我国农村金融包容程度评价研究

发布时间：2018-06-25 05:22

本文选题：农村金融包容 + 包容性增长　；参考：《湖南大学》2012年硕士论文

【摘要】：随着我国农村金融体制改革的深入推进，我国农村地区金融发展取得了长足的进步。截止2011年底，全国已有10个省份实现了乡镇金融服务机构全覆盖，30个省份实现了乡镇基础金融服务全覆盖；多种类型金融机构分工明确、相互协作补充的农村金融组织体系架构已经初步形成，农村储蓄服务基本得到满足，多层次的信贷市场逐步形成。但我国农村金融发展中存在的问题依然很突出，农村地区金融机构营业网点少且分布不平衡、储蓄存款资金外流严重、农民“贷款难”等问题长期存在，金融服务供给不足、供需求矛盾依然突出，金融对农村经济发展的支撑作用趋于弱化。如何提升农村金融包容程度，使农村地区弱势群体能平等地获取金融服务，是我国农村金融体系建设最主要的目标之一，也是贯穿包容性增长理念的关键环节。基于包容性增长理论和金融宽度理论，本文首先从金融服务供给主体、需求主体、监管主体的角度对我国农村金融包容的内涵和范围进行了界定。在此基础上，从农村金融包容的前提、过程、结果三个维度构建我国农村金融包容程度的评价指标体系，并运用模糊综合评价法，对我国2006年——2010年农村金融包容状况进行评价，结果显示，当前我国农村金融包容程度的数值为2.7839，处于一般包容的状况。进一步采取因子分析法对农村金融包容的省域差异进行分析，，可以看出，我国农村金融包容呈现出典型金字塔状，程度相对较高的省份基本上处于东部沿海地区，广大中西部省份农村地区金融包容程度仍然较低。从农村金融包容程度对农民收入的影响来看，两者存在正向关关系，表明提升农村金融程度也是促进农民增收的重要渠道。最后，本文认为，要提升我国农村金融包容程度，关键是要解决好金融机构参与农村金融市场的积极性、可持续性问题。对政府而言，应充分发挥引导者和监管者的角色，为提升农村金融包容水平提供良好的生态环境和政策环境。
[Abstract]:With the deepening reform of rural financial system in China, great progress has been made in the development of rural finance in China. By the end of 2011, 10 provinces in China had achieved full coverage of township financial services institutions, 30 provinces had achieved full coverage of township basic financial services, and many types of financial institutions had a clear division of labor. The system of rural financial organization, which is complementary to each other, has been initially formed, rural savings services have been basically satisfied, and a multi-level credit market has been gradually formed. However, the problems in the development of rural finance in our country are still very prominent. The financial institutions in rural areas have few business outlets and uneven distribution, the outflow of savings deposit funds is serious, the farmers'"loan is difficult" and so on for a long time, the supply of financial services is insufficient. The contradiction between supply and demand is still prominent, and the supporting role of finance on rural economic development tends to weaken. How to improve the rural financial inclusion and enable the vulnerable groups in rural areas to obtain financial services equitably is one of the most important objectives of the construction of rural financial system and the key link of the concept of inclusive growth. Based on inclusive growth theory and financial width theory, this paper firstly defines the connotation and scope of rural financial inclusion in China from the perspective of the main body of financial service supply, the main body of demand and the subject of supervision. On this basis, from the premise of rural financial inclusion, process, results of the three dimensions of rural financial inclusion in China's evaluation index system, and the use of fuzzy comprehensive evaluation method, This paper evaluates the situation of rural financial inclusion in China from 2006 to 2010. The results show that the current value of rural financial inclusion in China is 2.7839, which is in a general situation. Further using factor analysis to analyze the provincial differences of rural financial inclusion, we can see that the rural financial inclusion in China presents a typical pyramid, the relatively high degree of provinces are basically in the eastern coastal areas. The degree of financial inclusion in rural areas of central and western provinces is still relatively low. From the perspective of the influence of the degree of rural financial inclusion on farmers' income, there is a positive relationship between the two, which indicates that improving the rural financial level is also an important channel to promote the increase of farmers' income. Finally, this paper holds that the key to improve the rural financial inclusion is to solve the problem of the enthusiasm and sustainability of financial institutions participating in the rural financial market. To the government, we should give full play to the role of leaders and regulators, and provide a good ecological environment and policy environment for improving the level of rural financial inclusion.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7

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