【摘要】：為實現(xiàn)我國農(nóng)村金融改革,首先要達(dá)到的重要目標(biāo)是提升農(nóng)村金融服務(wù)水平,不斷推進(jìn)農(nóng)村金融的全面覆蓋。近些年以來,人們越來越重視金融服務(wù)在促進(jìn)地區(qū)經(jīng)濟(jì)發(fā)展中起到的作用,尤其是對于發(fā)展中國家的農(nóng)村地區(qū)來說,金融服務(wù)對地區(qū)經(jīng)濟(jì)的促進(jìn)作用更是顯而易見的。國內(nèi)與國外的學(xué)者一直長期致力于對發(fā)展中國家農(nóng)村金融宏觀方向的研究并對金融服務(wù)水平的測算方法與影響因素進(jìn)行了探索,為利用金融政策來提高某一國家或地區(qū)的經(jīng)濟(jì)發(fā)展水平提供了重要的理論基礎(chǔ)。本文研究的主要內(nèi)容為首先在借鑒國內(nèi)外研究學(xué)者的成果上建立黑龍江省農(nóng)村金融服務(wù)水平評價體系,進(jìn)而應(yīng)用這一指標(biāo)體系對黑龍江省農(nóng)村金融服務(wù)的水平進(jìn)行了實際測評。為獲取黑龍江省農(nóng)村金融服務(wù)的總體概況,該部分從金融服務(wù)供給和需求方面選取具有代表性的指標(biāo)依據(jù)IFI指數(shù)分析法對黑龍江省67個縣(市)2015年的農(nóng)村金融服務(wù)水平進(jìn)行了實際測評,結(jié)果顯示:黑龍江農(nóng)村金融整體服務(wù)水平較低,僅有綏芬河等五個縣(市)處于較高水平,此外,本文對影響黑龍江省農(nóng)村金融服務(wù)水平質(zhì)量的多重因素進(jìn)行了研究和分析,并參考了國內(nèi)外關(guān)于影響金融服務(wù)水平因素的有關(guān)研究,提出了相關(guān)的假說,并利用面板數(shù)據(jù)模型予以實證檢驗。通過實證檢驗表明:在影響某一地區(qū)農(nóng)村金融服務(wù)水平的眾多因素中,該地區(qū)的經(jīng)濟(jì)的發(fā)展水平、醫(yī)療體系發(fā)展與保障水平、就業(yè)率、信息化技術(shù)水平與城鎮(zhèn)化水平都對其具有十分明顯的正相關(guān)作用。本次圍繞黑龍江省農(nóng)村金融服務(wù)水平的研究對黑龍江省的政策啟示為:提升黑龍江省農(nóng)村金融服務(wù)水平的關(guān)鍵在于加大農(nóng)村金融基礎(chǔ)設(shè)施建設(shè)的力度,努力提升信貸服務(wù)的能力,有效降低金融服務(wù)成本,創(chuàng)新發(fā)展農(nóng)村金融服務(wù)的模式等。
[Abstract]:In order to realize the reform of rural finance in China, the first important goal is to improve the level of rural financial services and to continuously promote the comprehensive coverage of rural finance. In recent years, more and more attention has been paid to the role of financial services in promoting regional economic development, especially in the rural areas of developing countries, the role of financial services in promoting regional economy is even more obvious. Scholars both at home and abroad have long been devoted to the study of the macro direction of rural finance in developing countries, and have explored the measuring methods and influencing factors of the level of financial services. It provides an important theoretical basis for the use of financial policy to improve the level of economic development of a country or region. The main content of this paper is to establish the evaluation system of rural financial service level in Heilongjiang Province based on the research results of domestic and foreign scholars, and then to evaluate the level of rural financial service in Heilongjiang Province by using this index system. In order to obtain the general situation of rural financial services in Heilongjiang Province, In this part, the representative indexes of financial service supply and demand are selected to evaluate the rural financial service level of 67 counties (cities) in Heilongjiang Province in 2015 according to IFI index analysis. The results show that the overall service level of rural finance in Heilongjiang is relatively low, and only five counties (cities) such as Suifenhe are at a higher level. In addition, this paper studies and analyzes the multiple factors that affect the quality of rural financial services in Heilongjiang Province. With reference to the domestic and foreign studies on the factors affecting the level of financial services, the hypothesis is put forward, and the panel data model is used to test it empirically. The empirical results show that among the many factors that affect the level of rural financial services in a certain area, the level of economic development, the level of development and protection of medical system, the employment rate, the level of development of the region's economy, the level of health care system, the level of employment, Information technology level and urbanization level have very obvious positive correlation to it. The policy implications of this study on the level of rural financial services in Heilongjiang Province are as follows: the key to improving the level of rural financial services in Heilongjiang Province lies in strengthening the construction of rural financial infrastructure. Efforts to improve the capacity of credit services, effectively reduce the cost of financial services, innovative development of rural financial services, and so on.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.35

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