming capital and innovation, and strive to provide comprehensive financial services for rural residents to obtain property income.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F323.8;F832.35

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本文編號(hào)：1794698