山东省农村信用社对农业发展支持的实证研究

发布时间：2018-06-17 13:19

本文选题：农村信用社 + 农业发展　；参考：《山东农业大学》2014年硕士论文

【摘要】：农村信用社是中国农村群众性的金融合作组织。自从改革开放30多年来,农村信用社在农村金融体系中的作用不断加强。从1979年恢复中国农业银行开始,我国农村渐渐形成了以农业银行为主导,农村信用社和其他金融机构与融资方式为补充的多元化的农村金融体系。在20世纪90年代,我国正式提出了“建立和完善以合作金融为基础,商业性金融、政策性金融分工合作的农村金融体系”的改革目标,坚持以农村信用社改革为重点,建立和完善了以合作金融为基础,商业性金融、政策性金融分工合作的农村金融体系。从20世纪末到21世纪初,农村信用社就依照合作制的原则发放了小额贷款,形成了商业金融、政策性金融、合作金融三位一体的农村金融合作体系,农村信用社成为农村金融体系的重要组成部分。正是因为农村信用社是目前我国农村金融体系的重要组成部分,与其他涉农金融机构一起为我国农业的发展提供了重要的金融支持,因此研究农村信用社发展对农业发展的影响有重要的意义。本文主要介绍了山东省农村信用社的发展对农业发展的影响,为了研究山东省农村信用社的发展对农业发展的影响,本文主要从四个方面做了详细的论述和模型分析。首先,本文从理论方面分析了山东省农村信用社支持农业发展的现状,该章节的前半部分详细的介绍了山东省农村信用社发展以及农业发展的现状,进而介绍了农信社支持农业发展的特点以及存在的问题。然后,本文从实证的角度研究了农信社发展对农业发展的影响。该部分代表农信社发展的指标为金融相关率以及农信社的贷款比重,农业发展用农村GDP来衡量。通过建立相关的模型和假设检验,得出了较为可靠的结论:金融相关率、贷款比重以及农村GDP三个变量之间存在长期均衡关系。通过进一步的模型分析,金融相关率以及贷款比重对农业发展都有积极的促进作用,但农业发展对农信社的影响不大。紧接着,本文又介绍了我国其他地区农信社支持农业发展的状况,如贵州万山地区、湖南衡山县与内蒙古乌兰察布市等,主要介绍了该部分地区农信社支持农业发展的特点,总结出这些地区农村信用社对农业发展支持的经验,为山东省农村信用社支持农业发展得到了一些启示。最后,总结理论分析与实证研究结论,提出相应的对策建议。并对该问题的研究提出展望。
[Abstract]:Rural credit cooperative is the financial cooperation organization of Chinese rural mass. Since the reform and opening up more than 30 years ago, the role of rural credit cooperatives in the rural financial system has been strengthened. Since the restoration of the Agricultural Bank of China in 1979, a diversified rural financial system has gradually formed in our country, which is dominated by the Agricultural Bank, supplemented by rural credit cooperatives and other financial institutions and means of financing. In the 1990s, China formally put forward the reform goal of "establishing and perfecting the rural financial system based on cooperative finance, commercial finance and policy finance", and insisted on the reform of rural credit cooperatives. Set up and perfect the rural financial system based on cooperative finance, commercial finance and policy finance. From the end of the 20th century to the beginning of the 21st century, rural credit cooperatives issued small loans in accordance with the principles of the cooperative system, forming a trinity of commercial finance, policy finance and cooperative finance. Rural credit cooperatives have become an important part of the rural financial system. It is precisely because rural credit cooperatives are an important part of the current rural financial system in China, and together with other agriculture-related financial institutions, they have provided important financial support for the development of agriculture in China. Therefore, it is of great significance to study the impact of the development of rural credit cooperatives on agricultural development. This paper mainly introduces the impact of the development of Shandong rural credit cooperatives on agricultural development. In order to study the impact of the development of Shandong rural credit cooperatives on agricultural development, this paper mainly from four aspects of the detailed discussion and model analysis. First of all, this paper analyzes the current situation of rural credit cooperatives supporting agricultural development in Shandong Province from the theoretical point of view. The first half of this chapter introduces the development of rural credit cooperatives in Shandong Province and the current situation of agricultural development in detail. Then it introduces the characteristics and existing problems of the rural credit cooperatives supporting the development of agriculture. Then, this paper studies the impact of the development of rural credit cooperatives on agricultural development from the perspective of empirical research. This part represents the development of rural credit cooperatives indicators for the financial correlation rate and the proportion of rural credit cooperatives loans, agricultural development is measured by rural GDP. Through the establishment of relevant models and hypothesis tests, a more reliable conclusion is drawn: there is a long-term equilibrium relationship among the three variables: financial correlation ratio, loan proportion and rural GDP. Through further model analysis, it is found that the financial correlation rate and the proportion of loans have a positive effect on the agricultural development, but the agricultural development has little effect on the rural credit cooperatives. Then, this paper introduces the situation of agricultural development supported by rural credit cooperatives in other regions of China, such as Wanshan region of Guizhou, Hengshan County of Hunan and Wulanchabu City of Inner Mongolia, and mainly introduces the characteristics of agricultural development supported by rural credit cooperatives in this part of China. The experiences of rural credit cooperatives in these areas in supporting agricultural development are summarized, and some inspirations are obtained for rural credit cooperatives in Shandong province to support agricultural development. Finally, the conclusion of theoretical analysis and empirical research is summarized, and corresponding countermeasures and suggestions are put forward. The research prospect of this problem is put forward.
【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】：F832.43;F323

【相似文献】