本文選題：農(nóng)村金融發(fā)展　切入點：農(nóng)民收入　出處：《江蘇師范大學(xué)》2017年碩士論文

【摘要】：在中國新農(nóng)村建設(shè)逐步推進過程中,“三農(nóng)”問題依舊是我國政府和人民高度關(guān)注對象。中央一號文件連續(xù)14年聚焦“三農(nóng)”,于2017年明確指出要通過加快農(nóng)村金融創(chuàng)新等重大舉措來實現(xiàn)農(nóng)業(yè)增效、農(nóng)民增收、農(nóng)村增綠。文章研究的出發(fā)點與國家政策文件所傳達的信息相一致,即認為農(nóng)村金融也是影響農(nóng)民收入的因素之一。農(nóng)村居民收入問題具體表現(xiàn)在農(nóng)民收入規(guī)模和收入結(jié)構(gòu)兩個方面,而從農(nóng)村金融發(fā)展這一視角深入研究其如何影響農(nóng)村居民收入規(guī)模和收入結(jié)構(gòu)兩個層次,不僅在理論研究方面有所創(chuàng)新,而且對農(nóng)村金融改革和解決農(nóng)居民收入問題有著現(xiàn)實意義�；谝延修r(nóng)村金融相關(guān)理論,文章從規(guī)模、結(jié)構(gòu)和效率多角度度量了我國農(nóng)村金融發(fā)展,以此為視角,并以農(nóng)村居民收入規(guī)模和收入結(jié)構(gòu)為研究對象,就農(nóng)村金融對農(nóng)村居民收入的影響作用進行理論分析與實證檢驗。研究過程中,首先進行理論分析并提出了經(jīng)驗假說;其次,以生產(chǎn)函數(shù)模型為基礎(chǔ)研究框架,引入城鎮(zhèn)化率、財政支農(nóng)力度和農(nóng)村投資水平三個控制變量,并借助我國28個省(市)1994-2015年面板數(shù)據(jù)固定效應(yīng)模型進行了計量檢驗,得到的結(jié)果為:農(nóng)民收入整體規(guī)模和收入結(jié)構(gòu)中各來源收入均與農(nóng)村金融規(guī)模正相關(guān),與金融結(jié)構(gòu)和效率負相關(guān),即農(nóng)村金融發(fā)展規(guī)模有利于提高農(nóng)民整體收入水平及各來源收入,金融發(fā)展結(jié)構(gòu)和效率對農(nóng)民整體收入及各來源收入的增加則產(chǎn)生了抑制效應(yīng)。最后,基于研究結(jié)論,文章從規(guī)模、結(jié)構(gòu)與效率三者出發(fā),為進一步深化農(nóng)村金融改革,解決農(nóng)村居民收入問題提出了政策性建議,即認為應(yīng)當(dāng)適度擴大農(nóng)村金融規(guī)模,完善農(nóng)村金融發(fā)展結(jié)構(gòu),同時繼續(xù)提高農(nóng)村金融發(fā)展效率,阻止農(nóng)村資金外流,使其更好地為“三農(nóng)”而服務(wù)。
[Abstract]:In the process of the construction of the new countryside in China, the issue of "agriculture, countryside and farmers" is still highly concerned by the government and the people. The first document of the Central Committee focused on "agriculture, countryside and farmers" for 14 consecutive years, and pointed out clearly in 2017 that it is necessary to speed up the rural finance. Innovation and other major initiatives to achieve agricultural efficiency, The starting point of this paper is consistent with the message conveyed in the national policy document. That is, rural finance is also one of the factors affecting farmers' income. The problem of rural residents' income is manifested in two aspects: the scale of farmers' income and the income structure. From the perspective of rural financial development, how to influence the income scale and income structure of rural residents is studied in depth, which is not only innovative in theoretical research. Based on the existing theories of rural finance, the paper measures the development of rural finance from scale, structure and efficiency. Taking the income scale and income structure of rural residents as the research object, the paper makes theoretical analysis and empirical test on the effect of rural finance on rural residents' income. Based on the production function model, this paper introduces three control variables, urbanization rate, financial support for agriculture and the level of rural investment, and carries out an econometric test by using the fixed effect model of panel data from 28 provinces (cities) in China from 1994 to 2015. The results are as follows: the total scale of farmers' income and the income from all sources in the income structure are all positively correlated with the scale of rural finance, and negatively correlated with the financial structure and efficiency. That is, the scale of rural financial development is beneficial to the improvement of farmers' overall income level and income from various sources, while the structure and efficiency of financial development have a restraining effect on the increase of farmers' overall income and income from various sources. Starting from the three aspects of scale, structure and efficiency, this paper puts forward some policy suggestions for further deepening the rural financial reform and solving the problem of rural residents' income, that is, we should appropriately expand the scale of rural finance and perfect the structure of rural financial development. At the same time, we should continue to improve the efficiency of rural financial development, stop the outflow of rural funds, and make them better serve the "three rural areas".
【學(xué)位授予單位】：江蘇師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F323.8;F832.4

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