我国农村金融服务水平及其经济福利效应研究

发布时间：2018-03-17 03:06

本文选题：农村金融服务水平　切入点：经济福利　出处：《华中农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：金融发展与经济增长之间的正向互促关系已被国内外众多的实践所证实,但金融发展的经济福利效应问题尚存在若干争议,其原因在于忽略了金融服务水平这一维度。作为衡量金融发展的一个重要指标,金融服务水平的提升在促进经济增长的同时,是否能促进微观个体的经济福利?尤其是,新一轮农村金融体制改革以来,我国农村金融服务的水平是否已经得到显著改善?是否增进了农村居民的经济福利?以上问题的回答可以在一定程度上折射出“农村金融新政”的政策效果。本文以金融发展理论为研究基石,提出了农村金融服务水平的提升可以促进农村居民经济福利的基本假说。文章的基本研究思路是：首先从理论上论证金融服务与经济福利的因果互动关系,然后选取我国2006年至2010年的省级面板数据进行了实证检验。为进一步说明金融服务促进经济福利的直观效果,本文以湖北洪湖为例,进行了典型案例分析。全文的基本研究内容与结论如下：金融服务与经济福利之间的影响机制。本文首先对金融服务与经济福利之间的关系进行了理论层面的探索。通过对相关文献的综述,选取了可测的农村居民经济福利指标,借鉴金融发展与经济增长的影响路径分析范式,解析了农村金融服务与经济福利之间的关系,认为两者之间存在互动影响机制。测算2006年至2010年我国农村金融服务水平。本文运用层次分析法(AHP)对我国农村金融服务水平进行测度,发现我国各省农村金融服务水平具有明显的地域差异,且整体上我国农村金融服务水平偏低,有待进一步提升。构建农村居民经济福利综合评价指数并进行实证检验。借鉴IFI的多维度指数构建方法,本文测算了我国农村居民2006年至2010年的经济福利水平；在此基础上,基于柏格森——萨缪尔森函数建立了动态面板数据模型,实证检验了农村金融服务对经济福利的影响,这也是本文研究的最终目的。结果表明：我国农村金融服务水平的提升对农村居民经济福利具有正向影响；农村金融服务中的网点设施建设情况、贷款服务和保险服务对农村居民经济福利有着正向影响。为展现金融服务与经济福利之间的直观关系,本文选取湖北洪湖进行了典型案例分析,该案例是对全文理论分析与实证检验的一个简单诠释与印证。基于上述研究,本文认为,我国农村金融改革的政策效果正在显现但有待加强；增加农村金融服务供给、提升整体农村金融服务水平是促进农村居民经济福利水平的重要途径。
[Abstract]:The positive relationship between financial development and economic growth has been confirmed by many practices at home and abroad, but there are still some controversies on the economic welfare effect of financial development. The reason lies in ignoring the dimension of financial service level. As an important index to measure financial development, the improvement of financial service level can promote the economic welfare of micro-individuals while promoting economic growth. In particular, since the new round of rural financial system reform, the level of rural financial services in China has been significantly improved? Has it improved the economic well-being of rural residents? The answer to the above question can reflect the policy effect of the New deal of Rural Finance to some extent. This article takes the financial development theory as the foundation stone, This paper puts forward the basic hypothesis that the improvement of rural financial service level can promote the economic welfare of rural residents. The basic research ideas of this paper are as follows: firstly, the causal interaction between financial services and economic welfare is demonstrated theoretically. Then the provincial panel data from 2006 to 2010 are selected for empirical test. In order to further illustrate the intuitive effect of financial services in promoting economic welfare, this paper takes Honghu Lake, Hubei Province, as an example. The basic research contents and conclusions are as follows:. The influence mechanism between financial services and economic welfare. Firstly, this paper explores the relationship between financial services and economic welfare theoretically. Through the review of relevant literature, the paper selects measurable indicators of economic welfare of rural residents. Based on the paradigm of influence path analysis of financial development and economic growth, this paper analyzes the relationship between rural financial services and economic welfare, and points out that there is an interactive influence mechanism between the two. From 2006 to 2010, this paper measures the level of rural financial services in China by using the Analytic hierarchy process (AHP), and finds that there are obvious regional differences in the level of rural financial services in various provinces in China. And the overall level of rural financial services in China is low, to be further improved. To construct the comprehensive evaluation index of rural residents' economic welfare and carry on the empirical test. Using IFI's multi-dimensional index construction method, this paper estimates the economic welfare level of rural residents from 2006 to 2010, and on this basis, Based on Bergson-Samuelson function, a dynamic panel data model is established to test the impact of rural financial services on economic welfare. The results show that the improvement of rural financial service level has a positive impact on the economic welfare of rural residents. Loan services and insurance services have a positive impact on the economic welfare of rural residents. In order to show the intuitive relationship between financial services and economic welfare, this paper selects Honghu Lake in Hubei Province to carry out a typical case study, which is a simple interpretation and confirmation of the theoretical analysis and empirical test of the full text. This paper holds that the policy effect of rural financial reform in China is showing but needs to be strengthened, and that increasing the supply of rural financial services and raising the overall level of rural financial services are important ways to promote the economic welfare level of rural residents.
【学位授予单位】：华中农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7

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