本文關(guān)鍵詞： 農(nóng)村小額信貸 農(nóng)民收入 非線性 面板平滑轉(zhuǎn)換模型　出處：《湖南大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)村小額信用貸款起源于孟加拉、印度尼西亞等國(guó)，是以信用貸款方式發(fā)放給農(nóng)戶的金融信貸產(chǎn)品。小額信貸覆蓋面大、到戶率高、經(jīng)濟(jì)效益好、資金周轉(zhuǎn)快，是幫助廣大農(nóng)民獲得貸款的重要信貸模式，補(bǔ)充了農(nóng)村金融體系并促進(jìn)了農(nóng)村經(jīng)濟(jì)的發(fā)展。當(dāng)前，我國(guó)2000多個(gè)縣中基本所有的農(nóng)村信用社都開(kāi)辦了小額信貸業(yè)務(wù)，使得近2億農(nóng)戶獲得了小額貸款支持。那么農(nóng)村小額信用貸款的增加是否能增加農(nóng)民收入？它們之間有怎樣的作用機(jī)制？因此，厘清農(nóng)村小額信貸與農(nóng)民收入間的數(shù)量關(guān)系，無(wú)疑對(duì)更好地促進(jìn)農(nóng)民增收、完善農(nóng)村金融系統(tǒng)和發(fā)展農(nóng)村經(jīng)濟(jì)具有重要的理論價(jià)值與現(xiàn)實(shí)意義。 本文首先在緒論部分主要交代了本文研究的背景及意義，系統(tǒng)分類了國(guó)內(nèi)外相關(guān)文獻(xiàn)，簡(jiǎn)單論述了本文的研究思路、研究?jī)?nèi)容與框架以及本文創(chuàng)新點(diǎn)。然后在第2章的基礎(chǔ)理論部分對(duì)農(nóng)村金融發(fā)展與農(nóng)民收入增長(zhǎng)的相應(yīng)理論進(jìn)行了簡(jiǎn)單梳理。接下來(lái)在第3章闡述了農(nóng)村小額信貸和農(nóng)民收入的現(xiàn)實(shí)考察，在分別分析了兩者的現(xiàn)狀之后對(duì)農(nóng)村小額信貸影響農(nóng)民收入的機(jī)理進(jìn)行了簡(jiǎn)要分析。第4章為基于面板平滑轉(zhuǎn)換模型的農(nóng)村小額信貸對(duì)農(nóng)民收入影響的實(shí)證研究，且進(jìn)一步研究了這種影響的區(qū)域差異。最后一部分為結(jié)論，，主要總結(jié)了本文實(shí)證部分的主要結(jié)論并提出了相應(yīng)的政策建議。 本文從非線性角度出發(fā)，采用我國(guó)2002-2009年的面板數(shù)據(jù)并基于面板平滑轉(zhuǎn)換模型研究了農(nóng)民收入與農(nóng)村小額信貸的關(guān)系。研究發(fā)現(xiàn)：在樣本研究期內(nèi)，農(nóng)村小額信貸與農(nóng)民收入之間存在顯著的非線性關(guān)系，這種非線性關(guān)系由農(nóng)村經(jīng)濟(jì)規(guī)模決定，當(dāng)農(nóng)村經(jīng)濟(jì)規(guī)模較小時(shí)，農(nóng)村小額信貸給農(nóng)民帶來(lái)收入替代效應(yīng)，當(dāng)農(nóng)村經(jīng)濟(jì)越過(guò)一定規(guī)模時(shí)，小額信貸給農(nóng)民帶來(lái)收入效應(yīng)。進(jìn)一步的省區(qū)分析發(fā)現(xiàn)，各地區(qū)農(nóng)村居民收入對(duì)農(nóng)村小額信貸彈性系數(shù)存在差異，具體表現(xiàn)為東部和中部越過(guò)門檻的省市數(shù)相比于2002年均有大幅增加，但西部?jī)H四川和廣西越過(guò)門檻。因此，未越過(guò)門檻的西部省市應(yīng)加大經(jīng)濟(jì)發(fā)展步伐，帶動(dòng)農(nóng)村經(jīng)濟(jì)規(guī)模的壯大，促進(jìn)小額信貸增收效應(yīng)的進(jìn)一步加強(qiáng)。
[Abstract]:Rural micro-credit loans originated in Bangladesh, Indonesia and other countries. They are financial credit products issued to farmers in the form of credit loans. The microcredit coverage is large, the household rate is high, the economic benefits are good, and the flow of funds is fast. It is an important credit model that helps farmers obtain loans, complements the rural financial system and promotes the development of the rural economy. At present, almost all rural credit cooperatives in more than 2,000 counties in China have opened microfinance business. So that nearly 200 million farmers received microfinance support. So can the increase of rural micro-credit increase farmers' income? What is the mechanism between them? Therefore, it is of great theoretical value and practical significance to clarify the quantitative relationship between rural micro-credit and farmers' income to promote farmers' income increase, perfect rural financial system and develop rural economy. First of all, in the introduction part, the background and significance of this study are explained, and the relevant literature at home and abroad is systematically classified, and the research ideas of this paper are briefly discussed. The content and framework of the research and the innovation of this paper. Then in the second chapter of the basic theory part of the rural financial development and farmers' income growth of the corresponding theory is simply combed. Then in chapter 3 elaborated the rural microfinance. A realistic study of loans and Farmers' income, After analyzing the current situation of both, the paper briefly analyzes the mechanism of rural micro-credit influencing farmers' income. Chapter 4 is an empirical study on the impact of rural micro-credit on farmers' income based on the panel smoothing transformation model. The last part is the conclusion, which summarizes the main conclusions of the empirical part of this paper and puts forward the corresponding policy recommendations. Based on the panel data from 2002 to 2009 in China and the panel smooth transformation model, this paper studies the relationship between farmers' income and rural microcredit from the perspective of nonlinearity. There is a significant nonlinear relationship between rural micro-credit and farmers' income, which is determined by the scale of rural economy. When the scale of rural economy is small, rural micro-credit brings the income substitution effect to farmers. When the rural economy exceeds a certain scale, the micro-credit brings the income effect to the farmer. The further analysis of the province and district finds that there are differences in the coefficient of elasticity of rural residents' income to the rural micro-credit. In particular, the number of provinces and cities crossing the threshold in the eastern and central regions has increased substantially compared with 2002, but only Sichuan and Guangxi have crossed the threshold in the west. Therefore, the provinces and cities in the west that have not crossed the threshold should increase the pace of economic development. Drive the scale of rural economy to expand, promote the effect of increasing the income of micro-credit to further strengthen.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43;F323.8

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