农村金融发展影响农民收入的实证研究

发布时间：2018-03-25 02:23

本文选题：农村金融发展　切入点：农民收入　出处：《江苏师范大学》2017年硕士论文

【摘要】：在中国新农村建设逐步推进过程中,“三农”问题依旧是我国政府和人民高度关注对象。中央一号文件连续14年聚焦“三农”,于2017年明确指出要通过加快农村金融创新等重大举措来实现农业增效、农民增收、农村增绿。文章研究的出发点与国家政策文件所传达的信息相一致,即认为农村金融也是影响农民收入的因素之一。农村居民收入问题具体表现在农民收入规模和收入结构两个方面,而从农村金融发展这一视角深入研究其如何影响农村居民收入规模和收入结构两个层次,不仅在理论研究方面有所创新,而且对农村金融改革和解决农居民收入问题有着现实意义。基于已有农村金融相关理论,文章从规模、结构和效率多角度度量了我国农村金融发展,以此为视角,并以农村居民收入规模和收入结构为研究对象,就农村金融对农村居民收入的影响作用进行理论分析与实证检验。研究过程中,首先进行理论分析并提出了经验假说;其次,以生产函数模型为基础研究框架,引入城镇化率、财政支农力度和农村投资水平三个控制变量,并借助我国28个省(市)1994-2015年面板数据固定效应模型进行了计量检验,得到的结果为:农民收入整体规模和收入结构中各来源收入均与农村金融规模正相关,与金融结构和效率负相关,即农村金融发展规模有利于提高农民整体收入水平及各来源收入,金融发展结构和效率对农民整体收入及各来源收入的增加则产生了抑制效应。最后,基于研究结论,文章从规模、结构与效率三者出发,为进一步深化农村金融改革,解决农村居民收入问题提出了政策性建议,即认为应当适度扩大农村金融规模,完善农村金融发展结构,同时继续提高农村金融发展效率,阻止农村资金外流,使其更好地为“三农”而服务。
[Abstract]:In the process of the construction of the new countryside in China, the issue of "agriculture, countryside and farmers" is still highly concerned by the government and the people. The first document of the Central Committee focused on "agriculture, countryside and farmers" for 14 consecutive years, and pointed out clearly in 2017 that it is necessary to speed up the rural finance. Innovation and other major initiatives to achieve agricultural efficiency, The starting point of this paper is consistent with the message conveyed in the national policy document. That is, rural finance is also one of the factors affecting farmers' income. The problem of rural residents' income is manifested in two aspects: the scale of farmers' income and the income structure. From the perspective of rural financial development, how to influence the income scale and income structure of rural residents is studied in depth, which is not only innovative in theoretical research. Based on the existing theories of rural finance, the paper measures the development of rural finance from scale, structure and efficiency. Taking the income scale and income structure of rural residents as the research object, the paper makes theoretical analysis and empirical test on the effect of rural finance on rural residents' income. Based on the production function model, this paper introduces three control variables, urbanization rate, financial support for agriculture and the level of rural investment, and carries out an econometric test by using the fixed effect model of panel data from 28 provinces (cities) in China from 1994 to 2015. The results are as follows: the total scale of farmers' income and the income from all sources in the income structure are all positively correlated with the scale of rural finance, and negatively correlated with the financial structure and efficiency. That is, the scale of rural financial development is beneficial to the improvement of farmers' overall income level and income from various sources, while the structure and efficiency of financial development have a restraining effect on the increase of farmers' overall income and income from various sources. Starting from the three aspects of scale, structure and efficiency, this paper puts forward some policy suggestions for further deepening the rural financial reform and solving the problem of rural residents' income, that is, we should appropriately expand the scale of rural finance and perfect the structure of rural financial development. At the same time, we should continue to improve the efficiency of rural financial development, stop the outflow of rural funds, and make them better serve the "three rural areas".
【学位授予单位】：江苏师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F323.8;F832.4

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