我国农村金融资源配置功能问题与优化研究
发布时间：2018-09-03 06:54
【摘要】：我国农产品产量的高速增长并没有带动农业经济的高速增长,农村居民的收入和消费数据虽然都在持续增长,但是相比城市居民的收入和消费情况,则是相对下降。我国农村经济发展的“瓶颈”是存在资金、资源问题,根源是资源无法在农村得到有效配置,投入资源的利用率较低,而城乡差距、改革阻力制约着农村金融资源的合理配置。农村金融资源配置的合理化对农村金融发展以及农村经济增长都存在明显的推动作用,“发展现代农业”和“改革”在三农问题中占有突出位置。“三农”问题一直存在于社会现代发展中,如何解决好这一问题也是长久讨论的焦点。金融资源是我国农村经济的核心,在解决我国“三农”问题中的作用不可替代。金融组织体系的基本功能是金融资源在时间和空间上的配置,农村金融资源配置的合理化程度决定着农村金融发展速度,需完善我国农村的金融资源配置功能以促进农村金融和经济的发展。本文以金融功能观及效率论为基础,利用DEA-Tobit二阶段模型对我国农村金融资源配置效率进行理论和实证分析,了解我国农村金融资源配置效率的问题并且分析其影响因素。通过HP滤波模型,将时间截面数据分解出趋势成分和周期波动成分,纵向比较我国历年农村金融资源配置数据,通过数据分析明确我国农村金融资源配置现状及趋势,通过定性与定量分析农村金融资源配置功能存在的问题,从我国农村的资金配置、供需状况、金融机构、非正规金融以及互联网金融等方面,深入分析农村金融资源配置中现存的问题及引起问题的原因。将金融资源配置优化模型运用到分析完善农村金融资源配置的问题中,对比理论模型数据与现实数据,对比可获取金融数据的权重,分析结果。结合已有的农村金融资源配置经验,借鉴已有的研究成果,提出农村金融资源配置的改善建议。从配置体系、政策支持、机构本身及监管体制等方面,建议发展农村金融资源配置的多层次多渠道化以提供有力的资金支持、金融支持;扩大政府政策支持广度,继续向三农倾斜;以严格防范监管为前提,适当放宽市场准入门槛,促使非正规金融正规化;保证农村金融活动有章可循,以法律形式明确农村金融组织形式、农村互联网金融主体等方面问题,完善农村金融资源配置功能。
[Abstract]:Although the data of rural residents' income and consumption continue to increase, compared with urban residents' income and consumption, it is relatively lower. The "bottleneck" of rural economic development in China is the existence of funds and resources, the root of which is that the resources cannot be effectively allocated in rural areas, and the utilization rate of input resources is low. However, the gap between urban and rural areas and the resistance to reform restrict the rational allocation of rural financial resources. The rationalization of the allocation of rural financial resources plays an important role in promoting rural financial development and rural economic growth, and "developing modern agriculture" and "reform" play a prominent role in the three rural issues. The problem of "agriculture, countryside and farmers" has always existed in the modern development of society, and how to solve this problem is also the focus of discussion for a long time. Financial resources are the core of our country's rural economy, and their role in solving the problems of agriculture, countryside and farmers is irreplaceable. The basic function of financial organization system is the allocation of financial resources in time and space. The rationalization of rural financial resources allocation determines the speed of rural financial development. In order to promote the development of rural finance and economy, it is necessary to perfect the allocation function of rural financial resources. Based on the view of financial function and the theory of efficiency, this paper makes a theoretical and empirical analysis of the allocation efficiency of rural financial resources in China by using DEA-Tobit two-stage model to understand the problems of the allocation efficiency of rural financial resources in China and analyze its influencing factors. Through the HP filter model, the time section data is decomposed into the trend component and the periodic fluctuation component, the longitudinal comparison of the rural financial resources allocation data of our country over the years, through the data analysis, the present situation and the trend of the rural financial resources allocation in our country are clarified. Through qualitative and quantitative analysis of the problems existing in the function of rural financial resources allocation, from the aspects of rural capital allocation, supply and demand situation, financial institutions, informal finance and Internet finance, etc. Deeply analyze the existing problems in the allocation of rural financial resources and the causes of the problems. The optimization model of financial resources allocation is applied to analyze and perfect the allocation of rural financial resources. The theoretical model data and the real data are compared, the weights of the financial data are compared and the results are analyzed. Based on the experience of rural financial resources allocation and the existing research results, the paper puts forward some suggestions to improve the allocation of rural financial resources. From the aspects of allocation system, policy support, institution itself and supervision system, it is suggested to develop multi-level and multi-channel allocation of rural financial resources in order to provide strong financial and financial support, expand the breadth of government policy support, Continue to tilt towards agriculture, rural areas and farmers; on the premise of strict supervision and control, appropriately relax the threshold of market access, promote the regularization of informal finance; ensure that rural financial activities are rule-based, and define the forms of rural financial organizations in the form of laws. Rural Internet financial subjects and other issues, improve the allocation of rural financial resources function.
【学位授予单位】：江南大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
[Abstract]:Although the data of rural residents' income and consumption continue to increase, compared with urban residents' income and consumption, it is relatively lower. The "bottleneck" of rural economic development in China is the existence of funds and resources, the root of which is that the resources cannot be effectively allocated in rural areas, and the utilization rate of input resources is low. However, the gap between urban and rural areas and the resistance to reform restrict the rational allocation of rural financial resources. The rationalization of the allocation of rural financial resources plays an important role in promoting rural financial development and rural economic growth, and "developing modern agriculture" and "reform" play a prominent role in the three rural issues. The problem of "agriculture, countryside and farmers" has always existed in the modern development of society, and how to solve this problem is also the focus of discussion for a long time. Financial resources are the core of our country's rural economy, and their role in solving the problems of agriculture, countryside and farmers is irreplaceable. The basic function of financial organization system is the allocation of financial resources in time and space. The rationalization of rural financial resources allocation determines the speed of rural financial development. In order to promote the development of rural finance and economy, it is necessary to perfect the allocation function of rural financial resources. Based on the view of financial function and the theory of efficiency, this paper makes a theoretical and empirical analysis of the allocation efficiency of rural financial resources in China by using DEA-Tobit two-stage model to understand the problems of the allocation efficiency of rural financial resources in China and analyze its influencing factors. Through the HP filter model, the time section data is decomposed into the trend component and the periodic fluctuation component, the longitudinal comparison of the rural financial resources allocation data of our country over the years, through the data analysis, the present situation and the trend of the rural financial resources allocation in our country are clarified. Through qualitative and quantitative analysis of the problems existing in the function of rural financial resources allocation, from the aspects of rural capital allocation, supply and demand situation, financial institutions, informal finance and Internet finance, etc. Deeply analyze the existing problems in the allocation of rural financial resources and the causes of the problems. The optimization model of financial resources allocation is applied to analyze and perfect the allocation of rural financial resources. The theoretical model data and the real data are compared, the weights of the financial data are compared and the results are analyzed. Based on the experience of rural financial resources allocation and the existing research results, the paper puts forward some suggestions to improve the allocation of rural financial resources. From the aspects of allocation system, policy support, institution itself and supervision system, it is suggested to develop multi-level and multi-channel allocation of rural financial resources in order to provide strong financial and financial support, expand the breadth of government policy support, Continue to tilt towards agriculture, rural areas and farmers; on the premise of strict supervision and control, appropriately relax the threshold of market access, promote the regularization of informal finance; ensure that rural financial activities are rule-based, and define the forms of rural financial organizations in the form of laws. Rural Internet financial subjects and other issues, improve the allocation of rural financial resources function.
【学位授予单位】：江南大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
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