基于SCP范式的山东省农村金融发展研究

发布时间：2018-01-13 07:39

本文关键词：基于SCP范式的山东省农村金融发展研究　出处：《山东农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国改革开放的持续深入和市场经济的不断发展，农村经济、农业发展和农民及涉农组织等对农村地区的金融资金的需求激增，而农村金融体系在整个金融体系的体制改革和发展中比较落后。因此，如何解决农村金融资金如何满足农村地区的资金需求，以及金融机构自身的可持续发展问题，为我国的农村经济发展提供强力地金融支持，己成为金融理论研究和实践面临的共同课题。本文运用产业经济学的SCP范式，分别对山东农村金融的市场结构与绩效进行实证分析。首先，对山东省农村金融的发展现状进行了梳理，发现了虽然山东省农村金融服务体系自建立以来促进了山东省农业的经济发展，但是随着农村金融市场的进一步放开，山东省农村金融体系对农村地区的支农作用反而越来越弱以及农村地区金融供需不平衡等诸多问题。其次，从市场份额、市场集中度、市场准入和退出壁垒等方面对山东省农村金融的市场结构进行了深入分析，得出山东农村金融市场结构是寡头垄断型的，但是随着农村金融市场逐步开放，农村金融市场集中度不断降低，同时随着山东农村金融市场准入壁垒降低，村镇银行、农村资金互助社和小额贷款公司等新型农村金融机构的纷纷成立，使农村金融市场的竞争程度得到提升，在一定程度上改善了农村贷款难的局面。再次，通过结合山东省农村金融的实际发展状况对农村金融机构的市场行为进行了分析和描述，包括价格行为和非价格行为，研究结果显示，在不断放宽贷款利率的趋势下，不同农村金融机构之间的价格竞争成为一种必然趋势，为了争夺优质的客户，农信社采取了竞争性的定价方式，，农业发展银行、农村合作金融机构和新型金融机构等对其产品和服务进行了各种创新，以期占有较大的市场份额，获取更大的收益。农村金融市场结构影响了金融机构的市场行为进而会对金融机构的经营绩效和金融市场绩效产生影响。然后，通过资产利润率、资产负债率、存贷比率和农村金融相关率等微观、宏观指标分析了山东农村金融市场绩效，结果显示山东农村金融的市场绩效得到了逐步的提高，但是各金融机构的经营效果并不理想，不能达到效益最大化，这也说明了寡头垄断市场结构下，各金融机构做出的市场经营均出现了非效率状况。再次，通过回归方程计量分析，发现山东农村金融市场结构和综合绩效之间存在着长期稳定的均衡关系，通过改善农村金融的市场结构可以促进农村金融市场绩效的提高。最后，给出发展山东农村金融市场的对策建议：进一步放开和健全农村金融市场、支持农村金融创新、推进农村利率市场化改革以及加大政府对农村金融的农业信贷支持等。
[Abstract]:With the continuous deepening of China's reform and opening up and the continuous development of the market economy, the rural economy, agricultural development and farmers and agriculture-related organizations in rural areas of financial capital demand surge. However, the rural financial system is relatively backward in the system reform and development of the whole financial system. Therefore, how to solve the rural financial funds to meet the financial needs of rural areas. The sustainable development of financial institutions has become a common subject for the research and practice of financial theory, which provides strong financial support for the development of rural economy in China. Using the SCP paradigm of industrial economics, this paper empirically analyzes the market structure and performance of rural finance in Shandong Province. Firstly, the development status of rural finance in Shandong Province is sorted out. Found that Shandong Province since the establishment of rural financial services system has promoted the economic development of agriculture in Shandong Province, but with the further liberalization of rural financial markets. On the contrary, the rural financial system of Shandong Province plays a weaker and weaker role in supporting agriculture in rural areas and the imbalance of financial supply and demand in rural areas. Secondly, from the aspects of market share, market concentration, market access and exit barriers, the paper analyzes the market structure of Shandong rural finance, and concludes that the structure of Shandong rural financial market is oligopolistic. However, with the gradual opening of rural financial markets, the concentration of rural financial markets is decreasing, and with the lowering of barriers to rural financial market access in Shandong, village banks. With the establishment of new rural financial institutions, such as rural mutual aid societies and micro-loan companies, the competition of rural financial markets has been enhanced, and the situation of the difficulty of rural loans has been improved to a certain extent. Thirdly, the paper analyzes and describes the market behavior of rural financial institutions, including price behavior and non-price behavior, by combining the actual development of rural finance in Shandong Province. In the trend of relaxing loan interest rate, price competition among different rural financial institutions has become an inevitable trend. In order to compete for high-quality customers, RCCs have adopted competitive pricing method, Agricultural Development Bank. Rural cooperative financial institutions and new financial institutions have carried out various innovations in their products and services in order to occupy a large market share. The structure of rural financial market affects the market behavior of financial institutions and then affects the operating performance and financial market performance of financial institutions. Then, through the asset profit rate, asset-liability ratio, deposit and loan ratio and rural financial correlation ratio and other microscopic, macro-indicators analysis of Shandong rural financial market performance. The results show that the market performance of Shandong rural finance has been gradually improved, but the operating effect of the financial institutions is not ideal, can not achieve the maximum benefit, which also shows that under the oligopoly market structure. The market operation that each financial institution makes appeared inefficiency condition. Thirdly, through the regression equation econometric analysis, we find that there is a long-term stable equilibrium relationship between the structure of Shandong rural financial market and comprehensive performance. By improving the market structure of rural finance, the performance of rural financial market can be improved. Finally, the paper gives the countermeasures of developing Shandong rural financial market: further opening and improving rural financial market, supporting rural financial innovation. Promote market-oriented reform of rural interest rates and increase government agricultural credit support to rural finance.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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