湖南农村金融发展与农民收入增长关系的实证研究

发布时间：2018-03-30 16:51

本文选题：湖南　切入点：农村金融　出处：《中南林业科技大学》2012年硕士论文

【摘要】：在促进湖南全面建设小康社会的建设进程中,如何增加农民收入成为促进湖南经济社会发展的重大课题。改革开放以来,湖南农村经济建设取得了巨大的成绩,特别是农民收入得到了大幅度提高,成为农村经济改革中的一大亮点。但是,随着社会经济的不断发展,湖南农村金融抑制的弊端越发突显,金融服务越来越难以满足农村经济发展需求,这些因素使得金融体系整体功能被削弱并最终抑制了农民收入的增长。这也是近几年湖南城乡居民收入差距不断扩大,农民收入水平低速增长的一个重要原因。本文基于湖南农民收入和农村金融发展的现实,运用计量经济学的研究方法,从三个方面(湖南农村金融发展规模、农村金融发展结构、农村金融发展效率)深入探讨了湖南农村金融发展对农民人均纯收入的影响。通过Granger因果检验、单位根检验、协整检验得出“湖南农村金融发展与农民收入增长之间存在长期的协整关系,湖南农村金融发展效率和农村金融发展结构均是农民收入增长的Granger原因”的结论。对湖南农村金融发展的三个指标和农民人均收入指标做脉冲响应分析,检验结果表明,湖南农村金融发展规模和农村金融发展结构对农民收入增长作用不明显,湖南农村金融发展效率对农民收入增长有明显的促进作用。本文分析了只有强化农村正规金融的主导作用,完善并发展农村非正规金融等,引入竞争机制提高农村金融市场效率,才能使农村金融更好地发挥其促进湖南农民收入增长的作用。
[Abstract]:In the process of promoting the construction of a well-off society in Hunan, how to increase farmers' income has become a major issue in promoting the economic and social development of Hunan. Since the reform and opening up, great achievements have been made in the construction of rural economy in Hunan. In particular, farmers' income has been greatly increased and has become a bright spot in the rural economic reform. However, with the continuous development of social economy, the drawbacks of Hunan's rural financial repression have become more and more prominent. Financial services are becoming more and more difficult to meet the needs of rural economic development. These factors have weakened the overall function of the financial system and ultimately restrained the growth of farmers' income. This is also the widening income gap between urban and rural residents in Hunan Province in recent years. Based on the reality of farmers' income and rural financial development in Hunan, this paper applies econometric research methods, from three aspects (scale of Hunan rural financial development, The structure of rural financial development and the efficiency of rural financial development) deeply discuss the impact of rural financial development in Hunan on the per capita net income of farmers. Through the Granger causality test, the unit root test, Cointegration test shows that "there is a long-term cointegration relationship between the development of rural finance and the growth of farmers' income in Hunan Province." The conclusion is that the efficiency of rural financial development and the structure of rural financial development are the Granger reasons for the growth of farmers' income. The impulse response analysis of the three indicators of rural financial development and the index of farmers' per capita income shows that, The scale of rural financial development and the structure of rural financial development have no obvious effect on the growth of farmers' income, but the efficiency of Hunan's rural financial development has a significant role in promoting the growth of farmers' income. This paper analyzes that only by strengthening the leading role of rural formal finance, perfecting and developing rural informal finance, introducing competition mechanism to improve the efficiency of rural financial market, In order to make rural finance better play its role in promoting the growth of farmers' income in Hunan.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35;F323.8;F224

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