农村金融发展对淄博市农民收入增长的影响研究

发布时间：2018-02-28 10:16

本文关键词： 农村金融农民收入增长 “支农”服务 VAR模型　出处：《山东理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：农业是国民经济的基础,农业、农民和农村问题是有关国计民生的重大问题。近年来,我国农业和农村经济发展相对缓慢,农民收入水平不高,城乡收入差显巨不断拉大,“三农”问题亟待解决。“三农”问题的核心在于农民收入增长缓慢,农民收入水平的提高关系到农村社会的稳定和整体经济的发展。然而,农民收入的提高离不开金融的支持,大量研究表明,农村金融功能的有效发挥能够促进农民收入的增长。但是,目前我国各地区农村金融发展水平总体不高,这在很大程度上制约了农民收入的提高,农村金融应该如何助力农民收入增长发展以及适应农村经济新变化,加大支农服务力度,在区域农业经济和农民收入增长产业化发展中充分发挥效益,这是农村金融机构亟待解决的现实问题。因此,有必要对农村金融发展和农民增收的关系进行更加深入的研究。本文以淄博农民收入增长发展为研究对象,以淄博农村金融发展促进农民收入增长为主线,建立农村金融发展和农民收入增长发展的VAR模型,并在此基础上利用脉冲响应和方差分解,对农村金融发展对农民收入增长发展的各个指标的动态关系进行实证分析。结果表明,淄博农村金融发展规模、农村金融发展效率、以及农村金融支农效率的增加对农民收入增长的发展存在正向效应,其中农村金融发展效率和农村金融支农效率贡献度最高。在此基础上,展开农村金融发展对农民收入增长影响的研究,并进一步提出农村金融如何发展有效促进农民收入增长的政策,深化改革农村金融体制以及完善农村金融体系,提高农村金融办事效率和竞争性农村金融市场的培育,创新农村金融服务产品,加大农村资金投入;加强社会信用建设,改善农村金融生态环境。本研究力求从多层次、多角度的探索出一条适合农村金融推动农民收入增长发展的道路。
[Abstract]:Agriculture is the foundation of the national economy, and the problems of agriculture, farmers and rural areas are important issues related to the national economy and the people's livelihood. In recent years, the development of agriculture and rural economy in China has been relatively slow, and the level of peasants' income has not been high. The income gap between urban and rural areas is widening, and the problem of "agriculture, countryside and farmers" should be solved urgently. The core of the problem lies in the slow growth of farmers' income, and the improvement of farmers' income level is related to the stability of rural society and the development of the whole economy. A large number of studies show that the effective exertion of rural financial function can promote the growth of farmers' income. However, at present, the level of rural financial development in various regions of China is not high. To a large extent, this has restricted the improvement of farmers' income. How should rural finance help farmers' income growth and development, adapt to the new changes in rural economy, and increase support for agriculture and services? It is an urgent problem for rural financial institutions to give full play to the benefits in the development of regional agricultural economy and the industrialization of farmers' income growth. It is necessary to further study the relationship between rural financial development and farmers' income increase. This paper takes the development of farmers' income in Zibo as the research object and the rural financial development of Zibo as the main line to promote the growth of farmers' income. The VAR model of rural financial development and farmers' income growth is established, and based on this model, impulse response and variance decomposition are used. The dynamic relationship between rural financial development and the development of farmers' income is analyzed empirically. The results show that the scale of rural financial development, the efficiency of rural financial development, And the increase of rural financial support efficiency has a positive effect on the development of farmers' income, in which rural financial development efficiency and rural financial support efficiency contribute the most. This paper studies the impact of rural financial development on the growth of farmers' income, and further puts forward how rural finance can effectively promote the growth of farmers' income, deepen the reform of the rural financial system and improve the rural financial system. To improve the efficiency of rural finance and the cultivation of competitive rural financial market, to innovate rural financial service products, to increase rural capital investment, to strengthen the construction of social credit, to improve the rural financial ecological environment. To explore a suitable way for rural finance to promote the growth of farmers' income.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.7;F323.8

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