泰安市农村金融市场效率研究

发布时间：2018-03-04 17:23

本文选题：泰安市　切入点：农村金融　出处：《山东农业大学》2017年硕士论文　论文类型：学位论文

【摘要】：在国家高度重视农村发展,大力推进城市反补农村的大背景下,农村金融作为农村经济和社会可持续发展的重要力量,逐渐成为国家对农村经济关注的重点。农村金融市场已经历10年的开放时期,对农村市场效率提升到底起到何种程度的作用。在此背景下,农村金融如何助力的泰安市农村经济的发展,成为本文的研究重点。在这样的历史条件和学术背景下,探讨开放下的泰安市农村金融市场效率具有较强的现实意义和理论意义。论文通过建立科学的评价指标体系和运用有效的实证方法,从供给、需求的角度分析,进行综合评价,合理评估泰安市农村金融市场的效率在引入新型农村金融机构后的变化;论文从供给的角度,分析了泰安市新型农村金融机构的发展现状和特点,并通过典型案例的方式,分析了引入区的新型农村金融机构的运行现状和运行效率;从需求的角度,分析了引入区农户的信贷行为、信贷需求特点、差异性和信贷约束程度等,基于实地调研和问卷调查,运用Logit模型对农户对正规金融的信贷偏好和影响因素进行分析,同时运用Logit模型对新型农村金融机构的贷款意愿及其影响因素进行了研究,运用分解分析的方法对引入区农户受正规金融的信贷约束程度进行分析;最后,在综合理论分析和实证分析的基础上,针对如何提升泰安市农村金融市场调控农村金融发展、促进区域经济发展、满足农户信贷需求等问题,提出切实有效的政策建议。论文深入分析泰安市农村金融市场开放区的农村金融市场效率,以此为基础提出促进泰安市农村金融市场效率的建议,为农村金融市场开放的继续推进及金融机构改革政策的制定和实施提供一定的参考和借鉴。从微观供给和需求的角度出发,研究了引入区的农村金融市场新增供给主体的特征、运行效率,需求主体的信贷行为和信贷约束等方面,为农村金融市场效率理论研究开辟蹊径。
[Abstract]:Under the background that the state attaches great importance to rural development and vigorously promotes the city to complement the rural areas, rural finance is an important force in the sustainable development of rural economy and society. Rural financial market has gone through 10 years of opening period, and it has played a role in improving the efficiency of rural market. In this context, How rural finance contributes to the development of rural economy in Tai'an has become the focus of this paper. Under such historical conditions and academic background, It is of great practical and theoretical significance to explore the efficiency of rural financial market in Taian City under the open environment. By establishing a scientific evaluation index system and using effective empirical methods, this paper makes a comprehensive evaluation from the point of view of supply and demand. The paper analyzes the development status and characteristics of the new rural financial institutions in Tai'an from the point of view of supply, and through typical cases, the paper analyzes the changes of the efficiency of the rural financial market in Taian City after the introduction of new rural financial institutions, and analyzes the development status and characteristics of the new rural financial institutions in Taian from the perspective of supply. This paper analyzes the operation status and efficiency of the new rural financial institutions in the introduction area, analyzes the credit behavior, the characteristics of the credit demand, the difference and the credit constraint degree of the farmers in the area from the point of view of demand. Based on field investigation and questionnaire survey, this paper analyzes the credit preference and influencing factors of farmers to formal finance by using Logit model, and studies the loan intention of new rural financial institutions and its influencing factors by using Logit model. Finally, on the basis of comprehensive theoretical analysis and empirical analysis, aiming at how to promote rural financial market regulation rural financial development in Tai'an. To promote regional economic development, meet the credit needs of farmers, and put forward practical and effective policy recommendations. The paper deeply analyzes the efficiency of rural financial market in the open area of rural financial market in Tai'an. On the basis of this, the paper puts forward some suggestions to promote the efficiency of rural financial market in Taian City. This paper provides some reference for the further development of the rural financial market opening and the formulation and implementation of the reform policy of financial institutions. From the angle of micro supply and demand, this paper studies the characteristics of the new supply main body of the rural financial market in the introduction area. The operation efficiency, the credit behavior and the credit constraint of the main body of demand open a way for the theoretical study of the efficiency of the rural financial market.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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