本文選題：農村金融發(fā)展 + 農民收入��； 參考：《西北農林科技大學》2017年碩士論文

【摘要】：近年來,農民收入問題成為關注焦點,農村金融發(fā)展是促進農民增收的重要工具,二者間的關系引起了學者的廣泛關注。但是,目前對于農村金融發(fā)展與農民收入關系的研究大多是基于國家層面的且多是基于正規(guī)農村金融角度,基于地方層面和非正規(guī)金融角度的文獻還較為少見�；诖�,本文選擇陜西省為研究區(qū)域,運用文獻研究法和實證分析法,從正規(guī)金融和非正規(guī)金融兩個角度研究其對農民收入的影響。首先閱讀大量文獻并對研究理論進行概述,包括對本文涉及到的農村金融以及農民收入等概念的界定和相關的農村金融以及農民收入理論的闡述;其次,通過搜集相關資料和實際調查,對陜西省農民收入情況和農村金融發(fā)展情況進行分析;再次,結合理論基礎以及國內外研究動態(tài),對本文提出相關理論假設,再對搜集的資料進行處理并選取指標,進而建立研究的指標體系;最后,在理論假設的基礎上,選擇并建立合適的計量經濟學模型,對陜西省農村金融發(fā)展與農民收入進行實證分析,得出結論并提出針對性建議。通過研究,得出主要結論如下:(1)正規(guī)農村金融方面:正規(guī)農村金融發(fā)展各變量與農民收入之間存在長期協(xié)整關系,長期來看,農村金融發(fā)展效率和發(fā)展結構、農業(yè)現(xiàn)代化水平、農村勞動力就業(yè)結構以及政府財政支農力度對農民收入具有正向促進作用,而農村金融發(fā)展規(guī)模、農村固定資產投資以及農業(yè)生產資料價格卻抑制著農民收入增長,總的來說,正規(guī)農村金融發(fā)展促進農民收入增長。正規(guī)農村金融發(fā)展與農民收入之間僅存在單向因果關系。(2)非正規(guī)農村金融方面:非正規(guī)農村金融發(fā)展各指標與農民收入存在長期均衡關系。非正規(guī)農村金融發(fā)展規(guī)模對農民收入存在抑制作用,而農村金融發(fā)展效率對農民收入有正向促進作用,農戶投資比例、政府財政支農比率和農村勞動力就業(yè)結構等控制指標均促進農民收入增長,而農業(yè)現(xiàn)代化水平卻阻礙農民收入提高,總的來看,非正規(guī)農村金融發(fā)展正向促進農民收入增加。非正規(guī)農村金融發(fā)展規(guī)模和效率均是農民收入的格蘭杰原因,但農民收入卻不是非正規(guī)農村金融發(fā)展的格蘭杰原因。(3)陜西省正規(guī)農村金融和非正規(guī)農村金融的發(fā)展對農民收入有不同的正向貢獻度,但是相比較而言非正規(guī)農村金融對農民收入的促進效應明顯大于正規(guī)農村金融。基于以上結果以及分析,為陜西省農村金融發(fā)展以及提高農民收入提出了完善陜西省正規(guī)農村金融體系,擴大農村金融貸款規(guī)模、促進非正規(guī)農村金融合法化,加大非正規(guī)農村金融貸款規(guī)模、加大政府支農力度、加強農村勞動力就業(yè)結構轉化的支持以及調整農村(戶)固定資產投資等對策建議。
[Abstract]:In recent years, the issue of farmers' income has become the focus of attention, rural financial development is an important tool to promote farmers' income, the relationship between the two has attracted extensive attention of scholars. However, most of the studies on the relationship between rural financial development and farmers' income are based on the national level and most of them are based on the formal rural financial perspective, and the literature based on the local level and informal financial perspective is still relatively rare. Based on this, this paper chooses Shaanxi Province as the research area, using literature research and empirical analysis to study the impact of formal finance and informal finance on farmers' income. First, reading a lot of literature and summarizing the research theory, including the definition of rural finance and farmers' income, and the related rural finance and farmers' income theory. Secondly, Through collecting relevant information and actual investigation, this paper analyzes the income of farmers and the development of rural finance in Shaanxi Province. Thirdly, combined with the theoretical basis and the domestic and foreign research trends, this paper puts forward the relevant theoretical assumptions. Finally, on the basis of theoretical assumptions, the author selects and establishes an appropriate econometric model, and then processes the collected data and selects the indicators, and then establishes the index system of the research, and finally, on the basis of theoretical assumptions, select and establish an appropriate econometric model. This paper makes an empirical analysis of rural financial development and farmers' income in Shaanxi Province, draws a conclusion and puts forward some suggestions. The main conclusions are as follows: formal rural finance: there is a long-term cointegration relationship between the variables of formal rural financial development and farmers' income. In the long run, the efficiency and structure of rural financial development, the level of agricultural modernization, The employment structure of rural labor force and the government's financial support for agriculture have a positive effect on farmers' income, while the scale of rural financial development, the investment of rural fixed assets and the price of agricultural means of production inhibit the growth of farmers' income. Formal rural financial development promotes the growth of farmers' income. There is only a one-way causal relationship between the formal rural financial development and farmers' income. (2) informal rural finance: there is a long-term equilibrium relationship between the indicators of informal rural financial development and farmers' income. The scale of informal rural financial development has a restraining effect on farmers' income, while the efficiency of rural financial development has a positive effect on farmers' income. The ratio of government financial support to agriculture and the employment structure of rural labor force all promote the increase of farmers' income, while the level of agricultural modernization hinders the improvement of farmers' income. In general, the development of informal rural finance is positive in promoting the increase of farmers' income. The scale and efficiency of informal rural financial development are the Granger reasons of farmers' income. However, farmers' income is not the Granger reason for the development of informal rural finance.) the development of formal rural finance and informal rural finance in Shaanxi Province has different positive contributions to farmers' income. However, the effect of informal rural finance on farmers' income is obviously greater than that of formal rural finance. Based on the above results and analysis, this paper proposes to improve the formal rural financial system of Shaanxi Province, expand the scale of rural financial loans, and promote the legalization of informal rural finance for the development of rural finance in Shaanxi Province and the improvement of farmers' income. To increase the scale of informal rural financial loans, to increase government support for agriculture, to strengthen the support of rural labor force employment structure transformation, and to adjust rural (household) fixed assets investment and other countermeasures.
【學位授予單位】：西北農林科技大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F323.8;F832.43

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