安徽省农村金融发展对农民生活质量影响的实证研究

发布时间：2018-01-08 02:31

本文关键词：安徽省农村金融发展对农民生活质量影响的实证研究　出处：《安徽农业大学》2016年硕士论文　论文类型：学位论文

【摘要】：安徽省是农业大省,“三农”问题是关系到省内经济平稳增长和社会和谐的基本问题。随着全国农村金融改革的进程,安徽省努力完善金融支农体系,为推动“三农”发展提供了强劲助力。然“以人为本”是事物发展的核心与目的,不论是新农村建设提出的“生产发展、生活宽裕”、还是美好乡村规划所要求的“乡景秀美、环境宜居”,其实质内容皆可归纳成为提高农民生活质量的问题。因此,农村金融是否能真正起到支农作用,最终还是要看其对农民生活的改善力度。针对农村金融发展对农民生活质量的影响问题,本文主要按照以下思路展开具体研究:首先,回顾农村金融发展与农民生活质量相关理论,对二者的基本概念、基本内容进行适当界定;并从影响机理及影响途径两方面阐明农村金融发展对改善农民生活质量的积极作用;同时通过对安徽省农民生活质量现状以及财政支农的不足进行分析,说明改善安徽省农民生活质量的必要性以及金融支持改善农民生活的重要意义。其次,借助统计年鉴及相关项目调研资料,对安徽省农村金融进行供给与需求层面的分析;同时从信贷配给的角度出发,通过与全国其他30个省份的对比,来探讨安徽省农村金融供给对农村金融需求的满足程度;并结合安徽省农村金融供、需的真实情况,来明确安徽省农村金融支农不足的具体表现。再次,从实证出发,以客观视角,构建农村金融发展指标以及农民生活质量指标体系,运用因子分析法及计量分析法,着重研究安徽省农村金融与农民生活质量的关系以及金融支农的实际效果,结果表明:无论长期还是短期,安徽省农村金融规模的扩大均有助于农民生活质量的提高,但农村金融效率对农民生活质量的影响并不显著,甚至起到了抑制作用;同时,与其他省份的对比分析表明:安徽省农村金融涉农贷款规模较小,相对的,农民生活质量也相对较差。最后,总结上述分析,以提高安徽省农民生活质量为目的,提出了加强农村金融对农业生产的支持力度,增加农村消费信贷供给,加大农村金融对农村基础设施及环境建设的资金投入等方面的政策建议。另外,考虑到我国不同地区在经济、文化、社会等多方面所呈现的明显差异,仅仅研究安徽省的状况太过于片面,结果说服力也不强。所以,在写作过程中,本文通过对比分析的方法对部分内容进行细致研究,继而方便进一步找出安徽省农村金融支农力量的薄弱之处,从而提出更具针对性的改善意见。
[Abstract]:Anhui province is a major agricultural province, the "three rural issues" is related to the steady growth in the economic and social harmony. With the basic problems of rural financial reform in Anhui province to improve the financial support system, provides a strong support to promote the development of "three agriculture". However, "people-oriented" is the core and purpose of the development of things whether it is the development of production, the new rural construction of the "well-off life", or a better rural planning requirements of "Xiang Jing beautiful, livable environment", in essence can be summarized as to improve the quality of life of farmers in rural financial problems. Therefore, whether it can really play a role in supporting agriculture, ultimately depends on its on the improvement of farmers' life force. Aiming at the problem of rural financial development impact on the quality of life of farmers, according to the following ideas: first, the specific research review of rural financial development and farmers Theory of life quality, the basic concepts of the two, the basic content is properly defined; and to clarify the positive effect of rural financial development to improve the quality of life of farmers from the two aspects of influence mechanism and the influence way; also we compare the quality of life of farmers in Anhui province and the status of financial support shortage analysis shows the necessity of improving the quality of farmers living in Anhui province and the significance of the financial support to improve the lives of farmers. Secondly, by means of statistics and related research projects, analysis of rural finance in Anhui province for the supply and demand level; at the same time, starting from the perspective of credit rationing, compared with the other 30 provinces, to investigate the satisfaction degree of the rural financial supply in Anhui on the demand of rural finance; combined with the Anhui province rural financial supply, the real situation of the rural finance supporting agriculture in Anhui province to clear out the deficiencies Body performance. Thirdly, from the empirical point, in an objective perspective, the construction of rural financial development index and the farmers' life quality index system, using factor analysis method and quantitative analysis method, focuses on the research of Anhui Province Rural Finance and farmers' quality of life and the relationship between the financial supporting actual effect, results show that: whether long-term or short-term, Anhui province the expansion of the scale of rural finance can help farmers to improve the quality of life, but the impact on the quality of life of farmers in rural financial efficiency is not significant, even to suppress; at the same time, compared with other provinces in Anhui Province showed that the rural finance agricultural loan scale is small, relatively, the quality of life of farmers is relatively poor at last. Summary, the above analysis, in order to improve the quality of life of farmers in Anhui province for the purpose, put forward to strengthen the rural financial support for agricultural production, increase rural consumer credit Increase the supply of rural infrastructure and environmental construction funds and other aspects of policy recommendations. In addition, taking into account the different regions of China in the economic, cultural, social and other significant differences in many aspects, the only study of the situation in Anhui province is too one-sided, the force is not strong. So, in in the process of writing, this method through analyzing the detailed study on the part of the contents, and then further to find out the weakness of convenient rural financial strength in Anhui Province, and put forward targeted improvements.

【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35;F323.6

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