西部地区农村金融市场效率评价研究

发布时间：2018-06-28 08:10

本文选题：农村金融市场效率 + 新型农村金融机构　；参考：《西北农林科技大学》2013年硕士论文

【摘要】：2006年银监会调整放宽农村地区银行业金融机构市场准入条件以来，经过6年的探索实践，村镇银行、小额贷款公司、资金互助社等新型农村金融机构得到快速发展，其中，中西部地区的新型农村金融机构数量占到了全国的60%。新型农村金融机构的设立，进一步释放了西部地区民间资本的活力，对构建多主体、竞争充分、产权多元的农村金融体系起到了积极的推动作用。西部农村金融市场开放后，农村金融市场整体资金供给能力有所提高，但仍较薄弱，需要进一步提高开放度和市场效率，进一步完善农村金融资源配置功能，进而促进全国农村金融市场的均衡发展。处于欠发达地区的陕西、宁夏，是新型农村金融机构较早引入的省份，陕西、宁夏的农村金融市场正处于由传统的农村金融格局到加速市场化的过渡时期，以陕西、宁夏两省（区）新型农村金融机构引入县的金融市场效率为研究对象，对市场准入政策的制定和执行、农村金融市场开放的继续推进、金融机构改革政策的制定和实施以及农村金融市场效率提升具有重大的实践意义和理论意义。基于上述研究背景和现实情况，本文以陕西、宁夏新型农村金融机构引入县的农村金融市场效率为研究对象，运用金融学、微观经济学、金融功能论等相关知识背景和研究视野，构建涵盖微观供给、需求指标和宏观效率指标的评价体系，运用案例分析、DEA模型、Slogit模型、Logit模型、Wurgler资本配置效率模型等分析方法多角度评价西部地区农村金融市场效率，并在此基础上，提出提升西部地区农村金融市场效率的政策与建议。按照这一逻辑关系，论文研究内容如下：第一章，导论。主要介绍了论文的选题背景、研究目的与意义、研究思路和技术路线、国内外研究现状以及论文可能的创新之处。第二章，农村金融市场效率基础理论。主要分析了农村金融市场效率的内涵，介绍了农村金融市场的宏观效率和微观效率，分析了农村金融市场与农村经济的关系，并对西部地区农村金融市场效率的概念进行了界定。第三章，西部农村金融市场供给运行效率分析。主要分析了西部地区农村金融市场供给效率，首先介绍了西部农村金融市场的三类供给主体，接着从新增供给主体的角度，分析了新型农村金融机构的发展现状并介绍了西部地区典型新增农村金融机构。最后运用DEA模型对陕西、宁夏部分新型农村金融机构自身的运行效率进行了分析。研究认为，规模报酬不足是造成一些新增农村金融机构效率低下的主要原因。第四章，西部农户对农村金融机构贷款意愿影响因素及差异性分析。研究反映农村金融市场微观服务效率的重要指标——农户对农村金融机构的信贷需求及影响因素，主要运用Slogit和Logit模型研究了农户在新的融资选择集合内的信贷行为、贷款意愿和信贷约束情况，并进行了不同收入水平和兼业类型农户的差异性研究。研究结果表明，新型农村金融机构引入区的中低收入农户的信贷行为依然处于保守状态，融资偏好具有粘性，而高收入农户和非农、兼农户是信贷机构的主动选择者，据此提出制定多层次的信贷产品和政策等建议。第五章，西部地区农村金融市场效率综合评价。从农村金融市场效率的宏观内涵出发，分析西部地区新型农村金融机构引入县的资本配置效率和农村金融市场对县域经济的宏观服务效率。运用Wurgler资本配置效率模型测度了西部地区9个县的资本配置效率和既有禀赋效率，得出模型显著的5个县的农村资本配置效率均有效。运用DEA模型分析了西部5个县2012年、2011年的农村金融服务效率，得出部分县的农村金融服务效率非DEA有效，，主要原因是资本投入有冗余和管理水平存在效率缺失。第六章，提升西部地区农村金融市场效率的政策建议。针对微观供给、需求的实证分析以及宏观效率的衡量，从满足农户信贷需求、提高金融机构自身运行效率和提升农村金融市场整体功能三个方面提出了提升农村金融市场效率的政策建议。
[Abstract]:Since the CBRC adjusts and relaxes the market access conditions of banking financial institutions in rural areas in 2006, after 6 years of exploration and practice, new rural financial institutions, such as village banks, small loan companies and mutual funds, have developed rapidly. Among them, the number of new rural financial institutions in the central and Western regions accounts for the 60%. new rural gold in the country. The establishment of the financial institutions has further released the vitality of the folk capital in the western region, and has played an active role in the construction of the rural financial system of multi-agent, full competition and multiple property rights. After the opening of the western rural financial market, the overall fund supply capacity of the rural financial market has been improved, but it is still relatively weak and needs to be further improved. We should further improve the allocation function of rural financial resources and further promote the balanced development of the rural financial market in China.
Shaanxi and Ningxia, which are in underdeveloped areas, are provinces introduced earlier by new rural financial institutions. The rural financial market in Shaanxi and Ningxia is in the transition period from the traditional rural financial structure to the accelerated market. The financial market efficiency of the new rural financial institutions in Shaanxi and Ningxia two provinces (districts) is the research object, and the city of the city is the research object. The formulation and implementation of the field access policy, the continuing promotion of the opening of the rural financial market, the formulation and implementation of the reform policy of the financial institutions and the improvement of the efficiency of the rural financial market have great practical and theoretical significance.
Based on the above research background and reality, this paper takes the rural financial market efficiency of the new rural financial institutions of Shaanxi and Ningxia as the research object, and uses the related knowledge background and research field of finance, microeconomics and financial function theory to construct the evaluation system covering micro supply, demand index and macro efficiency index. By case analysis, DEA model, Slogit model, Logit model, Wurgler capital allocation efficiency model and other analytical methods, the efficiency of rural financial market in the western region is evaluated in many angles. On this basis, the policies and suggestions to improve the efficiency of the rural financial market in the western region are put forward.
According to this logical relationship, the research contents are as follows:
The first chapter, introduction, mainly introduces the background of the thesis, the purpose and significance of the research, the research ideas and technical route, the current research status at home and abroad, and the possible innovation of the paper.
The second chapter, the basic theory of efficiency of rural financial market, mainly analyzes the connotation of the efficiency of rural financial market, introduces the macro efficiency and micro efficiency of the rural financial market, analyzes the relationship between the rural financial market and the rural economy, and defines the concept of the efficiency of the rural financial market in the western region.
The third chapter analyzes the supply efficiency of the rural financial market in Western China. It mainly analyzes the supply efficiency of the rural financial market in the western region. First, it introduces the three types of supply subjects in the western rural financial market, then analyzes the development status of the new rural financial machinery and introduces the typical new addition of the western region from the perspective of the new supply main body. In the end, the DEA model is used to analyze the operation efficiency of some new rural financial institutions in Shaanxi and Ningxia. The research holds that the lack of scale compensation is the main reason for the low efficiency of some new rural financial institutions.
The fourth chapter, the influence factors and differences analysis on the loan intention of rural financial institutions in the western countries. The paper studies the credit demand and influencing factors of rural financial institutions, which reflect the micro service efficiency of rural financial markets, and mainly uses the Slogit and Logit models to study the credit of the farmers in the new financing choice set. The research results show that the credit behavior of the middle and low income farmers in the new rural financial institutions is still in the conservative state, the financing preference is sticky, and the high income farmers and non-agricultural, and the farmers are credit machines. The active selector of the structure proposes to formulate multi-level credit products and policies.
The fifth chapter, the comprehensive evaluation of the efficiency of the rural financial market in the western region. Starting from the macro connotation of the efficiency of the rural financial market, this paper analyzes the capital allocation efficiency of the new rural financial institutions introduced into the county and the macro service efficiency of the rural financial market to the county economy in the western region. The Wurgler capital allocation efficiency model is used to measure the 9 of the western region. The efficiency of capital allocation and natural endowment in the 5 counties of the county are effective. The efficiency of rural capital allocation in 5 counties of the model is effective. The rural financial service efficiency of the 5 counties in the West in 2012 and 2011 is analyzed by using the model. The efficiency of rural financial service in some counties is not DEA effective, the main reason is that the capital investment has redundancy and management water. Lack of efficiency in flat existence.
The sixth chapter, the policy proposals to improve the efficiency of the rural financial market in the western region. In view of the micro supply, the empirical analysis of the demand and the measurement of the macro efficiency, the policy of improving the efficiency of the rural financial market is put forward from three aspects: meeting the demand of farmers' credit, improving the operation efficiency of the financial institutions and improving the overall function of the rural financial market. Suggestion.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7

【参考文献】