【摘要】：我國農(nóng)產(chǎn)品產(chǎn)量的高速增長并沒有帶動農(nóng)業(yè)經(jīng)濟的高速增長,農(nóng)村居民的收入和消費數(shù)據(jù)雖然都在持續(xù)增長,但是相比城市居民的收入和消費情況,則是相對下降。我國農(nóng)村經(jīng)濟發(fā)展的“瓶頸”是存在資金、資源問題,根源是資源無法在農(nóng)村得到有效配置,投入資源的利用率較低,而城鄉(xiāng)差距、改革阻力制約著農(nóng)村金融資源的合理配置。農(nóng)村金融資源配置的合理化對農(nóng)村金融發(fā)展以及農(nóng)村經(jīng)濟增長都存在明顯的推動作用,“發(fā)展現(xiàn)代農(nóng)業(yè)”和“改革”在三農(nóng)問題中占有突出位置�！叭r(nóng)”問題一直存在于社會現(xiàn)代發(fā)展中,如何解決好這一問題也是長久討論的焦點。金融資源是我國農(nóng)村經(jīng)濟的核心,在解決我國“三農(nóng)”問題中的作用不可替代。金融組織體系的基本功能是金融資源在時間和空間上的配置,農(nóng)村金融資源配置的合理化程度決定著農(nóng)村金融發(fā)展速度,需完善我國農(nóng)村的金融資源配置功能以促進農(nóng)村金融和經(jīng)濟的發(fā)展。本文以金融功能觀及效率論為基礎(chǔ),利用DEA-Tobit二階段模型對我國農(nóng)村金融資源配置效率進行理論和實證分析,了解我國農(nóng)村金融資源配置效率的問題并且分析其影響因素。通過HP濾波模型,將時間截面數(shù)據(jù)分解出趨勢成分和周期波動成分,縱向比較我國歷年農(nóng)村金融資源配置數(shù)據(jù),通過數(shù)據(jù)分析明確我國農(nóng)村金融資源配置現(xiàn)狀及趨勢,通過定性與定量分析農(nóng)村金融資源配置功能存在的問題,從我國農(nóng)村的資金配置、供需狀況、金融機構(gòu)、非正規(guī)金融以及互聯(lián)網(wǎng)金融等方面,深入分析農(nóng)村金融資源配置中現(xiàn)存的問題及引起問題的原因。將金融資源配置優(yōu)化模型運用到分析完善農(nóng)村金融資源配置的問題中,對比理論模型數(shù)據(jù)與現(xiàn)實數(shù)據(jù),對比可獲取金融數(shù)據(jù)的權(quán)重,分析結(jié)果。結(jié)合已有的農(nóng)村金融資源配置經(jīng)驗,借鑒已有的研究成果,提出農(nóng)村金融資源配置的改善建議。從配置體系、政策支持、機構(gòu)本身及監(jiān)管體制等方面,建議發(fā)展農(nóng)村金融資源配置的多層次多渠道化以提供有力的資金支持、金融支持;擴大政府政策支持廣度,繼續(xù)向三農(nóng)傾斜;以嚴格防范監(jiān)管為前提,適當(dāng)放寬市場準入門檻,促使非正規(guī)金融正規(guī)化;保證農(nóng)村金融活動有章可循,以法律形式明確農(nóng)村金融組織形式、農(nóng)村互聯(lián)網(wǎng)金融主體等方面問題,完善農(nóng)村金融資源配置功能。
[Abstract]:Although the data of rural residents' income and consumption continue to increase, compared with urban residents' income and consumption, it is relatively lower. The "bottleneck" of rural economic development in China is the existence of funds and resources, the root of which is that the resources cannot be effectively allocated in rural areas, and the utilization rate of input resources is low. However, the gap between urban and rural areas and the resistance to reform restrict the rational allocation of rural financial resources. The rationalization of the allocation of rural financial resources plays an important role in promoting rural financial development and rural economic growth, and "developing modern agriculture" and "reform" play a prominent role in the three rural issues. The problem of "agriculture, countryside and farmers" has always existed in the modern development of society, and how to solve this problem is also the focus of discussion for a long time. Financial resources are the core of our country's rural economy, and their role in solving the problems of agriculture, countryside and farmers is irreplaceable. The basic function of financial organization system is the allocation of financial resources in time and space. The rationalization of rural financial resources allocation determines the speed of rural financial development. In order to promote the development of rural finance and economy, it is necessary to perfect the allocation function of rural financial resources. Based on the view of financial function and the theory of efficiency, this paper makes a theoretical and empirical analysis of the allocation efficiency of rural financial resources in China by using DEA-Tobit two-stage model to understand the problems of the allocation efficiency of rural financial resources in China and analyze its influencing factors. Through the HP filter model, the time section data is decomposed into the trend component and the periodic fluctuation component, the longitudinal comparison of the rural financial resources allocation data of our country over the years, through the data analysis, the present situation and the trend of the rural financial resources allocation in our country are clarified. Through qualitative and quantitative analysis of the problems existing in the function of rural financial resources allocation, from the aspects of rural capital allocation, supply and demand situation, financial institutions, informal finance and Internet finance, etc. Deeply analyze the existing problems in the allocation of rural financial resources and the causes of the problems. The optimization model of financial resources allocation is applied to analyze and perfect the allocation of rural financial resources. The theoretical model data and the real data are compared, the weights of the financial data are compared and the results are analyzed. Based on the experience of rural financial resources allocation and the existing research results, the paper puts forward some suggestions to improve the allocation of rural financial resources. From the aspects of allocation system, policy support, institution itself and supervision system, it is suggested to develop multi-level and multi-channel allocation of rural financial resources in order to provide strong financial and financial support, expand the breadth of government policy support, Continue to tilt towards agriculture, rural areas and farmers; on the premise of strict supervision and control, appropriately relax the threshold of market access, promote the regularization of informal finance; ensure that rural financial activities are rule-based, and define the forms of rural financial organizations in the form of laws. Rural Internet financial subjects and other issues, improve the allocation of rural financial resources function.
【學(xué)位授予單位】：江南大學(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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本文編號：2219234