中国农村金融发展对农民收入的影响

发布时间：2018-01-26 14:30

本文关键词： 农民收入农村金融协整分析误差修正面板数据　出处：《西南政法大学》2013年硕士论文　论文类型：学位论文

【摘要】：“三农”问题一直是关系我国经济发展的核心问题之一。尤其最近几年，随着国家对“三农”重视程度的增强，在国家的综合力增长中，农民增收所存在的现实问题也被逐日重视。视线落实到广大的农村地区，农民收入与农村经济相互影响，相互作用。农村经济的发展会带来农民收入的增长，但农村经济若想获得持续性的发展又需要农村金融的鼎立支撑。现如今的农村地区的金融服务体系还远远不够完善，根本难以满足经济的基本需求，农民收入的增长因而被阻碍。如此一来，很现实的问题摆在了我们目前，即怎样通过深化金融来消除妨碍金融抑制以实现农民增收。本文通过总结和借鉴国内外学者对该问题的研究文献，提出了自己的研究方法和研究方向。文章详细阐述了相关的基础理论以及农村金融发展对农民收入影响的作用机理，结合我国当前发展现状，运用相关的历史数据进行了实证检验，并对得到的检验结果进行评价，希望可以为促进我国农民收入提出具有参考价值的对策和建议。本文实证部分，从时间序列和面板数据两个角度来研究我国农村金融发展对农民收入的影响。把农村金融发展的规模、结构和效率作为衡量农村金融发展水平的指标，把农村居民家庭人均纯收入作为衡量农民收入水平的指标。以此分析农村金融对农民增收做出的贡献和存在的不足，，并以此为依据提出促进农村金融发展的相关建议和对策。从全国来讲，本文采用协整分析的方法，并利用误差修正模型以及Granger因果关系检验，选取从1990到2011年的不同数据资料，对我国农村金融和农村增收之间的相互关系结合有关的指标进行实证分析。结果发现，农村金融发展与农民增收之间存在长期的均衡关系和短期的修正关系，农村金融发展对农民收入增加起到了促进作用。从省级角度来讲，主要采取了hausman检验对固定效应和随机效应进行选择。发现对中部地区来说，中部地区农村金融的规模对于农民收入的增长具有明显的显著的促进作用。而相反农村金融发展的结构和农村金融发展的效率对于农民收入的增长起到阻碍作用。最后根据实证结果提出建议：（1）大力遏制农村资金外流的现象。（2）发挥正规农村金融的主导作用。（3）完善并发展农村非正规金融。（4）坚持市场化原则和商业化运作模式。（5）创新农村金融工具,将有限金融资源投入到农村二、三产业。
[Abstract]:The issue of "agriculture, countryside and farmers" has always been one of the core problems related to the economic development of our country. Especially in recent years, with the increase of the country's emphasis on "agriculture, countryside and farmers", the comprehensive strength of the country is growing. The problem of increasing farmers' income is paid more and more attention day by day. In the vast rural areas, the farmers' income and rural economy interact and interact. The development of rural economy will bring about the increase of farmers' income. However, if the rural economy wants to achieve sustainable development, it needs the support of rural finance. Nowadays, the financial service system in rural areas is far from perfect, and it is difficult to meet the basic needs of the economy. The growth of farmers' income is thus hindered. Thus, the real question lies in how to deepen the financial system to eliminate the financial constraints to achieve the increase in farmers' income. This paper summarizes and draws lessons from the domestic and foreign scholars on the issue of research literature. Put forward their own research methods and research direction. The article elaborated the relevant basic theory and the rural financial development to the farmer income influence mechanism, unifies our country present development present situation. This paper makes an empirical test with relevant historical data and evaluates the results obtained in the hope that the countermeasures and suggestions with reference value can be put forward for promoting the income of farmers in China. The empirical part of this paper from the time series and panel data to study the impact of rural financial development on farmers' income. Structure and efficiency as indicators to measure the level of rural financial development. Taking the per capita net income of rural households as an indicator to measure the level of farmers' income, this paper analyzes the contribution and shortcomings of rural finance to the increase of farmers' income. Based on this, the paper puts forward some suggestions and countermeasures to promote the development of rural finance. From the national point of view, this paper adopts the method of cointegration analysis, and uses the error correction model and Granger causality test. Selecting different data from 1990 to 2011, this paper makes an empirical analysis of the relationship between rural finance and rural income increase in China. The results show that the relationship between rural finance and rural income increase is related to the relationship between rural finance and rural income. There is a long-term equilibrium relationship and a short-term correction relationship between rural financial development and farmers' income increase. Rural financial development has played a role in promoting the increase of farmers' income. The hausman test was adopted to select the fixed effect and random effect. On the other hand, the structure of rural financial development and the efficiency of rural financial development hinder the growth of farmers' income. . Finally, according to the empirical results, the author puts forward some suggestions: (1) the phenomenon of curbing the outflow of rural capital vigorously. (2) giving play to the leading role of formal rural finance. (3) perfecting and developing rural informal finance. Adhere to the principle of marketization and commercial operation mode. 5) innovative rural financial instruments. Limited financial resources will be invested in the rural secondary and tertiary industries.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7;F323.8

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