农村金融发展促进农村经济增长的路径研究

发布时间：2019-05-17 00:07

【摘要】：关于中国农村金融发展如何促进农村经济增长的问题,无论从中央层面还是从地方层面,无论从学术研究者还是从实务工作者,都存在重大的争论和分歧。这个问题的存在,严重影响了农村金融的发展,进而影响了农村经济的发展。因此,尽快找到农村金融促进农村经济增长的有效路径并正确解决这个问题具有重大现实意义和理论意义。因此本文的研究目的首先就是依据金融功能论和内生经济增长理论分析农村金融发展促进农村经济增长的实现路径,并掌握我国农村金融发展与农村经济增长基本态势。其次,利用数理模型科学验证我国农村金融发展促进农村经济增长的有效路径。最后基于我国农村经济和农村金融发展现状提出切实可行并符合我国农村经济体制和政治体制改革方案。为了实现以上研究目的,本文研究内容做了如下安排：第一章首先对本文的选题背景进行展示,指出目前研究农村金融发展促进农村经济增长路径研究的迫切性；简要回顾和评述了与本选题相关的已有研究成果,提出了本文的研究目标与主要内容。此外,对本文的研究方法和研究思路以及相关数据和资料来源也作了说明；第二章回顾国内外与本文研究相关经典理论,并以此为起点作为下文研究的基础；第三章依据金融发展最前沿理论,从理论上探讨农村金融促进农村经济增长的真实路径；第四章详细分析了我国近60年来农村金融与农村经济增长基本态势；第五章在上一基础上,建立VAR模型实证检验了我国农村金融促进农村经济增长的真实路径及其存在的问题；第六章总结本文研究结论并在此基础上,提出我国农村金融发展促进农村经济增长的科学路径；最后,本文基于上述研究得出如下结论并提出了有针对性的政策建议。一、本文的基本研究结论： 1.农村经济技术效率是农村金融发展影响农村经济增长的唯一畅通渠道无论是在长期还是在短期内,农村经济技术效率是农村金融发展影响农村经济增长的显著渠道,并且长期内影响为正,短期内为负。这与我国农村经济发展传统观点仅仅通过农村金融发展提高农村资本积累拉动经济增长不同,证实了农村经济技术效率提升才是保持我国农村经济长期增长的核心动力。 2.资本积累与产业升级促进农村经济增长的内部传导渠道不畅通一是虽然农村资本积累对农村经济增长影响显著,但农村金融发展对农村资本积累影响不显著,这也就是说我国落后的农村金融发展体制抑制了我国农村经济增长；二是产业结构升级对农村经济增长影响不明显,只在个别(1979-1996)时期影响经济增长,并且农村金融发展与农村产业升级并不存在长期均衡关系,所以农村金融发展也并未通过推动农村产业升级影响经济增长。 3.发展农村科技金融有助于实现农村产业升级虽然我国农村金融发展尚未对农村产业结构产生至“质”的影响,但是研究显示农村金融和农村技术效率的结合与农村产业升级存在长期均衡关系,这一研究结论进一步证实了农村金融发展在促进农村产业升级,进而实现农村经济超常规增长的抓手和着力点应为农村技术效率的提升。二、本文提出的政策建议基于以上研究结论本文的提出政策建议主要有如下几方面： 1、加速农村金融发展促进农村经济增长路径中的资本积累强化地方政府的引导与监管作用,积极培育新型农村合作金融组织,打通民间资本对农业产业、农村经济的投资渠道。充分地利用金融市场,创新农村金融体制,降低民间资本进入农业、农村经济的门槛,合法化经营规范的民间资本,为创造农业产业、农村经济持续性的资本形成机制打开窗口。提高农村资本存量水平,转化存量巨大的民间资本为增量资本。 2、加快推动农村金融发展与提升农村技术效率有效载体的合作要想引导资金回流,最根本的办法就是解决资金的收益问题。因此,促进有限的农村金融资源与改善农村技术效率的结合,以农业现代化为主线,通过农业补贴,农户补贴,涉农贷款利率优惠政策,鼓励农村金融机构积极开展以推进农业现代化为目标的信贷产品,金融服务和风险管理创新。 3、充分发挥农村金融发展在农村产业结构优化与升级进程中的重要作用协调农村金融推动农业现代化与城镇化和工业化的步伐,尤其是新型城镇化的建设。改变传统农业,发展现代化农业,提高农业单产值,提高农村金融在农业现代化与城镇化和工业化中的投资效率,完成农村产业结构优化与升级,提高农村产业升级对农村经济增长贡献度。惟其如此,农村金融发展才能真正成为中国农村经济和农民收入增长的前提和条件,才能创造持续性的农业产业、农村资本形成机制。
[Abstract]:The question of how to promote the growth of the rural economy in the rural financial development of China, whether from the central level or from the local level, has major arguments and differences, whether from the academic or the practical workers. The existence of this problem has seriously affected the development of the rural finance, thus affecting the development of the rural economy. Therefore, it is of great practical significance and theory significance to find the effective way of rural finance to promote the rural economic growth as soon as possible and to solve the problem correctly. Therefore, the purpose of this paper is to analyze the rural financial development and the realization path of rural economic growth according to the theory of financial function and endogenous economic growth, and to master the basic state of rural financial development and rural economic growth in China. Secondly, using the mathematical model to verify the effective way of the rural financial development to promote the rural economic growth Finally, based on the current situation of rural economy and rural financial development in China, it is feasible and in accordance with the current situation of rural economic system and political system reform in China In order to achieve the purpose of the above research, the following arrangements have been made in this paper: the first chapter first shows the background of the subject, and points out the urgent need to study the rural financial development to promote the research of the rural economic growth path. This paper briefly reviews and comments on the existing research results related to this topic, and puts forward the research object and main contents of this paper. In addition, the research methods and the research ideas and the related data and data sources of this paper are also described. The second chapter reviews the classical theories related to the research in the home and abroad, and the starting point is the basis of the following research; and the third chapter is based on the most frontier of the financial development. On the basis of the theory, the paper discusses the real path of rural finance to promote the growth of rural economy; the fourth chapter analyses the basic situation of rural finance and rural economic growth in the last 60 years of China; and the fifth chapter is on the last foundation. On the basis of the empirical test of VAR model, the real path and the existing problems of rural finance for rural economic growth in China are established. Chapter 6 summarizes the conclusions of this paper and puts forward the scientific way to promote the rural economic growth in China's rural financial development. Path; Finally, on the basis of the above-mentioned research, the following conclusions are drawn and pointed out. I suggest. One, the basis of this article The results of this study are as follows:1. The rural economic and technological efficiency is the rural economic development that influences the rural financial development. The long and only clear channel, whether in the long term or in the short term, the rural economic technology efficiency is the rural finance development influence the rural area a significant channel of economic growth and long-term internal reflection It is positive and negative in the short term. This is only through the rural financial development to improve the rural capital accumulation and the economic growth from the traditional view of the rural economic development in China, and it is proved that the improvement of the rural economic technology efficiency is the maintenance of the rural economy in China. the core power of long-term growth.2. Capital accumulation and industrial upgrading to promote the rural economy The internal conduction channel of growth is not smooth. Although the rural capital accumulation has a significant impact on the rural economic growth, the rural finance The effect of the exhibition on the accumulation of capital in the rural areas is not significant, which means that the backward rural financial development system of our country has restrained the growth of the rural economy in our country, and the second is the influence of the upgrading of the industrial structure on the growth of the rural economy is not obvious, only in the individual (1979- In the period of 1996, the economic growth is affected, and the rural financial development and the rural industrial upgrading do not have a long-term equilibrium relationship, so the rural financial development has not been pushed Moving rural industrial upgrading affects economic growth.3. Development of agriculture The village science and technology finance has helped to realize the rural industry upgrading, although the rural financial development in China has not affected the rural industrial structure to the "quality", the research shows the rural finance and the rural technical efficiency In combination with the long-term equilibrium relationship with the upgrading of rural industry, this study further confirms the rural financial development in promoting the upgrading of the rural industry, thus realizing the super-regular growth of the rural economy The grip and the point of focus should be the rural technology The improvement of the efficiency of the operation. The conclusions of this paper are as follows:1. Speeding up the Rural Financial Development and Promoting the Increase of the Rural Economy The capital accumulation in the long path strengthens the guidance and supervision of the local government, and actively cultivates the new rural cooperative gold through the financial market, the innovation of the rural financial system, the reduction of the private capital into the agriculture, the threshold of the rural economy and the legalization of the private capital of the business standard, The creation of the agricultural industry and the sustainable capital formation mechanism of the rural economy opens the window. The level of the rural capital stock and the huge amount of the private capital converted to the stock are the incremental capital. 2. Speed up the integration of the effective carrier of the rural financial development and the improvement of the rural technical efficiency In order to guide the return of the funds, the most fundamental solution is to solve the problem of the income of the funds. Therefore, the combination of the limited rural financial resources and the improvement of the rural technical efficiency is promoted, and the agricultural modernization is the main line, and the preferential policies of the agricultural subsidies, the farmer's subsidies and the interest rate of the agriculture-related loans are adopted. and encourage the rural financial institutions to actively drive The development of credit products, financial services and risk management innovation aimed at promoting the modernization of agriculture. 3. Give full play to the important role of rural financial development in the process of rural industrial structure optimization and upgrading The village finance promotes the modernization of agriculture and the pace of urbanization and industrialization, especially the construction of a new type of urbanization. It changes the traditional agriculture, develops the modern agriculture, improves the output value of the agricultural output, and improves the investment efficiency of the rural finance in the agricultural modernization and urbanization and industrialization To improve the rural industrial structure and to upgrade the rural industrial structure, to improve the contribution of rural industrial upgrading to the economic growth in the rural areas, so that the rural financial development can truly become the rural economy and the agriculture in China
【学位授予单位】：西南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F327

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