我国农村金融发展对居民消费的影响研究

发布时间：2018-01-02 19:19

本文关键词：我国农村金融发展对居民消费的影响研究　出处：《湖南大学》2014年硕士论文　论文类型：学位论文

【摘要】：作为一个农业大国，我国农村人口多、范围广，农村消费市场广阔且存在着较大的提升空间。但相对于城市消费市场，农村市场存在消费能力弱、消费基础差的现象，这制约了农村消费水平的提高，建立扩大农村居民消费的长效机制成为当务之急。而建立扩大农村居民消费的长效机制，除了需要政府惠农、强农的政策支持外，还需要农村金融的广泛参与。在此背景下，研究农村金融发展对居民消费的影响具有重要意义。本文从金融角度研究农村的居民消费问题。首先从理论上深入的分析了农村金融发展影响居民消费的传导机理，即农村金融发展会影响农村居民工资性收入和家庭经营性收入作用于居民消费能力从而影响居民消费；同时也会影响农村居民的流动性约束、不确定性预期、消费环境三因素作用于消费倾向从而影响居民消费。然后，通过实证，一方面构造农村金融发展的双指标，，基于VAR模型实证检验了农村金融发展规模的扩大能提高居民消费总支出，并有效提高各层次消费支出，且对生活型消费支出的影响较大。但由于我国农村金融发展效率不高且有不断下降的趋势，因此未对农村居民消费支出产生促进作用。在此基础上，进一步利用实证方法检验了我国农村金融发展对居民消费的影响渠道，即农村金融发展规模扩大能通过增收渠道和缓解流动性约束渠道在一定程度上提高居民消费水平，其中促进增收是其主要渠道。最后，在明确了农村金融对消费的重要性后，提出了以农村金融发展促进居民消费的政策建议，以使农村金融能为扩大农村消费市场，拉动农村居民消费提供更好的支撑。
[Abstract]:As a large agricultural country, China's rural population, a wide range of vast rural consumer market and there is a large room for improvement. But compared to the city market, rural market consumption capacity is weak, poor consumption phenomenon, which restricts the rural consumption level is high, the establishment of long-term mechanism for expanding consumption of rural residents become a pressing matter of the moment. And the establishment of a long-term mechanism to expand the consumption of rural residents, in addition to government Huinong strong agricultural policy support, need to participate in rural finance. Under this background, has important significance of rural financial development on consumption.
This paper is to study the rural resident consumption from the financial perspective. Firstly, in-depth analysis of the conduction mechanism of the consumption effect of rural financial development, which will affect the wage income of rural residents and the family business income effect to the residents' consumption ability to influence residents' consumption of rural financial development; also the liquidity constraints affecting rural residents the uncertainty of the expected, three factors in the consumption environment affects the consumption and consumption tendency. Then, through the empirical study, a dual index structure of rural financial development, empirical test of the VAR model to expand the scale of rural financial development can improve the residents' Consumption Expenditure Based on, and effectively improve the level of consumer spending, and the influence of living consumption expenditure is larger. But due to the development of China's rural financial efficiency is not high and there is a downward trend, therefore not on farm village The impact of consumer spending. On this basis, the further use of empirical methods to test the influence channel of China's rural financial development on household consumption, which can expand the scale of rural finance development by income channels and easing liquidity constraints channel to a certain extent, improve the level of consumption, which promote income is the main channel. Finally, in the rural finance on the importance of consumption, puts forward the policy suggestions to promote household consumption in rural financial development, to make rural finance to expand rural consumption market, stimulating the consumption of rural residents to provide better support.

【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.8;F832.35

【参考文献】