本文選題：信貸配給 + 貧困減緩　； 參考：《安徽工業(yè)大學(xué)》2017年碩士論文

【摘要】：改革開(kāi)放以來(lái),國(guó)家各級(jí)政府采用各種反貧困政策以緩解農(nóng)村地區(qū)貧困,并已取得舉世矚目的成績(jī)。但扶貧脫貧工作依然嚴(yán)峻,現(xiàn)已進(jìn)入攻堅(jiān)拔寨的關(guān)鍵沖刺期。農(nóng)村金融與農(nóng)業(yè)經(jīng)濟(jì)發(fā)展、社會(huì)主義新農(nóng)村建設(shè)乃至農(nóng)村扶貧減貧等各個(gè)方面都有著千絲萬(wàn)縷的關(guān)系。尤其是金融扶貧政策的實(shí)施對(duì)農(nóng)村地區(qū)貧困的緩解起著不可忽視的作用。而信貸配給作為農(nóng)村金融的關(guān)鍵核心要素,其也會(huì)對(duì)農(nóng)村地區(qū)貧困產(chǎn)生潛移默化的影響。本文以信貸配給為出發(fā)點(diǎn),分析其與農(nóng)村地區(qū)貧困的關(guān)系。與此同時(shí),運(yùn)用面板門(mén)檻模型和空間計(jì)量模型進(jìn)行實(shí)證分析,并就實(shí)證分析結(jié)果提出相關(guān)政策建議,將有助于提出力度更大、針對(duì)性更強(qiáng)、作用更為直接的扶貧減貧措施,做到精準(zhǔn)扶貧、精準(zhǔn)脫貧。本文研究的主要結(jié)論是:首先,在空間內(nèi)部,不同地區(qū)、不同經(jīng)濟(jì)發(fā)展水平下,農(nóng)業(yè)信貸配給的減貧效應(yīng)顯著不同;其次,在空間外部,我國(guó)農(nóng)村地區(qū)貧困存在顯著的空間相關(guān)性,農(nóng)業(yè)信貸配給程度與農(nóng)村地區(qū)貧困呈現(xiàn)顯著正相關(guān)關(guān)系,農(nóng)業(yè)信貸配給程度、政府經(jīng)濟(jì)行為、人力資本投資、產(chǎn)業(yè)結(jié)構(gòu)、農(nóng)業(yè)生產(chǎn)資料等方面的差異,是農(nóng)村地區(qū)貧困程度產(chǎn)生地區(qū)間差異的重要原因。研究結(jié)論啟示我們:第一,地區(qū)信貸支農(nóng)政策的制定應(yīng)充分考慮相鄰地區(qū)的農(nóng)村貧困程度及相關(guān)因素的影響,使本地區(qū)和周邊地區(qū)的政策施行發(fā)揮協(xié)同作用;第二,應(yīng)充分發(fā)揮地區(qū)農(nóng)村金融機(jī)構(gòu)的支農(nóng)作用,在加大信貸支持力度的同時(shí),更應(yīng)注重地區(qū)征信體系建設(shè),減少信息不對(duì)稱(chēng)程度,提高信貸支農(nóng)的效率;第三,應(yīng)動(dòng)態(tài)調(diào)整地方政府經(jīng)濟(jì)參與程度,增加人力資本投資,優(yōu)化產(chǎn)業(yè)結(jié)構(gòu),推動(dòng)農(nóng)業(yè)規(guī)�；同F(xiàn)代化生產(chǎn)進(jìn)程,為緩解農(nóng)村地區(qū)貧困創(chuàng)造有力的外部環(huán)境。最后,從規(guī)范信貸投向、金融產(chǎn)品與服務(wù)創(chuàng)新、政府助推農(nóng)村資產(chǎn)抵押等三個(gè)方面,提出差別化信貸減貧體系構(gòu)建的政策建議。
[Abstract]:Since the reform and opening up, governments at all levels have adopted various anti-poverty policies to alleviate poverty in rural areas, and have achieved remarkable results.But poverty relief work is still grim, has entered a critical sprint period.Rural finance is closely related to the development of agricultural economy, the construction of new socialist countryside and the poverty reduction in rural areas.Especially the implementation of financial poverty alleviation policy plays an important role in alleviating poverty in rural areas.As a key element of rural finance, credit rationing has a subtle impact on rural poverty.This paper analyzes the relationship between credit rationing and poverty in rural areas.At the same time, the use of panel threshold model and spatial measurement model for empirical analysis, and the results of the empirical analysis of relevant policy recommendations, will help to put forward stronger, more targeted, more direct poverty reduction measures.To achieve precision poverty alleviation, accurate poverty relief.The main conclusions of this paper are as follows: firstly, the effect of agricultural credit rationing on poverty reduction is significantly different within space, different regions and different levels of economic development; secondly, outside the space,There is a significant spatial correlation between poverty in rural areas, agricultural credit rationing degree and poverty in rural areas, agricultural credit rationing degree, government economic behavior, human capital investment, industrial structure.The difference in agricultural means of production is an important reason for the regional differences in poverty in rural areas.The conclusions suggest that: first, the formulation of regional credit policy to support agriculture should take full account of the degree of rural poverty in neighboring areas and the impact of relevant factors, so that the policy implementation in the region and surrounding areas play a synergistic role; second,We should give full play to the role of regional rural financial institutions in supporting agriculture, while increasing credit support, at the same time, we should pay more attention to the construction of regional credit information system, reduce the degree of information asymmetry, and improve the efficiency of credit support for agriculture; third,It is necessary to dynamically adjust the degree of economic participation of local governments, increase investment in human capital, optimize industrial structure, promote the process of large-scale and modernized agricultural production, and create a strong external environment for alleviating poverty in rural areas.Finally, the paper puts forward some policy suggestions on the construction of differential credit poverty reduction system from three aspects: standardizing credit investment, innovating financial products and services, and promoting rural asset mortgage by the government.
【學(xué)位授予單位】：安徽工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F323.8;F832.4

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