甘肃省农村信贷排斥程度及其影响因素研究

发布时间：2018-01-08 14:01

本文关键词：甘肃省农村信贷排斥程度及其影响因素研究　出处：《甘肃农业大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着农业现代化改革的不断深入,农村经济水平取得了较快发展。然而,农村金融领域的发展相对较为缓慢,金融资源供需矛盾日益突出,尤其是在经济欠发达的农村地区,普遍存在着较为严重的信贷排斥问题。农村信贷服务质量的高低,直接影响着金融发展的整体水平。解决农村信贷排斥问题,是推动普惠金融发展必由之路,也是农村金融深化改革的必然选择。由于受到各方面因素的影响,甘肃省农村地区的信贷服务水平在全国依然排名较后。因此,对甘肃省农村信贷排斥问题进行分析,有利于增强新形势下农村金融机构对“三农”发展的信贷资金支持,对于优化农村金融供给侧结构性改革具有一定参考意义。本研究运用定性比较分析法,对甘肃省农村信贷排斥的现状进行了分析,并基于“六维度”理论模型对其具体原因进行了探讨。研究结果表明,甘肃省农村金融供给乏力,存在涉农贷款投放主体单一、增长率不稳、相对规模缩减及存贷差额较大等问题;主要支农金融机构在网点设立、营销定位、条件设置、评估方式、价格设定上具有排斥特征。运用TOPSIS综合分析法定量分析了甘肃省农村信贷排斥程度发现:从空间上看,甘肃省农村信贷排斥程度区域差异较大,排斥程度最高的定西(0.97)和最低的嘉峪关(0.26)跨度高达0.71;空间格局明显,陇东和陇中地区的排斥程度分别高达0.95、0.92。从时间上看,甘肃省农村信贷排斥程度长期处于0.8~0.9的较高水平,但近年来的农村金融改革对农村信贷排斥程度的减缓作用显著,说明金融深化能够有效削弱排斥程度。通过单位根检验、协整分析及误差修正后分析等方法对甘肃省农村信贷排斥的影响因素进行了实证分析,发现农村就业结构、农业技术现代化率及农村GDP无论是在长期还是短期,对农村信贷排斥程度均具有显著反向作用,说明农村信贷排斥问题的解决依赖于农村农业的发展、农民的个体特征及农村外部经济环境要素的优化。根据甘肃省农村信贷排斥问题及其制约因素,提出以下建议:大力发展普惠金融,进一步深化农村金融改革;坚持积极的政策引导,完善农村金融运行机制;加大农业保险、补贴力度,引导社会资金流向农村;加强农业现代化项目建设,改善农村金融生态环境;加强人文基础建设,提升农民的金融认知能力;完善公共财政体系,为农村金融发展提供支撑。
[Abstract]:With the deepening of the reform of agricultural modernization, the level of rural economy has made rapid development. However, the development of rural financial field is relatively slow, and the contradiction between supply and demand of financial resources is increasingly prominent. Especially in the underdeveloped rural areas, there is a serious problem of credit exclusion. The quality of rural credit service directly affects the overall level of financial development and solves the problem of rural credit exclusion. Is the only way to promote the development of inclusive finance, but also the inevitable choice for deepening the reform of rural finance. Because of the influence of various factors, the credit service level in rural areas of Gansu Province is still lower in the country. The analysis of the problem of rural credit exclusion in Gansu Province is helpful to strengthen the credit fund support of rural financial institutions to the development of agriculture, rural areas and farmers under the new situation. For optimizing the supply-side structural reform of rural finance has a certain reference significance. This study uses qualitative comparative analysis to analyze the current situation of rural credit exclusion in Gansu Province. And based on the "six dimensions" theoretical model to explore its specific reasons. The results show that Gansu Province rural financial supply is weak, there is a single main body of agriculture-related loans, the growth rate is unstable. The relative scale is reduced and the difference between deposit and loan is large. The main agricultural financial institutions in the establishment of network, marketing positioning, setting up conditions, evaluation methods. Price setting has the characteristics of exclusion. Quantitative analysis of rural credit exclusion degree in Gansu Province by TOPSIS comprehensive analysis: from a spatial point of view, Gansu Province rural credit exclusion degree of regional differences. The span of Dingxiang 0.97) and the lowest Jiayuguan 0.26) is as high as 0.71; The spatial pattern is obvious, the exclusion degree of Longdong and the middle of Gansu is as high as 0.950.92 respectively. From the time point of view, the degree of rural credit exclusion in Gansu Province is in the high level of 0.80.90 for a long time. However, the rural financial reform in recent years has significantly reduced the degree of rural credit exclusion, indicating that financial deepening can effectively weaken the degree of exclusion, through the unit root test. The co-integration analysis and error correction analysis are used to analyze the influencing factors of rural credit exclusion in Gansu Province, and the structure of rural employment is found. Agricultural technology modernization rate and rural GDP in the long term or in the short term have a significant negative effect on rural credit exclusion, indicating that the solution of rural credit exclusion depends on the development of rural agriculture. According to the problem of rural credit exclusion in Gansu Province and its restrictive factors, the following suggestions are put forward: vigorously developing inclusive finance and further deepening rural financial reform; Adhere to active policy guidance, improve the rural financial operation mechanism; Increase agricultural insurance, subsidies, and guide social funds to rural areas; Strengthening the construction of agricultural modernization projects and improving the rural financial ecological environment; Strengthen the construction of humanistic infrastructure, enhance the financial cognitive ability of farmers; Improve the public finance system to provide support for rural financial development.
【学位授予单位】：甘肃农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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