吉林省农村金融排斥问题研究

发布时间：2018-01-10 21:12

本文关键词：吉林省农村金融排斥问题研究　出处：《吉林农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：十八大报告中提出要推动城乡发展一体化,解决好农业农村农民问题是全党工作重中之重,城乡发展一体化是解决“三农”问题的根本途径。经济发展三要素是土地、资本和劳动,资金在农村经济发展中属于极度稀缺要素。要解决“三农”问题,必须要有一套合理、高效、健康运行的农村金融体系,来为农村经济发展提供充足的资金支持。2013年中央一号文件提出要加强国家对农村金融改革发展的扶持和引导,切实加大商业性金融支农力度,改善农村金融服务。因此解决好农村金融问题,是破解“三农”问题的关键。金融排斥理论是20世纪90年代发展起来的金融理论。本文在对吉林省农村金融排斥现状进行系统分析的基础上,运用金融排斥理论当中经典的六维度分析范式,结合灰色系统理论中的灰色聚类分析法、灰色关联分析法,对吉林省农村金融排斥情况进行系统的定量分析,探寻吉林省农村金融排斥的程度及其影响因素,并提出针对性的政策建议。本文研究内容分成以下五个章节。第一章导论部分。阐述本文的研究背景、研究意义、研究方法,对国内外相关文献进行系统的综述,界定研究范围和相关概念,介绍研究框架及创新点。第二章是吉林省农村金融排斥现状分析部分。依据金融排斥理论,从地理排斥、评估排斥、条件排斥、价格排斥、营销排斥和自我排斥六方面对吉林省农村金融排斥的现状进行了详尽的论述。第三章是吉林省农村金融排斥地域差异分析。在构建农村金融排斥指标体系的基础上,利用灰色关联聚类建立更科学的农村金融衡量指标体系,利用聚类分析法对吉林省39个样本县进行聚类分析。构建农村金融排斥指数,分析吉林省农村金融排斥的地域特点。第四章吉林省农村金融排斥影响因素的实证分析。运用Pearson相关系数法、方差分析、回归分析,对吉林省农村金融排斥影响因素进行定量测度。第五章研究结论及建议措施部分。在前文对吉林省农村金融排斥现状研究,对吉林省农村金融排斥影响因素的实证研究的基础上,给出了缓解吉林省农村金融排斥的建议。
[Abstract]:In the report of the 18 National Congress, it is proposed to promote the integration of urban and rural development, and to solve the problem of agricultural rural farmers is the top priority of the whole Party's work. The integration of urban and rural development is the fundamental way to solve the problem of agriculture, rural areas and farmers. The three elements of economic development are land, capital and labor, and capital is extremely scarce in the development of rural economy. There must be a reasonable, efficient and healthy rural financial system. To provide adequate financial support for rural economic development. In 2013, the No. 1 document of the Central Committee proposed to strengthen the support and guidance of the state to the rural financial reform and development, and to effectively increase the strength of commercial financial support for agriculture. Therefore, to solve the problem of rural finance is the key to solve the problem of agriculture, countryside and farmers. The theory of financial exclusion is a financial theory developed in 1990s. This paper makes a systematic analysis of the current situation of rural financial exclusion in Jilin Province. Using the classical six-dimension analysis paradigm in the theory of financial exclusion, combining the grey cluster analysis and grey relational analysis in the grey system theory, this paper makes a systematic quantitative analysis of the rural financial exclusion in Jilin Province. This paper explores the extent of rural financial exclusion in Jilin Province and its influencing factors, and puts forward targeted policy recommendations. The research content of this paper is divided into the following five chapters. The first chapter introduces the research background, research significance, research methods, a systematic review of the relevant literature at home and abroad, the definition of research scope and related concepts, the introduction of the research framework and innovative points. The second chapter is the analysis of the current situation of rural financial exclusion in Jilin Province. According to the theory of financial exclusion, from the geographical exclusion, evaluation exclusion, conditional exclusion, price exclusion. Marketing exclusion and self-exclusion six aspects of Jilin Province rural financial exclusion of the current situation is discussed in detail. The third chapter is the analysis of regional differences of rural financial exclusion in Jilin Province. On the basis of constructing the index system of rural financial exclusion, a more scientific index system of rural financial exclusion is established by using grey correlation clustering. Cluster analysis was used to analyze 39 sample counties in Jilin Province. The index of rural financial exclusion was constructed and the regional characteristics of rural financial exclusion in Jilin province were analyzed. The empirical analysis of rural financial exclusion factors in Jilin Province in 4th chapter, using Pearson correlation coefficient method, variance analysis, regression analysis, quantitative measurement of rural financial exclusion factors in Jilin Province. On the basis of the previous research on the current situation of rural financial exclusion in Jilin Province and the empirical study on the influencing factors of rural financial exclusion in Jilin Province. Some suggestions are given to alleviate the rural financial exclusion in Jilin Province.
【学位授予单位】：吉林农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7

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