农村金融服务与农民收入关系研究

发布时间：2018-01-29 05:24

本文关键词： 农村金融服务农民收入实证分析　出处：《辽宁大学》2015年硕士论文　论文类型：学位论文

【摘要】：作为现代经济社会核心的金融能够提高资源配置效率,优化社会资源的配置,金融服务正在影响着经济社会的方方面面。我国目前面临着严峻的“三农”问题,“三农”问题中最重要的是如何提高农民收入,它的实现离不开农村金融的发展。那么,农村金融服务与农民收入二者又有着怎样的关系?我国现阶段农村地区金融服务领域的发展情况如何?农村金融服务的水平的提升是否能够对农民收入有促进增长的作用,增长的程度是怎样的?这使得探讨农村金融服务与农民收入二者的关系有着重大的意义。本文旨在对农村金融服务与农民收入二者关系进行研究,文章的基本研究思路是:首先,进行农村金融服务理论概述,通过研究国内外相关文献,确定农村金融服务测算方法和指标选取;其次,选取评价农村金融服务水平的各项经济学指标,通过主成分分析法,运用SPSS计量软件计算中国农村金融服务水平;再次,采用计量分析方法对中国农村金融服务与农民收入的相关性关系进行实证分析,经过计量分析后得出相关的实证结论;最后得出文章的结论并且提出政策建议。研究结论包括:(1)本文选取千人拥有银行机构网点数、千人拥有银行机构服务人员数、人均储蓄存款额、人均涉农贷款额、保险公司农业保险保费收入、保险公司农业保险赔款及给付、国家财政支农支出共七个指标来测算农村金融服务水平。测算结果显示,经过长期的发展,我国在提升农村金融服务的水平方面获得显著的成绩,我国农村金融服务水平在一直提升。然而,在广大农村地区,农村金融服务在促进农民收入提高的过程中依然存在着很多问题需要去解决。(2)几十年来我国农村经济取得了巨大的进步,农村居民的收入水平也持续升高。但是,现阶段我国农民人均纯收入还处在非常低的水平下,增长速度缓慢并且收入差距明显。(3)由实证结果可以得到:我国农村金融服务与农民收入二者有一定的联系;农村金融服务水平对农民收入的正向作用较为显著;农民收入对农村金融服务水平有正向积极的作用,但是这种作用并不明显。
[Abstract]:As the core of modern economy and society, finance can improve the efficiency of resource allocation and optimize the allocation of social resources. Financial services are affecting all aspects of economic society. The most important problem in the "three rural areas" is how to improve the farmers' income, which can not be realized without the development of rural finance. So, what is the relationship between rural financial services and farmers' income? What is the development of financial services in rural areas in China at the present stage? Whether the level of rural financial services can promote the growth of farmers' income, what is the extent of the growth? This makes it of great significance to explore the relationship between rural financial services and farmers' income. This paper aims to study the relationship between rural financial services and farmers' income. The basic research ideas of this paper are as follows: first of all. The theory of rural financial services is summarized and the measurement methods and indicators of rural financial services are determined by studying the relevant literature at home and abroad. Secondly, select the economic indicators to evaluate the level of rural financial services, through the principal component analysis, the use of SPSS econometric software to calculate the level of rural financial services in China; Thirdly, the correlation between rural financial services and farmers' income is analyzed empirically by using the method of econometric analysis, and the relevant empirical conclusions are obtained after econometric analysis. Finally, the conclusion of the article and policy recommendations. The research conclusions include: 1) this paper selects thousands of people to own banking institutions network, thousands of people have banking institutions service staff, per capita savings deposits. Per capita agricultural loan amount, insurance company agricultural insurance premium income, insurance company agricultural insurance indemnity and payment, national financial expenditure to support agriculture to measure the level of rural financial services. After a long period of development, China has made remarkable achievements in improving the level of rural financial services. However, in the vast rural areas, the level of rural financial services has been rising. Rural financial services in the process of promoting the increase of farmers' income, there are still many problems to be solved.) in recent decades, China's rural economy has made great progress. The income level of rural residents also continues to rise. However, at this stage, the per capita net income of farmers in China is still in a very low level. The growth rate is slow and the income gap is obvious. 3) the empirical results show that there is a certain relationship between rural financial services and farmers' income; The positive effect of rural financial service level on farmers' income is significant. Farmers' income has a positive effect on the level of rural financial services, but this effect is not obvious.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35;F323.8

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