提高我国农村居民财产性收入的金融支持机制研究

发布时间：2018-04-24 02:20

本文选题：农村居民 + 财产性收入　；参考：《天津财经大学》2014年硕士论文

【摘要】：2007年10月,党的十七大报告提出“创造条件让更多群众拥有财产性收入”,自此,居民财产性收入受到越来越多的关注。财产性收入是居民收入结构中的重要组成部分,而在我国,无论是城镇居民还是农村居民,财产性收入在居民可支配收入中的比重都很低,财产性收入还不是居民收入的重要来源之一。现阶段,我国农村金融体系处于发展初期,如果建立一个强有力的金融支持机制,保证农村居民财产性收入的提高,就能够刺激农村居民消费,有利于促进我国经济发展模式转型；也能够有效的缩小我国城乡居民不断扩大的贫富差距,有利于社会公平；也能够使农村居民分享改革开放经济发展的成果,有利于构建社会主义和谐社会。农村居民可以通过多种途径获得财产性收入,可以在经济发展过程中参加市场活动获取财产性收入,也可以直接通过金融服务获取财产性收入,而在这期间都需要得到金融各方面的支持,所以农村居民财产性收入提高的金融支持机制值得研究。文章先分析农村居民财产性收入的各种影响因素及存在的问题,然后在阐述金融发展理论、金融发展与居民收入关系的相关理论后,着重分析了金融发展对农村居民财产性收入的促进作用,以及现阶段金融支持机制形成的基本要素,接着通过建立农村金融发展与农村居民财产性收入之间的VAR模型,实证检验得出农村金融发展规模、金融发展效率和金融发展结构都是居民财产性收入的格兰杰原因,即金融发展影响农村居民财产性收入的获得与提高,最后提出整个金融支持机制的相关改进完善建议。我国农村金融处在发展初期,国家应该加强农村居民社会保障及金融知识教育工作,调整市场监管模式和民间金融监管方法,以及制定适宜农村地区的税收和金融政策,从而有效促进农村地区金融市场全面发展,激发农村居民获取财产性收入的积极性,同时农村地区金融机构要积极优化自身发展结构,积极提高自身储蓄转化资本能力和创新能力,争取为农村居民获取财产性收入提供全方位金融服务。
[Abstract]:In October 2007, the report of the 17th National Congress of the Communist Party of China (CPC) proposed that "create conditions for more people to own property income". Since then, more and more attention has been paid to the property income of residents. Property income is an important part of residents' income structure. In our country, the proportion of property income in the disposable income of residents is very low, whether it is urban residents or rural residents. Property income is not one of the most important sources of income. At this stage, China's rural financial system is in the early stages of development. If a strong financial support mechanism is established to ensure the increase of property income of rural residents, it can stimulate rural residents' consumption. It is conducive to promoting the transformation of our country's economic development model; it can also effectively narrow the widening gap between the rich and the poor of urban and rural residents in our country, and is conducive to social equity; and it can also enable rural residents to share the fruits of the economic development of reform and opening up. It is conducive to building a harmonious socialist society. Rural residents can obtain property income through a variety of channels, participate in market activities to obtain property income in the course of economic development, or directly obtain property income through financial services. Therefore, the financial support mechanism for increasing the property income of rural residents is worth studying. This paper first analyzes the various influencing factors and existing problems of rural residents' property income, and then expounds the theory of financial development, the relationship between financial development and residents' income. This paper mainly analyzes the role of financial development in promoting the property income of rural residents, and the basic elements of the formation of financial support mechanism at the present stage, and then establishes the VAR model between rural financial development and rural residents' property income. The empirical test shows that the scale of rural financial development, financial development efficiency and financial development structure are the Granger reasons of residents' property income, that is, financial development affects the acquisition and improvement of rural residents' property income. Finally, the paper puts forward the suggestion of improving and perfecting the whole financial support mechanism. In the early stage of the development of rural finance department, the country should strengthen the work of social security and financial knowledge education for rural residents, adjust the mode of market supervision and folk financial supervision, and formulate tax and financial policies suitable for rural areas. In order to effectively promote the overall development of the financial market in rural areas, stimulate the enthusiasm of rural residents to obtain property income, at the same time, the financial institutions in rural areas should actively optimize their own development structure. We should actively improve our ability of saving and transforming capital and innovation, and strive to provide comprehensive financial services for rural residents to obtain property income.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.8;F832.35

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