新疆农村金融发展区域差异研究与模式选择

发布时间：2018-01-12 16:05

本文关键词：新疆农村金融发展区域差异研究与模式选择　出处：《新疆财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：金融与经济的关系已被众多学者所证实,经济的发展会引起金融的产生和发展,同时,金融的发展对经济具有显著地促进作用，现代经济的发展已经离不开金融的支持。自改革开放以来，新疆农村经济飞速发展，农民生活水平不断提高，1978年新疆一产GDP为13.97亿元，农民人均纯收入为119元，到2010年末，一产GDP为1078.63亿元，农民人均纯收入达到4643元，两指标分别增长了77倍和38倍，年均增长率分别达到了14.5%和12.1%。但是随着农村经济的快速发展，农村区域之间的经济金融差距也在不断扩大，2004年，新疆北疆和东疆地区一产GDP与南疆一产GDP比值为2.26，到2009年该比值就达到了2.51，由此可知，新疆农村区域的经济金融差距在拉大，这种差距的扩大将严重影响新农村建设的进展，对于整个新疆经济的发展也是不利的，鉴于此，新疆农村金融区域差异就具有深远的研究价值。本文在农村金融及区域经济金融差异理论的基础上，首先采用变异系数、泰尔系数对新疆农村金融差异进行动态分析,结论是：新疆农村经济的总差异在扩大，区域间和区域内差异也是呈现扩大趋势；新疆农村人均贷款的总差异在缩小，区域间差异也在缩小，但是区域内的差异却是在扩大。通过因子分析方法对农村金融差异进行静态分析，将新疆14地州市划分为三大地区：发达地区，较发达地区和欠发达地区。本文认为新疆农村金融区域差异的影响因素主要是：经济发展水平、金融区位、资源禀赋、政府政策、市场化程度及金融排斥和金融体系等。最后，，依据聚类结果及原因，通过金融发展模式比较,选择了三种金融发展模式。
[Abstract]:The relationship between finance and economy has been confirmed by many scholars, economic development will lead to the emergence and development of finance, at the same time, the development of finance has a significant role in promoting the economy. The development of modern economy has been inseparable from the financial support. Since the reform and opening up, the rural economy in Xinjiang has been developing rapidly, and the living standard of farmers has been continuously improved. In 1978, the GDP of one output in Xinjiang was one billion three hundred and ninety-seven million yuan. In end of 2010, the per capita net income of farmers was one hundred and seven billion eight hundred and sixty-three million yuan, and the per capita net income of farmers reached 4,643 yuan. The two indexes increased by 77 times and 38 times respectively. With the rapid development of rural economy, the economic and financial gap between rural areas is also expanding, 2004. The ratio of one-production GDP and GDP in northern and eastern Xinjiang is 2.26, and by 2009, the ratio reached 2.51. Therefore, the gap between economy and finance in rural areas of Xinjiang is widening. The widening of this gap will seriously affect the progress of the new rural construction, and it will also be unfavorable to the economic development of Xinjiang. In view of this, the regional differences in rural finance in Xinjiang have far-reaching research value. Based on the theory of the difference between rural finance and regional economy and finance, this paper first uses the coefficient of variation and Tyr coefficient to analyze the difference of rural finance in Xinjiang dynamically. The conclusion is: the total difference of the rural economy in Xinjiang is expanding, and the regional and intra-regional differences are also showing the trend of expansion; The total difference of rural per capita loan in Xinjiang is shrinking, the regional difference is also narrowing, but the regional difference is expanding. The static analysis of rural financial difference is carried out through factor analysis method. The 14 cities of Xinjiang are divided into three regions: developed region, more developed area and underdeveloped region. This paper thinks that the main factors influencing the regional difference of rural finance in Xinjiang are the level of economic development and the financial location. Resource endowment, government policy, marketization, financial exclusion and financial system. Finally, according to the clustering results and reasons, through the comparison of financial development models, three financial development models are selected.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7;F224

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