本文選題：天津市 + 農村金融��； 參考：《天津工業(yè)大學》2017年碩士論文

【摘要】：在經濟發(fā)展"新常態(tài)"下,拉動經濟增長的"三架馬車"中投資和出口的動力雙雙減弱,而消費貢獻率大幅度躍升,充分發(fā)揮經濟增長穩(wěn)定器的作用。我國農村人口眾多,其消費份額卻為數(shù)不多。在城市消費趨近飽和的情況下,開拓農村消費市場刻不容緩,而金融發(fā)展在影響居民消費方面扮演著重要角色。隨著京津冀一體化進程加快,天津農村居民消費水平有了較大提升,消費支出結構也發(fā)生了相應變化。從金融角度研究天津市農村居民消費,對于激活農村金融市場,提高居民收入水平,拉動農村消費,促進全市經濟增長具有重要的現(xiàn)實意義。本文首先對國內外學者對農村金融與農村消費的相關研究進行綜述,其次梳理回顧農村金融理論及消費理論,闡述農村居民消費對經濟增長的貢獻,進而剖析農村金融對居民消費的影響路徑,認為農村金融可通過提高農村收入水平、改變保守的消費思想、改善消費環(huán)境三種途徑來支持農村居民消費。在理論分析基礎上,立足于天津市農村,從金融規(guī)模、金融效率和金融結構三方面對其金融發(fā)展現(xiàn)狀進行分析,從消費總量、消費水平和消費結構三方面對其居民消費情況進行剖析。在此基礎上,選取1984-2014年數(shù)據指標,建立VAR模型,從金融規(guī)模和金融效率兩方面實證探究天津農村金融對居民消費水平及消費結構的影響。現(xiàn)狀分析和實證結論綜合表明,天津農村居民消費熱情高漲,農村消費市場正在崛起且潛力巨大,而與此同時,農村金融發(fā)展水平卻有待提升,金融規(guī)模不斷擴大但有一定滯后性,金融結構內存在支農不足問題,金融效率低下而對消費作用較為微弱。由此可見,目前天津市農村金融發(fā)展水平并不能與攀升的消費需求相匹配,對此本文從促進農村居民增收、發(fā)展消費信貸、優(yōu)化信貸管理制度、改善消費環(huán)境四個方面來提出政策建議。
[Abstract]:Under the "new normal" of economic development, the power of investment and export in the "three carriages" of economic growth has been weakened, and the contribution rate of consumption is greatly increased, and the role of economic growth stabilizer is fully played. China's rural population is large and its consumption share is not much. In the case of urban consumption reaching saturation, the rural consumption market is opened up. There is no delay in the field, and the financial development plays an important role in affecting the consumption of residents. With the acceleration of the integration process of Beijing, Tianjin and Hebei, the consumption level of rural residents in Tianjin has been greatly improved and the consumption expenditure structure has changed accordingly. From the financial point of view, the consumption of rural residents in the rural areas of Tianjin is studied, and the rural financial market will be activated to improve the population. The income level of the people, stimulating the rural consumption and promoting the economic growth of the city have important practical significance. Firstly, this article reviews the relevant research on rural finance and rural consumption by domestic and foreign scholars, and then reviews and reviews the rural financial theory and consumption theory, expounds the contribution of rural residents to the economic growth, and then analyzes the rural gold. On the basis of theoretical analysis, the rural finance can support rural residents' consumption by improving the rural income level, changing the conservative consumption thought and improving the consumption environment in three ways. Based on the theoretical analysis, it is based on the financial scale, financial efficiency and financial structure in the three aspects of the financial scale, financial efficiency and financial structure in Tianjin. The analysis is carried out from three aspects of total consumption, consumption level and consumption structure. On this basis, the 1984-2014 year data index is selected to establish VAR model, and the impact of Rural Finance on the consumption level and consumption structure of Tianjin is empirically explored from two aspects of financial scale and financial efficiency. The conclusion of the evidence shows that the consumption enthusiasm of rural residents in Tianjin is rising, the rural consumer market is rising and the potential is huge. At the same time, the level of rural financial development needs to be promoted, the financial scale is expanding but there is a certain lag. The financial structure is weak in the financial efficiency, and the effect of the financial efficiency is weak. It can be seen that the current level of rural financial development in Tianjin can not match the rising consumption demand. This paper proposes policy suggestions from four aspects: promoting rural residents' increasing income, developing consumer credit, optimizing credit management system and improving consumption environment.

【學位授予單位】：天津工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.35;F323.8

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本文編號：1775007