我国农村金融服务水平的测度及其影响因素分析

发布时间：2018-01-01 07:24

本文关键词：我国农村金融服务水平的测度及其影响因素分析　出处：《哈尔滨商业大学》2015年硕士论文　论文类型：学位论文

【摘要】：最近几年,随着农村经济的迅速发展,农村金融也受到了高度的重视,主要是因为在农村经济的发展中,农村金融起到较大的作用。中国非常重视农业的发展,农业、农村和农民问题是国家发展的重中之重。从2004年至今,我国每年都会出台“一号文件”,这12个“一号文件”都十分重视“三农”问题,充分体现了农村经济的发展在整个国家经济发展中的重要性,以及需要加快解决“三农”问题的迫切性。农村金融可以推动农村经济发展,是发展农村经济的核心问题,是大力改善“三农”问题的关键所在。然而现阶段中国的农村金融服务水平存在诸多问题,因此提高农村金融服务的水平已经成为了农村金融发展的首要任务。农村金融服务水平关系到农村经济的发展程度以及金融服务的普及程度,提高农村金融服务水平可以促进农村金融的发展从而惠及更多的农村居民。以此,对农村金融服务水平的研究既具有理论意义,又具有现实意义。文章在对二元经济理论、农村金融发展理论、农村金融市场理论分析基础上,分析总结出农村金融服务水平的内涵。根据金融发展的新进展为理论指导,构建了农村金融服务水平的评价评分体系,并对不同地区的农村金融服务水平进行了测度评分,根据评分结果得到各省市的农村金融服务水平存在着较大的差异。构建了面板数据模型,选取了相关的影响因素,通过分析2003-2012年十年间的数据测算出农村金融服务水平的影响因素与其之间的相关关系,并找出不同地区间金融服务水平存在差异的原因。对这些原因进行细致地分析研究,根据实证研究结果从改善制度环境、完善金融机构的服务水平和加强对农户金融知识的普及等方面,提出切实可行的对策建议来解决农村金融服务中存在的具体问题,进而完善服务项目、改善服务体制、提高服务水平以此促进农村金融的发展。文章中深入探究了农村金融服务水平实际情况,将金融服务水平在农村金融领域的应用进行了拓展,深化其理论研究。对中国农村金融服务水平进行了测度,分析其现状并作出了实证研究,为制定农村金融发展战略提供理论指导和决策依据。
[Abstract]:In recent years, with the rapid development of rural economy, rural finance has also been highly valued, mainly because in the development of rural economy, rural finance plays a greater role. China attaches great importance to the development of agriculture. Agriculture, rural areas and farmers are the most important issues in the development of the country. Since 2004, China has issued the "No. 1 document" every year, and the 12 "No. 1 documents" attach great importance to the issue of "agriculture, rural areas and farmers". It fully reflects the importance of the development of rural economy in the economic development of the whole country, as well as the urgency of speeding up the solution to the problems of "agriculture, rural areas and farmers". Rural finance can promote the development of rural economy. It is the core problem of developing rural economy and the key to improve the problem of "agriculture, countryside and farmers". However, there are many problems in the level of rural financial service in China at present. Therefore, improving the level of rural financial services has become the primary task of rural financial development. The level of rural financial services is related to the development of rural economy and the popularity of financial services. Improving the level of rural financial services can promote the development of rural finance and benefit more rural residents. Thus, the research on the level of rural financial services is of both theoretical and practical significance. Based on the analysis of dualistic economic theory, rural financial development theory and rural financial market theory, this paper analyzes and summarizes the connotation of rural financial service level, which is guided by the new development of financial development. The evaluation and scoring system of rural financial service level is constructed, and the rural financial service level in different regions is measured and scored. According to the score results, the rural financial service level of provinces and cities are different. The panel data model is constructed, and the relevant factors are selected. By analyzing the data from 2003 to 2012, this paper calculates the relationship between the influencing factors of rural financial service level and the relationship between them. And find out the reasons for the differences in the level of financial services among different regions, and carry out a detailed analysis of these reasons, according to the results of empirical research to improve the institutional environment. Improve the service level of financial institutions and strengthen the popularization of farmers' financial knowledge, put forward practical countermeasures and suggestions to solve the specific problems in rural financial services, and then improve the service items. Improve the service system, improve the service level to promote the development of rural finance. The article deeply explore the actual situation of rural financial services, and expand the application of the level of financial services in the field of rural finance. In order to provide theoretical guidance and decision basis for rural financial development strategy, this paper measures the level of rural financial service in China, analyzes its current situation and makes an empirical study.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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