本文選題：非正規(guī)金融 + 正規(guī)金融��； 參考：《上海海洋大學(xué)》2015年碩士論文

【摘要】：非正規(guī)金融目前在發(fā)達(dá)國家也存在,而不僅僅在發(fā)展中國家和地區(qū)普遍存在。農(nóng)村的主要產(chǎn)業(yè)結(jié)構(gòu)在20世紀(jì)80年代以來有了重大調(diào)整,比如說個(gè)體和私營企業(yè)規(guī)模逐漸壯大;第二、第三產(chǎn)業(yè)的投入比重有明顯的提升;對(duì)農(nóng)業(yè)方面的投資和高科技的引用也在不斷提高,并且嚴(yán)格要求資金融入的方式方法、規(guī)模大小和操作過程。農(nóng)村經(jīng)濟(jì)的增長至始至終都缺少不了農(nóng)村金融的支持,包括非正規(guī)金融。非正規(guī)金融目前在經(jīng)濟(jì)社會(huì)中大范圍存在,對(duì)經(jīng)濟(jì)社會(huì)的發(fā)展有著巨大的影響,特別是對(duì)農(nóng)村經(jīng)濟(jì)的增長,占據(jù)著非常重要的角色。不管是研究金融發(fā)展和經(jīng)濟(jì)增長之間的關(guān)系,還是研究微觀層面和宏觀層面方向的關(guān)系,這兩方面的研究都十分具有意義,因?yàn)楫?dāng)前的農(nóng)村金融在不斷的改革,且在不斷的深化。為了更好的完善當(dāng)前的金融體系,以及發(fā)展金融市場,必須清楚了解非正規(guī)金融,并且知道非正規(guī)金融與農(nóng)村經(jīng)濟(jì)增長之間的關(guān)系,這樣才能讓非正規(guī)金融更好的服務(wù)于“三農(nóng)”。毋庸置疑,我國經(jīng)濟(jì)結(jié)構(gòu)具有二元性,使得金融也具有一定的二元特性,特別是在目前我國的金融市場化程度不高、金融體系欠缺健全、農(nóng)村資金短缺的情況下,如果只有正規(guī)金融,根本無法滿足農(nóng)村經(jīng)濟(jì)發(fā)展的需求,再加上政府實(shí)施一些金融抑制政策,都促進(jìn)了非正規(guī)金融的產(chǎn)生以及為非正規(guī)金融的發(fā)展埋下了伏筆。非正規(guī)金融是相對(duì)于正規(guī)金融而言的,雖然它是存在于政策體制之外的金融體系,它的發(fā)展存在眾多弊端,甚至?xí)?jīng)常影響到國家的宏觀調(diào)控及政策的制定。但是,只要非正規(guī)金融對(duì)經(jīng)濟(jì)發(fā)展有促進(jìn)作用,能影響到經(jīng)濟(jì)的良性發(fā)展,那就不能忽略非正規(guī)金融的存在。本文基于相關(guān)理論基礎(chǔ),包括金融發(fā)展理論、農(nóng)村金融發(fā)展理論、經(jīng)濟(jì)發(fā)展理論,闡述了非正規(guī)金融的定義、目前存在的形式以及產(chǎn)生的理論依據(jù),并對(duì)非正規(guī)金融如何促進(jìn)農(nóng)村經(jīng)濟(jì)增長的作用進(jìn)行了分析;利用正規(guī)金融的統(tǒng)計(jì)數(shù)據(jù)指標(biāo)和非正規(guī)金融的非統(tǒng)計(jì)指標(biāo)數(shù)據(jù),并使用Eviews計(jì)量軟件進(jìn)行了實(shí)證分析,實(shí)證分析的結(jié)果是非正規(guī)金融與農(nóng)村經(jīng)濟(jì)增長存在長期穩(wěn)定的均衡關(guān)系,且這種關(guān)系是一個(gè)單向的因果關(guān)系,即非正規(guī)金融單方面的促進(jìn)了農(nóng)村經(jīng)濟(jì)的增長,另一方面,農(nóng)村經(jīng)濟(jì)增長對(duì)非正規(guī)金融的發(fā)展卻沒有很大的相關(guān)性;最后根據(jù)實(shí)證分析的結(jié)果,并結(jié)合非正規(guī)金融自身的優(yōu)點(diǎn)和缺點(diǎn),提出了相關(guān)非正規(guī)金融發(fā)展的政策建議,包括為非正規(guī)金融提供法律制度保障、加強(qiáng)非正規(guī)金融的內(nèi)部控制和外部監(jiān)管、完善非正規(guī)金融和正規(guī)金融的補(bǔ)充以及吸收借鑒國外非正規(guī)金融的經(jīng)驗(yàn)等。
[Abstract]:Informal finance also exists in developed countries, not in developing countries and regions. The main industrial structure in rural areas has been greatly adjusted since 1980s, for example, the scale of individual and private enterprises has grown gradually, second, the proportion of the tertiary industry has obviously increased. Investment in agriculture and the use of high technology are also increasing, and the way, scale and operation of capital integration are strictly required. Rural economic growth until the end of the lack of rural finance support, including informal finance. At present, informal finance exists on a large scale in economic society, which has a great influence on the development of economic society, especially on the growth of rural economy, which occupies a very important role. Whether it is to study the relationship between financial development and economic growth, or to study the relationship between micro-level and macro-level direction, these two aspects are of great significance, because the current rural finance is constantly reforming. And in constant deepening. In order to better improve the current financial system and develop financial markets, it is necessary to have a clear understanding of informal finance and the relationship between informal finance and rural economic growth. Only in this way can informal finance better serve the three rural areas. There is no doubt that the economic structure of our country has duality, which makes finance have certain dualistic characteristics, especially in the current situation where the degree of financial marketization is not high, the financial system is not sound, and the rural capital is short. If only formal finance can not meet the demand of rural economic development and the government implements some financial suppression policies, it will promote the emergence of informal finance and lay the groundwork for the development of informal finance. The informal finance is relative to the formal finance, although it exists in the financial system outside the policy system, its development has many disadvantages, even will often affect the national macro-control and policy formulation. However, as long as informal finance can promote economic development and affect the benign development of economy, the existence of informal finance can not be ignored. Based on the relevant theoretical basis, including financial development theory, rural financial development theory, economic development theory, this paper expounds the definition of informal finance, the existing forms and the theoretical basis for its production. It also analyzes the role of informal finance in promoting rural economic growth, makes use of the statistical data indicators of formal finance and non-statistical indicators of informal finance, and makes an empirical analysis by using Eviews econometric software. The result of empirical analysis is that informal finance and rural economic growth have a long-term stable equilibrium relationship, and this relationship is a one-way causality, that is, informal finance unilaterally promotes rural economic growth, on the other hand, Rural economic growth has no great relevance to the development of informal finance. Finally, according to the results of empirical analysis, combined with the advantages and disadvantages of informal finance, the paper puts forward some policy recommendations on the development of informal finance. It includes providing legal system guarantee for informal finance, strengthening the internal control and external supervision of informal finance, perfecting the supplement of informal finance and formal finance, and absorbing the experience of foreign informal finance.
【學(xué)位授予單位】：上海海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832;F320

【共引文獻(xiàn)】

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相關(guān)碩士學(xué)位論文 前9條

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本文編號(hào)：1958036