山东省农村金融发展对农民收入增长的影响研究

发布时间：2018-03-24 21:10

本文选题：农民收入增长　切入点：农村金融发展　出处：《山东理工大学》2013年硕士论文

【摘要】：‘三农”问题是目前国家工作的重点,农民收入的稳定增长对农村经济的发展、农村社会的稳定具有积极的意义。农村金融作为农业发展的支持部门,对农民收入的增长起到极其重要的作用,农民收入的增长离不开农村金融的支持。改革开放以来,农村金融改革取得了一定成就,但仍然存在支农效率不高、.结构不合理、资金外流现象严重等一系列问题,制约了农村的发展。山东省作为我国农业大省,农民收入虽呈现稳定增长的趋势,但仍存在城乡收入差距过大等问题,制约了农民生产的积极性,不利于山东农村经济的发展。因此,研究山东省农村金融发展对农民收入的影响,对促进农民收入增长具有重要的意义。本文基于1991-2010年间统计数据,结合山东省农民收入现状与农村金融发展现状,选取农村金融规模、农村金融效率、农村金融结构及农村投资水平指标,运用实证分析,通过单位根检验、协整检验、格兰杰因果检验的方法,对农村金融对农民收入的影响进行分析,得出相关结论。山东省农村金融与农民收入具有长期的协整关系,从长期来看,农村金融发展效率与农民收入有正向作用关系,而农村金融发展规模、农村金融发展结构与农民收入有负向作用关系；从短期来看,农村金融发展的规模、农村金融发展的效率对农民收入有正向作用,农村金融发展的结构对农民收入具有反向作用；在影响农民收入增长的农村金融指标中,农村金融发展效率是主要的影响因素；农村金融发展效率是农民收入增长的单向格兰杰原因,农村金融发展结构、规模不是农民收入增长的格兰杰原因；最后,在实证结论的基础上,提出了发展农村金融、促进农民收入增长的政策建议：加大支农力度,完善金融服务体系,提高农村金融支农效率,建立良性资金回流机制,提升农村金融服务水平。
[Abstract]:The issue of "three rural areas" is the focus of national work at present. The steady growth of farmers' income is of positive significance to the development of rural economy and the stability of rural society. It plays an extremely important role in the growth of farmers' income. The increase of farmers' income cannot be separated from the support of rural finance. Since the reform and opening up, rural financial reform has made some achievements, but there is still a low efficiency in supporting agriculture, and the structure is unreasonable. A series of problems, such as serious capital outflow, have restricted the development of rural areas. As a large agricultural province in China, although the income of farmers in Shandong Province has shown a trend of steady growth, there are still problems such as excessive income gap between urban and rural areas. Therefore, it is important to study the influence of rural financial development on farmers' income in Shandong Province, and to promote the growth of farmers' income. This paper is based on the statistical data from 1991 to 2010. Combining the present situation of farmers' income and the development of rural finance in Shandong Province, this paper selects the scale of rural finance, the efficiency of rural finance, the structure of rural finance and the level of rural investment, applies the empirical analysis, passes the unit root test and cointegration test. The method of Granger causality test analyzes the impact of rural finance on farmers' income and draws the relevant conclusions. Shandong Province rural finance and farmers' income have a long-term co-integration relationship, in the long run, The efficiency of rural financial development has a positive relationship with farmers' income, while the scale of rural financial development, the structure of rural financial development and farmers' income play a negative role. The efficiency of rural financial development has a positive effect on farmers' income, the structure of rural financial development has a negative effect on farmers' income, and the efficiency of rural financial development is the main factor affecting the growth of farmers' income. Rural financial development efficiency is the one-way Granger reason of farmers' income growth, the structure of rural financial development, scale is not the Granger reason of farmers' income growth. Finally, on the basis of empirical conclusions, the paper puts forward the development of rural finance. The policy suggestions to promote the increase of farmers' income are to increase the support for agriculture, perfect the financial service system, improve the efficiency of rural financial support for agriculture, establish a good mechanism for the return of funds, and improve the level of rural financial services.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35;F323.8

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