黑龙江省农村金融服务水平测度及影响因素研究
发布时间：2018-07-31 10:11
【摘要】：为实现我国农村金融改革,首先要达到的重要目标是提升农村金融服务水平,不断推进农村金融的全面覆盖。近些年以来,人们越来越重视金融服务在促进地区经济发展中起到的作用,尤其是对于发展中国家的农村地区来说,金融服务对地区经济的促进作用更是显而易见的。国内与国外的学者一直长期致力于对发展中国家农村金融宏观方向的研究并对金融服务水平的测算方法与影响因素进行了探索,为利用金融政策来提高某一国家或地区的经济发展水平提供了重要的理论基础。本文研究的主要内容为首先在借鉴国内外研究学者的成果上建立黑龙江省农村金融服务水平评价体系,进而应用这一指标体系对黑龙江省农村金融服务的水平进行了实际测评。为获取黑龙江省农村金融服务的总体概况,该部分从金融服务供给和需求方面选取具有代表性的指标依据IFI指数分析法对黑龙江省67个县(市)2015年的农村金融服务水平进行了实际测评,结果显示:黑龙江农村金融整体服务水平较低,仅有绥芬河等五个县(市)处于较高水平,此外,本文对影响黑龙江省农村金融服务水平质量的多重因素进行了研究和分析,并参考了国内外关于影响金融服务水平因素的有关研究,提出了相关的假说,并利用面板数据模型予以实证检验。通过实证检验表明:在影响某一地区农村金融服务水平的众多因素中,该地区的经济的发展水平、医疗体系发展与保障水平、就业率、信息化技术水平与城镇化水平都对其具有十分明显的正相关作用。本次围绕黑龙江省农村金融服务水平的研究对黑龙江省的政策启示为:提升黑龙江省农村金融服务水平的关键在于加大农村金融基础设施建设的力度,努力提升信贷服务的能力,有效降低金融服务成本,创新发展农村金融服务的模式等。
[Abstract]:In order to realize the reform of rural finance in China, the first important goal is to improve the level of rural financial services and to continuously promote the comprehensive coverage of rural finance. In recent years, more and more attention has been paid to the role of financial services in promoting regional economic development, especially in the rural areas of developing countries, the role of financial services in promoting regional economy is even more obvious. Scholars both at home and abroad have long been devoted to the study of the macro direction of rural finance in developing countries, and have explored the measuring methods and influencing factors of the level of financial services. It provides an important theoretical basis for the use of financial policy to improve the level of economic development of a country or region. The main content of this paper is to establish the evaluation system of rural financial service level in Heilongjiang Province based on the research results of domestic and foreign scholars, and then to evaluate the level of rural financial service in Heilongjiang Province by using this index system. In order to obtain the general situation of rural financial services in Heilongjiang Province, In this part, the representative indexes of financial service supply and demand are selected to evaluate the rural financial service level of 67 counties (cities) in Heilongjiang Province in 2015 according to IFI index analysis. The results show that the overall service level of rural finance in Heilongjiang is relatively low, and only five counties (cities) such as Suifenhe are at a higher level. In addition, this paper studies and analyzes the multiple factors that affect the quality of rural financial services in Heilongjiang Province. With reference to the domestic and foreign studies on the factors affecting the level of financial services, the hypothesis is put forward, and the panel data model is used to test it empirically. The empirical results show that among the many factors that affect the level of rural financial services in a certain area, the level of economic development, the level of development and protection of medical system, the employment rate, the level of development of the region's economy, the level of health care system, the level of employment, Information technology level and urbanization level have very obvious positive correlation to it. The policy implications of this study on the level of rural financial services in Heilongjiang Province are as follows: the key to improving the level of rural financial services in Heilongjiang Province lies in strengthening the construction of rural financial infrastructure. Efforts to improve the capacity of credit services, effectively reduce the cost of financial services, innovative development of rural financial services, and so on.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
本文编号：2155259
[Abstract]:In order to realize the reform of rural finance in China, the first important goal is to improve the level of rural financial services and to continuously promote the comprehensive coverage of rural finance. In recent years, more and more attention has been paid to the role of financial services in promoting regional economic development, especially in the rural areas of developing countries, the role of financial services in promoting regional economy is even more obvious. Scholars both at home and abroad have long been devoted to the study of the macro direction of rural finance in developing countries, and have explored the measuring methods and influencing factors of the level of financial services. It provides an important theoretical basis for the use of financial policy to improve the level of economic development of a country or region. The main content of this paper is to establish the evaluation system of rural financial service level in Heilongjiang Province based on the research results of domestic and foreign scholars, and then to evaluate the level of rural financial service in Heilongjiang Province by using this index system. In order to obtain the general situation of rural financial services in Heilongjiang Province, In this part, the representative indexes of financial service supply and demand are selected to evaluate the rural financial service level of 67 counties (cities) in Heilongjiang Province in 2015 according to IFI index analysis. The results show that the overall service level of rural finance in Heilongjiang is relatively low, and only five counties (cities) such as Suifenhe are at a higher level. In addition, this paper studies and analyzes the multiple factors that affect the quality of rural financial services in Heilongjiang Province. With reference to the domestic and foreign studies on the factors affecting the level of financial services, the hypothesis is put forward, and the panel data model is used to test it empirically. The empirical results show that among the many factors that affect the level of rural financial services in a certain area, the level of economic development, the level of development and protection of medical system, the employment rate, the level of development of the region's economy, the level of health care system, the level of employment, Information technology level and urbanization level have very obvious positive correlation to it. The policy implications of this study on the level of rural financial services in Heilongjiang Province are as follows: the key to improving the level of rural financial services in Heilongjiang Province lies in strengthening the construction of rural financial infrastructure. Efforts to improve the capacity of credit services, effectively reduce the cost of financial services, innovative development of rural financial services, and so on.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
【参考文献】
相关期刊论文 前10条
1 田杰;陶建平;;社会经济特征、信息技术与农村金融排除——来自我国1765个县(市)的经验证据[J];当代经济科学;2012年01期
2 田杰;陶建平;;我国农村金融发展与城乡收入差距关系研究——来自县(市)面板数据的经验证据[J];中国流通经济;2011年10期
3 田霖;;我国城乡居民金融包容与福利变化的营养经济学探析[J];金融理论与实践;2011年09期
4 郭红东;陈敏;韩树春;;农民专业合作社正规信贷可得性及其影响因素分析——基于浙江省农民专业合作社的调查[J];中国农村经济;2011年07期
5 高沛星;王修华;;我国农村金融排斥的区域差异与影响因素——基于省际数据的实证分析[J];农业技术经济;2011年04期
6 王修华;邱兆祥;;农村金融发展对城乡收入差距的影响机理与实证研究[J];经济学动态;2011年02期
7 杜伟;熊学萍;石礼娟;;农村金融服务水平评价指标体系探讨[J];中国农村金融;2011年01期
8 胡元聪;杨秀清;;农村金融正外部性的经济法激励——基于完善农村金融法律体系的视角[J];农业经济问题;2010年10期
9 王修华;邱兆祥;;农村金融排斥:现实困境与破解对策[J];中央财经大学学报;2010年10期
10 孔荣;陈传梅;衣明卉;;农户正规信贷可得性影响因素的实证分析——以陕西省756户农户的调查为例[J];农业经济与管理;2010年03期
，本文编号：2155259
本文链接：https://www.wllwen.com/jingjilunwen/huobiyinxinglunwen/2155259.html
