安徽省农村金融支持农村经济问题研究

发布时间：2018-06-13 01:26

本文选题：农村金融 + 农村经济发展　；参考：《安徽农业大学》2012年硕士论文

【摘要】：自2004年以来，我国政府连续九年中央一号文件以三农问题为主题，着力发展农村经济，这期间农村金融也得到了较大的发展，对农村经济发展的贡献作用也逐渐得以显现。然而，农村金融市场随着市场经济的发展出现了一些问题，如大量银行从乡镇农村撤离、大量农用资金外流到非农部门等，导致农村金融发展支持农村经济发展的效果并不明显。本文通过对安徽省农村金融发展的现状利用PEST-SWOT方法进行了分析后，选择1996-2010年数据，对安徽省农村金融支持农村经济发展进行了实证分析，应用安徽省农村GDP为经济增长测量指标，应用农村金融规模、结构、效率三个变量为衡量农村金融发展的指标，建立线性相关模型进行了实证研究，得出的结论如下：第一，安徽省农村金融对安徽省的农村经济发展的贡献作用不显著，安徽省农村GDP的发展可以促进安徽省农村金融总量规模的正向发展。第二，安徽省农村GDP每增加一个单位可以促进安徽农村金融总量规模上涨e1.099个单位。同时也会促进安徽省农村金融的效率提升e0.355个单位。第三，安徽省农村金融的结构调整发展对农村GDP的贡献之间存在负的线性关系，但是不存在因果关系。本文对安徽省农村金融发展的问题进行分析后发现目前安徽农村金融发展存在以下问题：安徽省农村金融结构体系存在严重问题;安徽省农村金融发展严重滞后；安徽省农村金融发展对农村经济发展的推动作用不显著；安徽省农村金融效率提升不明显。安徽省农村金融发展的问题成因，本文利用金融发展理论、经济增长理论以及市场经济理论进行了分析，发现有以下方面问题：农村金融市场比较收益低导致农村金融结构调整缓慢；安徽省农村金融供给不足其对农村经济的推动作用不显著；城乡二元结构造成农村金融发展严重滞后；安徽农村金融市场竞争秩序不完善导致低效率。对安徽省农村金融支持农村经济发展的对策建议方面，本文从PEST入手进行了对策建议的提出：政治法律方面，应当完善正规金融部门和非正规金融部门的法律法规、加强安徽省农村金融基础设施建设、立法防止资金外流。经济市场方面，本文建议建立起正规金融机构与非正规金融机构配合发展、正规金融机构聚集度不断降低的金融组织体系。社会文化方面，本文建议以村委和乡镇等基层政府为引导，提高农户加强参与意识；增强信用社等金融机构的发展意识，培养服务三农的企业文化等。在技术创新方面，，本文建议加强金融创新，创造多种类、多类别的金融产品和服务；引入先进风险管理手段来控制农村信贷风险；创新金融服务的形式。
[Abstract]:Since 2004, the first document of the Central Committee of our country has focused on the development of rural economy with the theme of "three rural issues" for nine consecutive years. During this period, rural finance has also been greatly developed, and its contribution to the development of rural economy has gradually become apparent. However, with the development of the market economy, some problems have arisen in the rural financial market, such as the withdrawal of a large number of banks from the villages and towns, the outflow of a large amount of agricultural funds to the non-agricultural sector, and so on. The result of rural financial development supporting rural economic development is not obvious. Based on the analysis of the present situation of rural finance development in Anhui Province by using PEST-SWOT method, this paper chooses the data from 1996 to 2010 to make an empirical analysis on the rural financial support of rural economic development in Anhui Province. Using Anhui Province's rural GDP as the measure of economic growth, using the three variables of rural financial scale, structure and efficiency as indicators to measure the development of rural finance, this paper establishes a linear correlation model for empirical research. The conclusions are as follows: first, The contribution of rural finance to the rural economic development of Anhui Province is not significant. The development of rural GDP in Anhui Province can promote the positive development of the total scale of rural finance in Anhui Province. Second, the increase of one unit of rural GDP in Anhui Province can promote the total scale of rural finance in Anhui province to increase by e1.099 units. At the same time, it will also promote the efficiency of rural finance in Anhui Province, e 0.355 units. Thirdly, there is a negative linear relationship between the structural adjustment and development of rural finance in Anhui province to rural GDP, but there is no causal relationship. This paper analyzes the problems in the development of rural finance in Anhui Province and finds that there are some problems in the development of rural finance in Anhui Province: the serious problems in the rural financial structure system of Anhui Province, the serious lag in the development of rural finance in Anhui Province; The development of rural finance in Anhui Province has no significant effect on the development of rural economy, and the efficiency of rural finance in Anhui Province is not obvious. Based on the theory of financial development, the theory of economic growth and the theory of market economy, this paper analyzes the causes of the problems in the development of rural finance in Anhui Province. The following problems are found: low comparative income of rural financial market leads to slow adjustment of rural financial structure, insufficient supply of rural finance in Anhui province has no significant role in promoting rural economy; The dual structure of urban and rural areas causes the development of rural finance to lag seriously, and the imperfect competition order of Anhui rural financial market leads to low efficiency. With regard to the countermeasures and suggestions of rural finance supporting rural economic development in Anhui Province, this paper puts forward the following suggestions from pest: in the political and legal aspects, we should perfect the laws and regulations of the formal and informal financial sectors. Strengthen the construction of rural financial infrastructure in Anhui Province, legislation to prevent the outflow of funds. In the aspect of economic market, this paper suggests the establishment of a financial organization system in which formal financial institutions and informal financial institutions cooperate with each other, and the degree of aggregation of formal financial institutions is decreasing. In the aspect of social culture, this paper suggests taking the village committee and the township government as the guide, enhancing the farmers' consciousness of participation, strengthening the development consciousness of the financial institutions such as the credit cooperatives, and cultivating the enterprise culture serving the agriculture, rural areas and farmers. In terms of technological innovation, this paper proposes to strengthen financial innovation, to create various kinds of financial products and services, to introduce advanced risk management measures to control rural credit risks, and to innovate the forms of financial services.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F327;F832.7

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