农业信贷配给的减贫效应研究

发布时间：2018-04-19 15:23

本文选题：信贷配给 + 贫困减缓　；参考：《安徽工业大学》2017年硕士论文

【摘要】：改革开放以来,国家各级政府采用各种反贫困政策以缓解农村地区贫困,并已取得举世瞩目的成绩。但扶贫脱贫工作依然严峻,现已进入攻坚拔寨的关键冲刺期。农村金融与农业经济发展、社会主义新农村建设乃至农村扶贫减贫等各个方面都有着千丝万缕的关系。尤其是金融扶贫政策的实施对农村地区贫困的缓解起着不可忽视的作用。而信贷配给作为农村金融的关键核心要素,其也会对农村地区贫困产生潜移默化的影响。本文以信贷配给为出发点,分析其与农村地区贫困的关系。与此同时,运用面板门槛模型和空间计量模型进行实证分析,并就实证分析结果提出相关政策建议,将有助于提出力度更大、针对性更强、作用更为直接的扶贫减贫措施,做到精准扶贫、精准脱贫。本文研究的主要结论是:首先,在空间内部,不同地区、不同经济发展水平下,农业信贷配给的减贫效应显著不同;其次,在空间外部,我国农村地区贫困存在显著的空间相关性,农业信贷配给程度与农村地区贫困呈现显著正相关关系,农业信贷配给程度、政府经济行为、人力资本投资、产业结构、农业生产资料等方面的差异,是农村地区贫困程度产生地区间差异的重要原因。研究结论启示我们:第一,地区信贷支农政策的制定应充分考虑相邻地区的农村贫困程度及相关因素的影响,使本地区和周边地区的政策施行发挥协同作用;第二,应充分发挥地区农村金融机构的支农作用,在加大信贷支持力度的同时,更应注重地区征信体系建设,减少信息不对称程度,提高信贷支农的效率;第三,应动态调整地方政府经济参与程度,增加人力资本投资,优化产业结构,推动农业规模化和现代化生产进程,为缓解农村地区贫困创造有力的外部环境。最后,从规范信贷投向、金融产品与服务创新、政府助推农村资产抵押等三个方面,提出差别化信贷减贫体系构建的政策建议。
[Abstract]:Since the reform and opening up, governments at all levels have adopted various anti-poverty policies to alleviate poverty in rural areas, and have achieved remarkable results.But poverty relief work is still grim, has entered a critical sprint period.Rural finance is closely related to the development of agricultural economy, the construction of new socialist countryside and the poverty reduction in rural areas.Especially the implementation of financial poverty alleviation policy plays an important role in alleviating poverty in rural areas.As a key element of rural finance, credit rationing has a subtle impact on rural poverty.This paper analyzes the relationship between credit rationing and poverty in rural areas.At the same time, the use of panel threshold model and spatial measurement model for empirical analysis, and the results of the empirical analysis of relevant policy recommendations, will help to put forward stronger, more targeted, more direct poverty reduction measures.To achieve precision poverty alleviation, accurate poverty relief.The main conclusions of this paper are as follows: firstly, the effect of agricultural credit rationing on poverty reduction is significantly different within space, different regions and different levels of economic development; secondly, outside the space,There is a significant spatial correlation between poverty in rural areas, agricultural credit rationing degree and poverty in rural areas, agricultural credit rationing degree, government economic behavior, human capital investment, industrial structure.The difference in agricultural means of production is an important reason for the regional differences in poverty in rural areas.The conclusions suggest that: first, the formulation of regional credit policy to support agriculture should take full account of the degree of rural poverty in neighboring areas and the impact of relevant factors, so that the policy implementation in the region and surrounding areas play a synergistic role; second,We should give full play to the role of regional rural financial institutions in supporting agriculture, while increasing credit support, at the same time, we should pay more attention to the construction of regional credit information system, reduce the degree of information asymmetry, and improve the efficiency of credit support for agriculture; third,It is necessary to dynamically adjust the degree of economic participation of local governments, increase investment in human capital, optimize industrial structure, promote the process of large-scale and modernized agricultural production, and create a strong external environment for alleviating poverty in rural areas.Finally, the paper puts forward some policy suggestions on the construction of differential credit poverty reduction system from three aspects: standardizing credit investment, innovating financial products and services, and promoting rural asset mortgage by the government.
【学位授予单位】：安徽工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F323.8;F832.4

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