本文關(guān)鍵詞：甘肅省農(nóng)村信貸排斥程度及其影響因素研究　出處：《甘肅農(nóng)業(yè)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著農(nóng)業(yè)現(xiàn)代化改革的不斷深入,農(nóng)村經(jīng)濟(jì)水平取得了較快發(fā)展。然而,農(nóng)村金融領(lǐng)域的發(fā)展相對(duì)較為緩慢,金融資源供需矛盾日益突出,尤其是在經(jīng)濟(jì)欠發(fā)達(dá)的農(nóng)村地區(qū),普遍存在著較為嚴(yán)重的信貸排斥問題。農(nóng)村信貸服務(wù)質(zhì)量的高低,直接影響著金融發(fā)展的整體水平。解決農(nóng)村信貸排斥問題,是推動(dòng)普惠金融發(fā)展必由之路,也是農(nóng)村金融深化改革的必然選擇。由于受到各方面因素的影響,甘肅省農(nóng)村地區(qū)的信貸服務(wù)水平在全國(guó)依然排名較后。因此,對(duì)甘肅省農(nóng)村信貸排斥問題進(jìn)行分析,有利于增強(qiáng)新形勢(shì)下農(nóng)村金融機(jī)構(gòu)對(duì)“三農(nóng)”發(fā)展的信貸資金支持,對(duì)于優(yōu)化農(nóng)村金融供給側(cè)結(jié)構(gòu)性改革具有一定參考意義。本研究運(yùn)用定性比較分析法,對(duì)甘肅省農(nóng)村信貸排斥的現(xiàn)狀進(jìn)行了分析,并基于“六維度”理論模型對(duì)其具體原因進(jìn)行了探討。研究結(jié)果表明,甘肅省農(nóng)村金融供給乏力,存在涉農(nóng)貸款投放主體單一、增長(zhǎng)率不穩(wěn)、相對(duì)規(guī)�？s減及存貸差額較大等問題;主要支農(nóng)金融機(jī)構(gòu)在網(wǎng)點(diǎn)設(shè)立、營(yíng)銷定位、條件設(shè)置、評(píng)估方式、價(jià)格設(shè)定上具有排斥特征。運(yùn)用TOPSIS綜合分析法定量分析了甘肅省農(nóng)村信貸排斥程度發(fā)現(xiàn):從空間上看,甘肅省農(nóng)村信貸排斥程度區(qū)域差異較大,排斥程度最高的定西(0.97)和最低的嘉峪關(guān)(0.26)跨度高達(dá)0.71;空間格局明顯,隴東和隴中地區(qū)的排斥程度分別高達(dá)0.95、0.92。從時(shí)間上看,甘肅省農(nóng)村信貸排斥程度長(zhǎng)期處于0.8~0.9的較高水平,但近年來的農(nóng)村金融改革對(duì)農(nóng)村信貸排斥程度的減緩作用顯著,說明金融深化能夠有效削弱排斥程度。通過單位根檢驗(yàn)、協(xié)整分析及誤差修正后分析等方法對(duì)甘肅省農(nóng)村信貸排斥的影響因素進(jìn)行了實(shí)證分析,發(fā)現(xiàn)農(nóng)村就業(yè)結(jié)構(gòu)、農(nóng)業(yè)技術(shù)現(xiàn)代化率及農(nóng)村GDP無(wú)論是在長(zhǎng)期還是短期,對(duì)農(nóng)村信貸排斥程度均具有顯著反向作用,說明農(nóng)村信貸排斥問題的解決依賴于農(nóng)村農(nóng)業(yè)的發(fā)展、農(nóng)民的個(gè)體特征及農(nóng)村外部經(jīng)濟(jì)環(huán)境要素的優(yōu)化。根據(jù)甘肅省農(nóng)村信貸排斥問題及其制約因素,提出以下建議:大力發(fā)展普惠金融,進(jìn)一步深化農(nóng)村金融改革;堅(jiān)持積極的政策引導(dǎo),完善農(nóng)村金融運(yùn)行機(jī)制;加大農(nóng)業(yè)保險(xiǎn)、補(bǔ)貼力度,引導(dǎo)社會(huì)資金流向農(nóng)村;加強(qiáng)農(nóng)業(yè)現(xiàn)代化項(xiàng)目建設(shè),改善農(nóng)村金融生態(tài)環(huán)境;加強(qiáng)人文基礎(chǔ)建設(shè),提升農(nóng)民的金融認(rèn)知能力;完善公共財(cái)政體系,為農(nóng)村金融發(fā)展提供支撐。
[Abstract]:With the deepening of the reform of agricultural modernization, the level of rural economy has made rapid development. However, the development of rural financial field is relatively slow, and the contradiction between supply and demand of financial resources is increasingly prominent. Especially in the underdeveloped rural areas, there is a serious problem of credit exclusion. The quality of rural credit service directly affects the overall level of financial development and solves the problem of rural credit exclusion. Is the only way to promote the development of inclusive finance, but also the inevitable choice for deepening the reform of rural finance. Because of the influence of various factors, the credit service level in rural areas of Gansu Province is still lower in the country. The analysis of the problem of rural credit exclusion in Gansu Province is helpful to strengthen the credit fund support of rural financial institutions to the development of agriculture, rural areas and farmers under the new situation. For optimizing the supply-side structural reform of rural finance has a certain reference significance. This study uses qualitative comparative analysis to analyze the current situation of rural credit exclusion in Gansu Province. And based on the "six dimensions" theoretical model to explore its specific reasons. The results show that Gansu Province rural financial supply is weak, there is a single main body of agriculture-related loans, the growth rate is unstable. The relative scale is reduced and the difference between deposit and loan is large. The main agricultural financial institutions in the establishment of network, marketing positioning, setting up conditions, evaluation methods. Price setting has the characteristics of exclusion. Quantitative analysis of rural credit exclusion degree in Gansu Province by TOPSIS comprehensive analysis: from a spatial point of view, Gansu Province rural credit exclusion degree of regional differences. The span of Dingxiang 0.97) and the lowest Jiayuguan 0.26) is as high as 0.71; The spatial pattern is obvious, the exclusion degree of Longdong and the middle of Gansu is as high as 0.950.92 respectively. From the time point of view, the degree of rural credit exclusion in Gansu Province is in the high level of 0.80.90 for a long time. However, the rural financial reform in recent years has significantly reduced the degree of rural credit exclusion, indicating that financial deepening can effectively weaken the degree of exclusion, through the unit root test. The co-integration analysis and error correction analysis are used to analyze the influencing factors of rural credit exclusion in Gansu Province, and the structure of rural employment is found. Agricultural technology modernization rate and rural GDP in the long term or in the short term have a significant negative effect on rural credit exclusion, indicating that the solution of rural credit exclusion depends on the development of rural agriculture. According to the problem of rural credit exclusion in Gansu Province and its restrictive factors, the following suggestions are put forward: vigorously developing inclusive finance and further deepening rural financial reform; Adhere to active policy guidance, improve the rural financial operation mechanism; Increase agricultural insurance, subsidies, and guide social funds to rural areas; Strengthening the construction of agricultural modernization projects and improving the rural financial ecological environment; Strengthen the construction of humanistic infrastructure, enhance the financial cognitive ability of farmers; Improve the public finance system to provide support for rural financial development.
【學(xué)位授予單位】：甘肅農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.43

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