【摘要】： 農(nóng)村人多地少、經(jīng)濟(jì)發(fā)展水平總體比較低是我國(guó)的基本國(guó)情。中國(guó)是一個(gè)農(nóng)業(yè)大國(guó),農(nóng)村人口占的比重比較大,農(nóng)村經(jīng)濟(jì)的發(fā)展?fàn)顩r關(guān)系著整個(gè)中國(guó)的經(jīng)濟(jì)發(fā)展?fàn)顩r,在新世紀(jì),中國(guó)經(jīng)濟(jì)的發(fā)展日新月異,但是農(nóng)村經(jīng)濟(jì)卻發(fā)展非常緩慢,這種狀況己成為中國(guó)經(jīng)濟(jì)飛速發(fā)展的障礙,因此,加快農(nóng)村經(jīng)濟(jì)的發(fā)展已成為當(dāng)今社會(huì)迫在眉睫的問題,而制約農(nóng)村經(jīng)濟(jì)發(fā)展最重要的因素就是農(nóng)村金融的供給瓶頸。 論文綜合運(yùn)用發(fā)展經(jīng)濟(jì)學(xué)、金融發(fā)展理論,在對(duì)金融發(fā)展理論與經(jīng)濟(jì)增長(zhǎng)理論進(jìn)行簡(jiǎn)單分析的基礎(chǔ)上,對(duì)我國(guó)農(nóng)村金融發(fā)展從規(guī)模、結(jié)構(gòu)與效率三個(gè)方面與農(nóng)村經(jīng)濟(jì)發(fā)展的關(guān)系進(jìn)行了分析,并在計(jì)量經(jīng)濟(jì)學(xué)的基礎(chǔ)上建立了一個(gè)包含農(nóng)村金融發(fā)展規(guī)模、結(jié)構(gòu)、效率三個(gè)方面的綜合指標(biāo)體系,用來(lái)衡量我國(guó)農(nóng)村金融發(fā)展水平。這些指標(biāo)數(shù)據(jù)的選取從1983年—2007年,時(shí)間跨度比較大,能夠比較全面的放映我國(guó)農(nóng)村金融發(fā)展的狀況。本文首先這些指標(biāo)數(shù)據(jù)的平穩(wěn)性進(jìn)行了單位根檢驗(yàn),結(jié)果顯示這些指標(biāo)的時(shí)間序列是二階單整,并進(jìn)行了協(xié)整檢驗(yàn),這些指標(biāo)數(shù)據(jù)之間存在著長(zhǎng)期的協(xié)整關(guān)系。然后運(yùn)用格蘭杰因果關(guān)系進(jìn)行了檢驗(yàn),結(jié)果顯示:我國(guó)農(nóng)村金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)存在一定的長(zhǎng)期均衡關(guān)系,農(nóng)村經(jīng)濟(jì)增長(zhǎng)是農(nóng)村金融發(fā)展的原因,農(nóng)村經(jīng)濟(jì)增長(zhǎng)帶動(dòng)了農(nóng)村的金融發(fā)展,但農(nóng)村經(jīng)濟(jì)增長(zhǎng)與農(nóng)村金融發(fā)展并不是同步發(fā)展起來(lái)的,農(nóng)村金融發(fā)展嚴(yán)重滯后于農(nóng)村經(jīng)濟(jì)增長(zhǎng),農(nóng)村金融的供給遠(yuǎn)遠(yuǎn)小于農(nóng)村經(jīng)濟(jì)發(fā)展的需求。最后得出如下的結(jié)論:目前我國(guó)農(nóng)村金融規(guī)模需在機(jī)構(gòu)的數(shù)量和金融資產(chǎn)的總量上增加,要鼓勵(lì)農(nóng)村正規(guī)金融和非正規(guī)金融的發(fā)展;農(nóng)村金融結(jié)構(gòu)有待于進(jìn)一步優(yōu)化,建立健全農(nóng)村金融體制機(jī)制;農(nóng)村金融效率對(duì)農(nóng)村經(jīng)濟(jì)增長(zhǎng)的影響力度急需提高,加快儲(chǔ)蓄向投資的轉(zhuǎn)化。最后對(duì)加快我國(guó)農(nóng)村金融的快速發(fā)展,創(chuàng)造良好的金融生態(tài)環(huán)境,從農(nóng)村金融的規(guī)模、結(jié)構(gòu)、和效率三方面提出了政策建議。
[Abstract]:The basic condition of our country is that rural people have more land and less land, and the level of economic development is generally low. China is a large agricultural country with a large proportion of the rural population. The development of the rural economy is related to the economic development of the whole country. In the new century, the economic development of China is changing with each passing day, but the rural economy is developing very slowly. This situation has become an obstacle to the rapid development of China's economy. Therefore, speeding up the development of rural economy has become an urgent social problem, and the most important factor restricting the development of rural economy is the supply bottleneck of rural finance. Based on the analysis of the theory of financial development and the theory of economic growth, the paper synthetically applies the theory of development economics and the theory of financial development to the scale of the development of rural finance in China. The relationship between structure and efficiency and rural economic development is analyzed, and a comprehensive index system including the scale, structure and efficiency of rural financial development is established on the basis of econometrics. Used to measure the level of rural financial development in China. The selection of these index data from 1983 to 2007, the time span is relatively large, can more comprehensive projection of the situation of rural financial development in China. In this paper, the stationarity of these index data is tested by unit root test. The results show that the time series of these indexes are second order single integral, and cointegration test is carried out, and there is a long-term cointegration relationship between these index data. Then Granger causality is used to test. The results show that there is a long-term equilibrium relationship between rural financial development and economic growth, and rural economic growth is the reason of rural financial development. The rural economic growth has driven the rural financial development, but the rural economic growth and the rural financial development have not developed synchronously, the rural financial development has lagged behind the rural economic growth seriously. The supply of rural finance is far less than the demand of rural economic development. Finally, the following conclusions are drawn: at present, the scale of rural finance in China needs to increase in the number of institutions and the total amount of financial assets, to encourage the development of rural formal and informal finance, the rural financial structure needs to be further optimized. It is urgent to improve the influence of rural financial efficiency on rural economic growth and accelerate the transformation from savings to investment. Finally, the paper puts forward some policy suggestions on speeding up the rapid development of rural finance in China and creating a good financial ecological environment from the aspects of scale, structure and efficiency of rural finance.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2009
【分類號(hào)】：F832.35;F323.8

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前5條

1 劉洋;山東省農(nóng)村金融發(fā)展對(duì)經(jīng)濟(jì)增長(zhǎng)影響的研究[D];天津財(cái)經(jīng)大學(xué);2011年

2 劉沂;濟(jì)南市金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)關(guān)系研究[D];山東大學(xué);2011年

3 王蓉;后農(nóng)業(yè)稅時(shí)代區(qū)域農(nóng)地金融發(fā)展研究[D];甘肅農(nóng)業(yè)大學(xué);2012年

4 徐文成;農(nóng)村金融發(fā)展對(duì)農(nóng)業(yè)經(jīng)濟(jì)增長(zhǎng)和農(nóng)民增收影響的實(shí)證研究[D];吉林農(nóng)業(yè)大學(xué);2012年

5 賈風(fēng)雷;河北農(nóng)村金融發(fā)展與農(nóng)村經(jīng)濟(jì)增長(zhǎng)相關(guān)性實(shí)證研究[D];中南林業(yè)科技大學(xué);2012年

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本文編號(hào)：2195358