新疆金融反贫困效应研究

发布时间：2018-04-02 11:03

本文选题：贫困　切入点：金融反贫困　出处：《石河子大学》2013年硕士论文

【摘要】：在我国经济发展的格局中，贫困一直是制约一个国家或地区经济增长和社会稳定的主要因素。与贫困相对应的是反贫困，在全面建设小康社会的政策方针指引下，开展反贫困工作已成为政府考虑的重点。近年来，我国金融改革呈现突破态势，以金融手段加快反贫困进程已经成为政府与民众的共识。那么，金融发展促进贫困减少的内部作用机制是怎样的？金融发展在多大程度上能有效地减少贫困？这两个问题的有效解决也许可为各国的政策制定者提供一条脱贫致富的新路子。目前贫困理论、反贫困理论、金融理论及金融反贫困理论表明金融发展在促进经济增长方面发挥了巨大的作用，经济增长又会在一定程度上减少贫困。并且三者之间相互影响，相互制约，相互作用。然而要在贫困地区很好的开展反贫困工作是非常艰巨的任务。本论文采用的研究方法有实地调研法、文献检索与文献阅读法和统计分析法等研究方法。本文写作的目的在于从金融视角探析具有新疆特色的金融反贫困动态效益，帮助贫困人口脱贫，为新疆反贫困更深入的研究出份力。本文的写作将新疆27个国家级扶贫开发重点县和3个自治区扶贫开发重点县(以下简称重点县)农村地区的贫困人口作为突破口，从经济学角度测度金融发展对贫困减少的效应，对重点县展开了实地调查，并且利用面板数据模型评析金融手段在反贫困过程中直接和间接产生的效应。分析结果表明：金融发展对贫困减少直接影响：农户贷款余额和得到贷款的农户数这两个指标对农民人均纯收入有正的影响，但农户贷款在支持农民反贫困工作上发挥作用较大，而得到贷款的农户数量的多少相对来说作用较弱；金融发展对贫困减少间接影响：在横向上，，农业贷款额相对于小企业贷款在对贫困减少方面起到更显著的促进作用。纵向上，小企业贷款所带来的农村GDP的增加是不显著的。随后，本文对国内外金融反贫困实践进行了考察和借鉴。最后，针对全文的分析提出了实现新疆金融反贫困效应的若干政策建议。
[Abstract]:In the pattern of economic development in China, poverty has been the main factor restricting the economic growth and social stability of a country or region.The anti-poverty is corresponding to poverty. Under the guidance of the policy and policy of building a well-off society in an all-round way, the anti-poverty work has become the focus of the government's consideration.In recent years, the financial reform of our country presents a breakthrough situation, and it has become a consensus between the government and the public to speed up the process of anti-poverty by means of financial means.So what is the internal mechanism of financial development for poverty reduction?To what extent can financial development be effective in reducing poverty?An effective solution to these two problems may provide a new way out of poverty for national policymakers.At present, poverty theory, anti-poverty theory, financial theory and financial anti-poverty theory show that financial development plays a great role in promoting economic growth, and economic growth will reduce poverty to a certain extent.And the three interact with each other, restrict each other, and interact with each other.However, it is a very difficult task to carry out anti-poverty work well in poor areas.The research methods used in this paper include field investigation, literature retrieval, literature reading and statistical analysis.The purpose of this paper is to explore the dynamic benefits of financial anti-poverty with Xinjiang characteristics from the perspective of finance, to help the poor people out of poverty, and to contribute to a deeper study of anti-poverty in Xinjiang.In this paper, the poor population in the rural areas of the 27 national poverty alleviation and development key counties in Xinjiang and the three autonomous region key counties in poverty alleviation and development (hereinafter referred to as the key counties) are taken as the breakthrough points.This paper measures the effect of financial development on poverty reduction from the angle of economics, conducts field investigation on key counties, and evaluates the direct and indirect effects of financial means in the process of anti-poverty by using panel data model.The results show that: financial development has a direct impact on poverty reduction: the balance of farmers' loans and the number of farmers receiving loans have a positive impact on the per capita net income of farmers.However, farmers' loans play a more important role in supporting farmers' anti-poverty work, while the number of farmers receiving loans is relatively weak; the indirect impact of financial development on poverty reduction: horizontally,Agricultural loans play a more significant role in reducing poverty than small-business loans.Vertically, the increase in rural GDP caused by small business loans is not significant.Then, this paper investigates and draws lessons from the financial anti-poverty practice at home and abroad.Finally, some policy suggestions to realize the financial anti-poverty effect in Xinjiang are put forward.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F224;F832.7;F323.8

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