广西农民收入增长的农村金融支撑体制研究

发布时间：2018-03-14 06:19

本文选题：农民收入　切入点：农村金融　出处：《广西大学》2012年硕士论文　论文类型：学位论文

【摘要】：在广西全区范围内农民收入增长缓慢,仍有部分农民在贫困线左右徘徊,这对广西的政治、经济、社会影响是全局性的,根据国内外经验,农村经济发达程度和金融市场的发展水平是密切相关的。在此背景下,可以发现研究广西农民收入增长的金融支撑体系机制研究是十分必要的。首先本文利用金融相关理论,强调了金融在经济发展过程中所起的作用,利用金融深化理论和金融抑制理论来阐述农民金融对于农民收入增长的影响,弥补了以前对于农民收入增长的动力支撑因素,这些因素不仅包括劳动,资本,土地等因素。其次对广西农村居民收入现状进行了分析,利用1980—2010年广西统计数据来看,城乡居民收入总体上呈现上升趋势,农村居民人均纯收入的增长速度远远比不上城市增长速度,城乡居民人均纯收入之间的差距不断扩大。同时对广西金融市场的金融供给状况给予分析,分别从正规金融和非正规金融两个方面进行了概况介绍。再次通过数据整理,把广西农村金融发展的衡量指标与广西农民收入之间的关系进行了数据实证研究。通过数据的整理和总结,运用计量软件进行回归分析,以及单位根检验,协整检验和格兰杰因果关系检验后,实证结果显示农村金融发展与农民收入之间存在明显的相关性。最后,通过实证研究验证了广西农村金融在发展过程中受到制约。农村金融组织体系不完善,金融服务缺失问题；新型农村金融机构经营规模小,抗风险能力不强；农村贷款的担保体系建设存在问题等,然后,针对广西现状提出农村金融发展促进农民收入增长的建议：进一步完善农村金融组织体系,多层次解决乡镇村金融服务缺失问题；完善涉农贷款风险补偿和激励机制；建立农村资金回流机制；进一步优化农村金融生态环境；积极推动农村金融产品和服务方式创新；正视对民间金融的合法地位；深化金融发展的外部环境等措施。
[Abstract]:In Guangxi, the growth of farmers' income is slow, and some farmers are still hovering around the poverty line. This has an overall political, economic and social impact on Guangxi. According to experience at home and abroad, The degree of rural economic development is closely related to the level of financial market development. Under this background, it is very necessary to study the mechanism of financial support system for the growth of farmers' income in Guangxi. First of all, this paper emphasizes the role of finance in the process of economic development by using the theory of finance, and expounds the impact of the financial system on the growth of farmers' income by using the theory of financial deepening and the theory of financial suppression. These factors not only include labor, capital, land and so on. Secondly, this paper analyzes the current situation of rural residents' income in Guangxi. According to the statistics of Guangxi from 1980 to 2010, the income of urban and rural residents is on the whole rising, and the growth rate of per capita net income of rural residents is far less than that of urban growth. The gap between the per capita net income of urban and rural residents is widening. At the same time, the financial supply of Guangxi financial market is analyzed, and the general situation of formal finance and informal finance is introduced respectively. Thirdly, through data collation, the relationship between the measurement index of Guangxi rural financial development and the income of farmers in Guangxi is studied empirically. Through the data collation and summary, the regression analysis is carried out by using the measurement software. After the unit root test, cointegration test and Granger causality test, the empirical results show that there is an obvious correlation between rural financial development and farmers' income. Finally, the paper proves that the rural finance of Guangxi is restricted in the process of development, the system of rural financial organization is not perfect, the financial service is lacking, the new rural financial institution is small in scale, and the ability to resist risks is not strong. There are some problems in the construction of guarantee system of rural loans, and then, in view of the present situation of Guangxi, some suggestions are put forward for the development of rural finance to promote the growth of farmers' income: to further improve the rural financial organization system and to solve the problem of lack of financial services in villages and towns at different levels; Improve the risk compensation and incentive mechanism for agricultural loans; establish a mechanism for the return of rural funds; further optimize the rural financial ecological environment; actively promote the innovation of rural financial products and services; face up to the legal status of private finance; Deepen the external environment for financial development and other measures.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F323.8;F832.7;F224

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