吉林省农村非正规金融发展与农民收入增长关系研究

发布时间：2018-08-22 17:27

【摘要】：“三农”问题的核心是农民问题,农民问题的关键是收入问题,而解决农民收入问题离不开农村金融的支持。吉林省作为农业大省,提高农民收入问题不仅是吉林省“三化统筹”发展战略的内在要求,更关乎吉林省全省经济的未来发展。但是由于地理因素和历史条件的限制,吉林省农户自有资金有限,政策性支农资金覆盖面狭窄,正规金融机构出于降低成本和分散风险的考虑在农村信贷资金的投放的力度较小,农户难以从正规金融渠道获得资金,资金需求被严重抑制。面对日益增长的供求矛盾,农户纷纷转向非正规金融渠道进行融资。长期以来,非正规金融问题一直被政府部门和金融监管当局所忽视,并未取得与其地位相符的身份。但实践证明,农村非正规金融顺应了市场发展的要求,极大的缓解了“三农”问题,推动了城镇化进程,促进了多元竞争的农村金融市场的形成。吉林省农村非正规金融规模巨大,其灵活便捷的借贷方式也被大多数农户接受,主要形式有民间借贷、农民专业合作社内部开展的资金互助和集体合作组织资金互助三种。其中民间借贷覆盖范围最为广泛、基本无门槛限制,是吉林省农民借贷资金的首选方式。而农民专业合作社与资金互助组织是未来一段时间内,实现农业大规模集约化生产,促进农业现代化建设的重要手段。本文利用2014年吉林省农村金融研究中心在全省九个地市州29个县(市、区)68个乡镇91个行政村发放的调查问卷筛选出相关数据,对我省农村非正规金融的主要形式(民间借贷、农民专业合作社内部开展的资金互助和集体合作组织资金互助等)和规模进行了概括分析。并通过实证分析,得出了吉林省农村非正规金融对农民收入的增长具有正效应的结论,并且认为非正规金融在吉林省农村地区是一种不容忽视并具有一定效率的融资安排。因此,我们应通过构建农村非正规金融完整的制度体系、妥善组织各种形式的民间服务机构、优化整合民间资源、切实改进农村非正规金融的运行生态、促进农村正规金融与非正规金融之间的通力合作来积极发展我国农村的非正规金融,提高农民收入。
[Abstract]:The core of the problem of "three rural areas" is the problem of farmers, the key problem of farmers is the problem of income, and the problem of farmers' income can not be solved without the support of rural finance. As a big agricultural province, raising farmers' income in Jilin Province is not only the internal requirement of the development strategy of "three Reformation" in Jilin Province, but also related to the future economic development of Jilin Province. However, due to the limitation of geographical factors and historical conditions, the farmers' own funds in Jilin Province are limited, and the coverage of policy-oriented funds for supporting agriculture is narrow. Due to the consideration of reducing costs and dispersing risks, formal financial institutions have less effort to invest credit funds in rural areas, which makes it difficult for farmers to obtain funds from formal financial channels, and the demand for funds is severely suppressed. In the face of the increasing contradiction between supply and demand, farmers turn to informal financial channels for financing. For a long time, informal financial problems have been ignored by government departments and financial regulators, and have not been accorded with their status. But practice has proved that rural informal finance conforms to the demand of market development, greatly alleviates the problem of "agriculture, countryside and farmers", promotes the process of urbanization, and promotes the formation of multi-competitive rural financial market. The scale of rural informal finance in Jilin Province is huge, and its flexible and convenient ways of lending are accepted by most farmers, mainly in the form of folk lending, mutual assistance of funds carried out within farmers' specialized cooperatives and mutual assistance of funds of collective cooperative organizations. Among them, folk loan has the most extensive coverage and has no threshold limit, so it is the first choice of farmers' borrowing funds in Jilin province. Farmers' specialized cooperatives and mutual fund organizations are the important means to realize large-scale intensive agricultural production and promote agricultural modernization in the future. This paper uses the questionnaire issued by Jilin Province Rural Finance Research Center in 29 counties (cities and districts) of nine prefectures and cities in 2014 to screen out the relevant data, which is the main form of informal finance in rural areas of our province (folk loans and loans). The capital mutual aid and collective cooperation organization fund mutual aid carried out inside the farmer specialized cooperative organization) and the scale have carried on the summary analysis. Through the empirical analysis, the paper draws the conclusion that the rural informal finance of Jilin Province has positive effect on the increase of farmers' income, and thinks that informal finance is a kind of financing arrangement which can not be ignored and has certain efficiency in the rural areas of Jilin Province. Therefore, we should construct a complete system of rural informal finance, properly organize various forms of non-governmental service institutions, optimize and integrate folk resources, and effectively improve the operational ecology of rural informal finance. To promote the cooperation between rural formal finance and informal finance to actively develop rural informal finance and improve farmers' income.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35;F323.8

【相似文献】