本文關鍵詞：安徽省農村金融發(fā)展對農民生活質量影響的實證研究　出處：《安徽農業(yè)大學》2016年碩士論文　論文類型：學位論文

  更多相關文章： 農村金融發(fā)展 農民生活質量 對比分析 統計與計量分析

【摘要】：安徽省是農業(yè)大省,“三農”問題是關系到省內經濟平穩(wěn)增長和社會和諧的基本問題。隨著全國農村金融改革的進程,安徽省努力完善金融支農體系,為推動“三農”發(fā)展提供了強勁助力。然“以人為本”是事物發(fā)展的核心與目的,不論是新農村建設提出的“生產發(fā)展、生活寬�！薄⑦�是美好鄉(xiāng)村規(guī)劃所要求的“鄉(xiāng)景秀美、環(huán)境宜居”,其實質內容皆可歸納成為提高農民生活質量的問題。因此,農村金融是否能真正起到支農作用,最終還是要看其對農民生活的改善力度。針對農村金融發(fā)展對農民生活質量的影響問題,本文主要按照以下思路展開具體研究:首先,回顧農村金融發(fā)展與農民生活質量相關理論,對二者的基本概念、基本內容進行適當界定;并從影響機理及影響途徑兩方面闡明農村金融發(fā)展對改善農民生活質量的積極作用;同時通過對安徽省農民生活質量現狀以及財政支農的不足進行分析,說明改善安徽省農民生活質量的必要性以及金融支持改善農民生活的重要意義。其次,借助統計年鑒及相關項目調研資料,對安徽省農村金融進行供給與需求層面的分析;同時從信貸配給的角度出發(fā),通過與全國其他30個省份的對比,來探討安徽省農村金融供給對農村金融需求的滿足程度;并結合安徽省農村金融供、需的真實情況,來明確安徽省農村金融支農不足的具體表現。再次,從實證出發(fā),以客觀視角,構建農村金融發(fā)展指標以及農民生活質量指標體系,運用因子分析法及計量分析法,著重研究安徽省農村金融與農民生活質量的關系以及金融支農的實際效果,結果表明:無論長期還是短期,安徽省農村金融規(guī)模的擴大均有助于農民生活質量的提高,但農村金融效率對農民生活質量的影響并不顯著,甚至起到了抑制作用;同時,與其他省份的對比分析表明:安徽省農村金融涉農貸款規(guī)模較小,相對的,農民生活質量也相對較差。最后,總結上述分析,以提高安徽省農民生活質量為目的,提出了加強農村金融對農業(yè)生產的支持力度,增加農村消費信貸供給,加大農村金融對農村基礎設施及環(huán)境建設的資金投入等方面的政策建議。另外,考慮到我國不同地區(qū)在經濟、文化、社會等多方面所呈現的明顯差異,僅僅研究安徽省的狀況太過于片面,結果說服力也不強。所以,在寫作過程中,本文通過對比分析的方法對部分內容進行細致研究,繼而方便進一步找出安徽省農村金融支農力量的薄弱之處,從而提出更具針對性的改善意見。
[Abstract]:Anhui province is a major agricultural province, the "three rural issues" is related to the steady growth in the economic and social harmony. With the basic problems of rural financial reform in Anhui province to improve the financial support system, provides a strong support to promote the development of "three agriculture". However, "people-oriented" is the core and purpose of the development of things whether it is the development of production, the new rural construction of the "well-off life", or a better rural planning requirements of "Xiang Jing beautiful, livable environment", in essence can be summarized as to improve the quality of life of farmers in rural financial problems. Therefore, whether it can really play a role in supporting agriculture, ultimately depends on its on the improvement of farmers' life force. Aiming at the problem of rural financial development impact on the quality of life of farmers, according to the following ideas: first, the specific research review of rural financial development and farmers Theory of life quality, the basic concepts of the two, the basic content is properly defined; and to clarify the positive effect of rural financial development to improve the quality of life of farmers from the two aspects of influence mechanism and the influence way; also we compare the quality of life of farmers in Anhui province and the status of financial support shortage analysis shows the necessity of improving the quality of farmers living in Anhui province and the significance of the financial support to improve the lives of farmers. Secondly, by means of statistics and related research projects, analysis of rural finance in Anhui province for the supply and demand level; at the same time, starting from the perspective of credit rationing, compared with the other 30 provinces, to investigate the satisfaction degree of the rural financial supply in Anhui on the demand of rural finance; combined with the Anhui province rural financial supply, the real situation of the rural finance supporting agriculture in Anhui province to clear out the deficiencies Body performance. Thirdly, from the empirical point, in an objective perspective, the construction of rural financial development index and the farmers' life quality index system, using factor analysis method and quantitative analysis method, focuses on the research of Anhui Province Rural Finance and farmers' quality of life and the relationship between the financial supporting actual effect, results show that: whether long-term or short-term, Anhui province the expansion of the scale of rural finance can help farmers to improve the quality of life, but the impact on the quality of life of farmers in rural financial efficiency is not significant, even to suppress; at the same time, compared with other provinces in Anhui Province showed that the rural finance agricultural loan scale is small, relatively, the quality of life of farmers is relatively poor at last. Summary, the above analysis, in order to improve the quality of life of farmers in Anhui province for the purpose, put forward to strengthen the rural financial support for agricultural production, increase rural consumer credit Increase the supply of rural infrastructure and environmental construction funds and other aspects of policy recommendations. In addition, taking into account the different regions of China in the economic, cultural, social and other significant differences in many aspects, the only study of the situation in Anhui province is too one-sided, the force is not strong. So, in in the process of writing, this method through analyzing the detailed study on the part of the contents, and then further to find out the weakness of convenient rural financial strength in Anhui Province, and put forward targeted improvements.

【學位授予單位】：安徽農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.35;F323.6

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