陕西省农村金融支持农村经济发展研究

发布时间：2018-05-11 12:52

本文选题：金融支持 + 农村经济　；参考：《西北农林科技大学》2015年硕士论文

【摘要】：农村经济发展情况决定了农村金融发展程度,而农村经济发展的速度又受到农村金融发展状况的极大影响。研究农村金融发展与农村经济增长间的关系,对于探究更有效的农村金融支持农村经济发展的路径和对策,充分发挥农村金融支持农村经济发展的影响作用具有重要意义。本文以陕西省农村金融业发展相对较差,并限制了农村经济发展水平为大背景,在综合研究国内外农村金融理论的基础上,对陕西省自2001年以来农村金融和农村经济发展的实际状况进行了SWOT分析和实证分析。SWOT分析结论为:正规农村金融机构应当充分利用优惠扶持政策促进农村经济发展,发挥自身独特优势,管控资金流向,加大对金融机构融资的宣传力度,增加信贷供给额度,推动农村经济稳步发展;非正规农村金融机构应当提升资产品质以及增投净资本等方式消除和降低风险。实证分析结论为:从农村金融相关比率的情况反映出改革开放以来陕西省农村金融已经获得了很大发展;从农村金融发展效率水平来看,陕西省农村金融的资金配置效率不高,即现有的农村正规金融机构从农村地区吸收的资金量远高于投入农村地区的资金量,农村经济发展仍面临资金缺乏的困境。在对陕西省农村金融支持农村经济发展的理论和实证的基础上,文章详述了制约陕西省农村金融支持农村经济发展的金融市场结构、农村金融供给、金融生态环境、农村信用社支农服务等因素,并分析归纳了比较收益较低导致农村金融结构调整缓慢、供给不足导致对农村经济的推动力不足、城乡二元金融结构造成农村金融发展严重滞后、市场竞争秩序不完善导致市场效率低下等四种制约原因。最后,文章提出了“优化农村金融市场结构,改善金融服务经济的效果;改善金融生态环境,促进金融支持与经济发展对接;突出金融支持重点,调整优化农村产业结构;把握农村形势,强化政策性金融支农力度;金融支持农业人才教育,充实农村人力资源”等五条农村金融支持农村经济发展的结论及建议。
[Abstract]:The development of rural economy determines the degree of rural financial development, and the speed of rural economic development has been greatly influenced by the situation of rural financial development. The study of the relationship between rural financial development and rural economic growth is the way to explore more effective rural financial support for rural economic development and give full play to rural finance. The impact of supporting rural economic development is of great significance. In this paper, the development of rural financial industry in Shaanxi province is relatively poor, and the development level of rural economy is limited. On the basis of comprehensive research on the domestic and foreign rural financial theory, the actual situation of the rural financial and rural economic development since 2001 has been carried out in Shaanxi province. SWOT analysis and empirical analysis of.SWOT analysis concluded that the formal rural financial institutions should make full use of preferential policies to promote the development of rural economy, play their own unique advantages, control the flow of funds, increase the publicity of financial institutions, increase the amount of credit supply, and promote the steady development of the rural economy; the informal rural financial machinery. The conclusion is that the rural finance of Shaanxi province has been greatly developed since the reform and opening up. From the level of rural financial development efficiency, the allocation efficiency of rural finance in Shaanxi province is not good. High, that is, the amount of funds absorbed by the existing rural formal financial institutions from rural areas is far higher than the amount of funds invested in rural areas, and the development of rural economy still faces the plight of lack of funds. On the basis of the theory and empirical analysis of rural financial support for rural economy in Shaanxi Province, the article details the restriction of rural finance in Shaanxi province to support the rural areas. The financial market structure of economic development, the rural financial supply, the financial ecological environment, the rural credit cooperatives and other factors, and the analysis and induction that the relatively low income has led to the slow adjustment of the rural financial structure, the shortage of supply leads to the lack of impetus to the rural economy, and the urban and rural two yuan financial structure has caused the rural financial development to lag seriously. In the end, the article puts forward "optimizing the structure of the rural financial market, improving the effect of the financial service economy, improving the financial ecological environment, promoting the docking of financial support and economic development, focusing on the focus of financial support, adjusting and optimizing the rural industrial structure, and grasping the rural situation," in the end. The conclusion and suggestions of five rural financial support for rural economic development, such as strengthening policy oriented financial support for agriculture, supporting agricultural talents education, enriching rural human resources and so on.

【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35;F327

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