非正规金融与农村经济增长关系的研究

发布时间：2018-05-31 03:05

本文选题：非正规金融 + 正规金融　；参考：《上海海洋大学》2015年硕士论文

【摘要】：非正规金融目前在发达国家也存在,而不仅仅在发展中国家和地区普遍存在。农村的主要产业结构在20世纪80年代以来有了重大调整,比如说个体和私营企业规模逐渐壮大;第二、第三产业的投入比重有明显的提升;对农业方面的投资和高科技的引用也在不断提高,并且严格要求资金融入的方式方法、规模大小和操作过程。农村经济的增长至始至终都缺少不了农村金融的支持,包括非正规金融。非正规金融目前在经济社会中大范围存在,对经济社会的发展有着巨大的影响,特别是对农村经济的增长,占据着非常重要的角色。不管是研究金融发展和经济增长之间的关系,还是研究微观层面和宏观层面方向的关系,这两方面的研究都十分具有意义,因为当前的农村金融在不断的改革,且在不断的深化。为了更好的完善当前的金融体系,以及发展金融市场,必须清楚了解非正规金融,并且知道非正规金融与农村经济增长之间的关系,这样才能让非正规金融更好的服务于“三农”。毋庸置疑,我国经济结构具有二元性,使得金融也具有一定的二元特性,特别是在目前我国的金融市场化程度不高、金融体系欠缺健全、农村资金短缺的情况下,如果只有正规金融,根本无法满足农村经济发展的需求,再加上政府实施一些金融抑制政策,都促进了非正规金融的产生以及为非正规金融的发展埋下了伏笔。非正规金融是相对于正规金融而言的,虽然它是存在于政策体制之外的金融体系,它的发展存在众多弊端,甚至会经常影响到国家的宏观调控及政策的制定。但是,只要非正规金融对经济发展有促进作用,能影响到经济的良性发展,那就不能忽略非正规金融的存在。本文基于相关理论基础,包括金融发展理论、农村金融发展理论、经济发展理论,阐述了非正规金融的定义、目前存在的形式以及产生的理论依据,并对非正规金融如何促进农村经济增长的作用进行了分析;利用正规金融的统计数据指标和非正规金融的非统计指标数据,并使用Eviews计量软件进行了实证分析,实证分析的结果是非正规金融与农村经济增长存在长期稳定的均衡关系,且这种关系是一个单向的因果关系,即非正规金融单方面的促进了农村经济的增长,另一方面,农村经济增长对非正规金融的发展却没有很大的相关性;最后根据实证分析的结果,并结合非正规金融自身的优点和缺点,提出了相关非正规金融发展的政策建议,包括为非正规金融提供法律制度保障、加强非正规金融的内部控制和外部监管、完善非正规金融和正规金融的补充以及吸收借鉴国外非正规金融的经验等。
[Abstract]:Informal finance also exists in developed countries, not in developing countries and regions. The main industrial structure in rural areas has been greatly adjusted since 1980s, for example, the scale of individual and private enterprises has grown gradually, second, the proportion of the tertiary industry has obviously increased. Investment in agriculture and the use of high technology are also increasing, and the way, scale and operation of capital integration are strictly required. Rural economic growth until the end of the lack of rural finance support, including informal finance. At present, informal finance exists on a large scale in economic society, which has a great influence on the development of economic society, especially on the growth of rural economy, which occupies a very important role. Whether it is to study the relationship between financial development and economic growth, or to study the relationship between micro-level and macro-level direction, these two aspects are of great significance, because the current rural finance is constantly reforming. And in constant deepening. In order to better improve the current financial system and develop financial markets, it is necessary to have a clear understanding of informal finance and the relationship between informal finance and rural economic growth. Only in this way can informal finance better serve the three rural areas. There is no doubt that the economic structure of our country has duality, which makes finance have certain dualistic characteristics, especially in the current situation where the degree of financial marketization is not high, the financial system is not sound, and the rural capital is short. If only formal finance can not meet the demand of rural economic development and the government implements some financial suppression policies, it will promote the emergence of informal finance and lay the groundwork for the development of informal finance. The informal finance is relative to the formal finance, although it exists in the financial system outside the policy system, its development has many disadvantages, even will often affect the national macro-control and policy formulation. However, as long as informal finance can promote economic development and affect the benign development of economy, the existence of informal finance can not be ignored. Based on the relevant theoretical basis, including financial development theory, rural financial development theory, economic development theory, this paper expounds the definition of informal finance, the existing forms and the theoretical basis for its production. It also analyzes the role of informal finance in promoting rural economic growth, makes use of the statistical data indicators of formal finance and non-statistical indicators of informal finance, and makes an empirical analysis by using Eviews econometric software. The result of empirical analysis is that informal finance and rural economic growth have a long-term stable equilibrium relationship, and this relationship is a one-way causality, that is, informal finance unilaterally promotes rural economic growth, on the other hand, Rural economic growth has no great relevance to the development of informal finance. Finally, according to the results of empirical analysis, combined with the advantages and disadvantages of informal finance, the paper puts forward some policy recommendations on the development of informal finance. It includes providing legal system guarantee for informal finance, strengthening the internal control and external supervision of informal finance, perfecting the supplement of informal finance and formal finance, and absorbing the experience of foreign informal finance.
【学位授予单位】：上海海洋大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832;F320

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