【摘要】：關(guān)于中國農(nóng)村金融發(fā)展如何促進(jìn)農(nóng)村經(jīng)濟(jì)增長的問題,無論從中央層面還是從地方層面,無論從學(xué)術(shù)研究者還是從實(shí)務(wù)工作者,都存在重大的爭論和分歧。這個(gè)問題的存在,嚴(yán)重影響了農(nóng)村金融的發(fā)展,進(jìn)而影響了農(nóng)村經(jīng)濟(jì)的發(fā)展。因此,盡快找到農(nóng)村金融促進(jìn)農(nóng)村經(jīng)濟(jì)增長的有效路徑并正確解決這個(gè)問題具有重大現(xiàn)實(shí)意義和理論意義。 因此本文的研究目的首先就是依據(jù)金融功能論和內(nèi)生經(jīng)濟(jì)增長理論分析農(nóng)村金融發(fā)展促進(jìn)農(nóng)村經(jīng)濟(jì)增長的實(shí)現(xiàn)路徑,并掌握我國農(nóng)村金融發(fā)展與農(nóng)村經(jīng)濟(jì)增長基本態(tài)勢(shì)。其次,利用數(shù)理模型科學(xué)驗(yàn)證我國農(nóng)村金融發(fā)展促進(jìn)農(nóng)村經(jīng)濟(jì)增長的有效路徑。最后基于我國農(nóng)村經(jīng)濟(jì)和農(nóng)村金融發(fā)展現(xiàn)狀提出切實(shí)可行并符合我國農(nóng)村經(jīng)濟(jì)體制和政治體制改革方案。為了實(shí)現(xiàn)以上研究目的,本文研究內(nèi)容做了如下安排：第一章首先對(duì)本文的選題背景進(jìn)行展示,指出目前研究農(nóng)村金融發(fā)展促進(jìn)農(nóng)村經(jīng)濟(jì)增長路徑研究的迫切性；簡要回顧和評(píng)述了與本選題相關(guān)的已有研究成果,提出了本文的研究目標(biāo)與主要內(nèi)容。此外,對(duì)本文的研究方法和研究思路以及相關(guān)數(shù)據(jù)和資料來源也作了說明；第二章回顧國內(nèi)外與本文研究相關(guān)經(jīng)典理論,并以此為起點(diǎn)作為下文研究的基礎(chǔ)；第三章依據(jù)金融發(fā)展最前沿理論,從理論上探討農(nóng)村金融促進(jìn)農(nóng)村經(jīng)濟(jì)增長的真實(shí)路徑；第四章詳細(xì)分析了我國近60年來農(nóng)村金融與農(nóng)村經(jīng)濟(jì)增長基本態(tài)勢(shì)；第五章在上一基礎(chǔ)上,建立VAR模型實(shí)證檢驗(yàn)了我國農(nóng)村金融促進(jìn)農(nóng)村經(jīng)濟(jì)增長的真實(shí)路徑及其存在的問題；第六章總結(jié)本文研究結(jié)論并在此基礎(chǔ)上,提出我國農(nóng)村金融發(fā)展促進(jìn)農(nóng)村經(jīng)濟(jì)增長的科學(xué)路徑； 最后,本文基于上述研究得出如下結(jié)論并提出了有針對(duì)性的政策建議。 一、本文的基本研究結(jié)論： 1.農(nóng)村經(jīng)濟(jì)技術(shù)效率是農(nóng)村金融發(fā)展影響農(nóng)村經(jīng)濟(jì)增長的唯一暢通渠道 無論是在長期還是在短期內(nèi),農(nóng)村經(jīng)濟(jì)技術(shù)效率是農(nóng)村金融發(fā)展影響農(nóng)村經(jīng)濟(jì)增長的顯著渠道,并且長期內(nèi)影響為正,短期內(nèi)為負(fù)。這與我國農(nóng)村經(jīng)濟(jì)發(fā)展傳統(tǒng)觀點(diǎn)僅僅通過農(nóng)村金融發(fā)展提高農(nóng)村資本積累拉動(dòng)經(jīng)濟(jì)增長不同,證實(shí)了農(nóng)村經(jīng)濟(jì)技術(shù)效率提升才是保持我國農(nóng)村經(jīng)濟(jì)長期增長的核心動(dòng)力。 2.資本積累與產(chǎn)業(yè)升級(jí)促進(jìn)農(nóng)村經(jīng)濟(jì)增長的內(nèi)部傳導(dǎo)渠道不暢通 一是雖然農(nóng)村資本積累對(duì)農(nóng)村經(jīng)濟(jì)增長影響顯著,但農(nóng)村金融發(fā)展對(duì)農(nóng)村資本積累影響不顯著,這也就是說我國落后的農(nóng)村金融發(fā)展體制抑制了我國農(nóng)村經(jīng)濟(jì)增長；二是產(chǎn)業(yè)結(jié)構(gòu)升級(jí)對(duì)農(nóng)村經(jīng)濟(jì)增長影響不明顯,只在個(gè)別(1979-1996)時(shí)期影響經(jīng)濟(jì)增長,并且農(nóng)村金融發(fā)展與農(nóng)村產(chǎn)業(yè)升級(jí)并不存在長期均衡關(guān)系,所以農(nóng)村金融發(fā)展也并未通過推動(dòng)農(nóng)村產(chǎn)業(yè)升級(jí)影響經(jīng)濟(jì)增長。 3.發(fā)展農(nóng)村科技金融有助于實(shí)現(xiàn)農(nóng)村產(chǎn)業(yè)升級(jí) 雖然我國農(nóng)村金融發(fā)展尚未對(duì)農(nóng)村產(chǎn)業(yè)結(jié)構(gòu)產(chǎn)生至“質(zhì)”的影響,但是研究顯示農(nóng)村金融和農(nóng)村技術(shù)效率的結(jié)合與農(nóng)村產(chǎn)業(yè)升級(jí)存在長期均衡關(guān)系,這一研究結(jié)論進(jìn)一步證實(shí)了農(nóng)村金融發(fā)展在促進(jìn)農(nóng)村產(chǎn)業(yè)升級(jí),進(jìn)而實(shí)現(xiàn)農(nóng)村經(jīng)濟(jì)超常規(guī)增長的抓手和著力點(diǎn)應(yīng)為農(nóng)村技術(shù)效率的提升。 二、本文提出的政策建議 基于以上研究結(jié)論本文的提出政策建議主要有如下幾方面： 1、加速農(nóng)村金融發(fā)展促進(jìn)農(nóng)村經(jīng)濟(jì)增長路徑中的資本積累 強(qiáng)化地方政府的引導(dǎo)與監(jiān)管作用,積極培育新型農(nóng)村合作金融組織,打通民間資本對(duì)農(nóng)業(yè)產(chǎn)業(yè)、農(nóng)村經(jīng)濟(jì)的投資渠道。充分地利用金融市場(chǎng),創(chuàng)新農(nóng)村金融體制,降低民間資本進(jìn)入農(nóng)業(yè)、農(nóng)村經(jīng)濟(jì)的門檻,合法化經(jīng)營規(guī)范的民間資本,為創(chuàng)造農(nóng)業(yè)產(chǎn)業(yè)、農(nóng)村經(jīng)濟(jì)持續(xù)性的資本形成機(jī)制打開窗口。提高農(nóng)村資本存量水平,轉(zhuǎn)化存量巨大的民間資本為增量資本。 2、加快推動(dòng)農(nóng)村金融發(fā)展與提升農(nóng)村技術(shù)效率有效載體的合作 要想引導(dǎo)資金回流,最根本的辦法就是解決資金的收益問題。因此,促進(jìn)有限的農(nóng)村金融資源與改善農(nóng)村技術(shù)效率的結(jié)合,以農(nóng)業(yè)現(xiàn)代化為主線,通過農(nóng)業(yè)補(bǔ)貼,農(nóng)戶補(bǔ)貼,涉農(nóng)貸款利率優(yōu)惠政策,鼓勵(lì)農(nóng)村金融機(jī)構(gòu)積極開展以推進(jìn)農(nóng)業(yè)現(xiàn)代化為目標(biāo)的信貸產(chǎn)品,金融服務(wù)和風(fēng)險(xiǎn)管理創(chuàng)新。 3、充分發(fā)揮農(nóng)村金融發(fā)展在農(nóng)村產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化與升級(jí)進(jìn)程中的重要作用 協(xié)調(diào)農(nóng)村金融推動(dòng)農(nóng)業(yè)現(xiàn)代化與城鎮(zhèn)化和工業(yè)化的步伐,尤其是新型城鎮(zhèn)化的建設(shè)。改變傳統(tǒng)農(nóng)業(yè),發(fā)展現(xiàn)代化農(nóng)業(yè),提高農(nóng)業(yè)單產(chǎn)值,提高農(nóng)村金融在農(nóng)業(yè)現(xiàn)代化與城鎮(zhèn)化和工業(yè)化中的投資效率,完成農(nóng)村產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化與升級(jí),提高農(nóng)村產(chǎn)業(yè)升級(jí)對(duì)農(nóng)村經(jīng)濟(jì)增長貢獻(xiàn)度。惟其如此,農(nóng)村金融發(fā)展才能真正成為中國農(nóng)村經(jīng)濟(jì)和農(nóng)民收入增長的前提和條件,才能創(chuàng)造持續(xù)性的農(nóng)業(yè)產(chǎn)業(yè)、農(nóng)村資本形成機(jī)制。
[Abstract]:The question of how to promote the growth of the rural economy in the rural financial development of China, whether from the central level or from the local level, has major arguments and differences, whether from the academic or the practical workers. The existence of this problem has seriously affected the development of the rural finance, thus affecting the development of the rural economy. Therefore, it is of great practical significance and theory significance to find the effective way of rural finance to promote the rural economic growth as soon as possible and to solve the problem correctly. Therefore, the purpose of this paper is to analyze the rural financial development and the realization path of rural economic growth according to the theory of financial function and endogenous economic growth, and to master the basic state of rural financial development and rural economic growth in China. Secondly, using the mathematical model to verify the effective way of the rural financial development to promote the rural economic growth Finally, based on the current situation of rural economy and rural financial development in China, it is feasible and in accordance with the current situation of rural economic system and political system reform in China In order to achieve the purpose of the above research, the following arrangements have been made in this paper: the first chapter first shows the background of the subject, and points out the urgent need to study the rural financial development to promote the research of the rural economic growth path. This paper briefly reviews and comments on the existing research results related to this topic, and puts forward the research object and main contents of this paper. In addition, the research methods and the research ideas and the related data and data sources of this paper are also described. The second chapter reviews the classical theories related to the research in the home and abroad, and the starting point is the basis of the following research; and the third chapter is based on the most frontier of the financial development. On the basis of the theory, the paper discusses the real path of rural finance to promote the growth of rural economy; the fourth chapter analyses the basic situation of rural finance and rural economic growth in the last 60 years of China; and the fifth chapter is on the last foundation. On the basis of the empirical test of VAR model, the real path and the existing problems of rural finance for rural economic growth in China are established. Chapter 6 summarizes the conclusions of this paper and puts forward the scientific way to promote the rural economic growth in China's rural financial development. Path; Finally, on the basis of the above-mentioned research, the following conclusions are drawn and pointed out. I suggest. One, the basis of this article The results of this study are as follows:1. The rural economic and technological efficiency is the rural economic development that influences the rural financial development. The long and only clear channel, whether in the long term or in the short term, the rural economic technology efficiency is the rural finance development influence the rural area a significant channel of economic growth and long-term internal reflection It is positive and negative in the short term. This is only through the rural financial development to improve the rural capital accumulation and the economic growth from the traditional view of the rural economic development in China, and it is proved that the improvement of the rural economic technology efficiency is the maintenance of the rural economy in China. the core power of long-term growth.2. Capital accumulation and industrial upgrading to promote the rural economy The internal conduction channel of growth is not smooth. Although the rural capital accumulation has a significant impact on the rural economic growth, the rural finance The effect of the exhibition on the accumulation of capital in the rural areas is not significant, which means that the backward rural financial development system of our country has restrained the growth of the rural economy in our country, and the second is the influence of the upgrading of the industrial structure on the growth of the rural economy is not obvious, only in the individual (1979- In the period of 1996, the economic growth is affected, and the rural financial development and the rural industrial upgrading do not have a long-term equilibrium relationship, so the rural financial development has not been pushed Moving rural industrial upgrading affects economic growth.3. Development of agriculture The village science and technology finance has helped to realize the rural industry upgrading, although the rural financial development in China has not affected the rural industrial structure to the "quality", the research shows the rural finance and the rural technical efficiency In combination with the long-term equilibrium relationship with the upgrading of rural industry, this study further confirms the rural financial development in promoting the upgrading of the rural industry, thus realizing the super-regular growth of the rural economy The grip and the point of focus should be the rural technology The improvement of the efficiency of the operation. The conclusions of this paper are as follows:1. Speeding up the Rural Financial Development and Promoting the Increase of the Rural Economy The capital accumulation in the long path strengthens the guidance and supervision of the local government, and actively cultivates the new rural cooperative gold through the financial market, the innovation of the rural financial system, the reduction of the private capital into the agriculture, the threshold of the rural economy and the legalization of the private capital of the business standard, The creation of the agricultural industry and the sustainable capital formation mechanism of the rural economy opens the window. The level of the rural capital stock and the huge amount of the private capital converted to the stock are the incremental capital. 2. Speed up the integration of the effective carrier of the rural financial development and the improvement of the rural technical efficiency In order to guide the return of the funds, the most fundamental solution is to solve the problem of the income of the funds. Therefore, the combination of the limited rural financial resources and the improvement of the rural technical efficiency is promoted, and the agricultural modernization is the main line, and the preferential policies of the agricultural subsidies, the farmer's subsidies and the interest rate of the agriculture-related loans are adopted. and encourage the rural financial institutions to actively drive The development of credit products, financial services and risk management innovation aimed at promoting the modernization of agriculture. 3. Give full play to the important role of rural financial development in the process of rural industrial structure optimization and upgrading The village finance promotes the modernization of agriculture and the pace of urbanization and industrialization, especially the construction of a new type of urbanization. It changes the traditional agriculture, develops the modern agriculture, improves the output value of the agricultural output, and improves the investment efficiency of the rural finance in the agricultural modernization and urbanization and industrialization To improve the rural industrial structure and to upgrade the rural industrial structure, to improve the contribution of rural industrial upgrading to the economic growth in the rural areas, so that the rural financial development can truly become the rural economy and the agriculture in China
【學(xué)位授予單位】：西南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35;F327

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本文編號(hào)：2478659