我国微型金融对农村减贫的影响研究

发布时间：2018-06-30 17:58

本文选题：微型金融 + 贫困减缓　；参考：《西北大学》2015年硕士论文

【摘要】：微型金融作为一种为穷人提供金融服务、帮助其摆脱贫困的创新工具与制度,自诞生起,在全球范围内获得了快速发展,其所取得的成就与发展为业界与学术界广泛关注。微型金融以贫困和低收入人群为目标客户,为他们提供持续可得的金融服务。微型金融机构主要是通过不同于正规金融组织的形式、工具和制度创新,为贫困人口和小微企业,提供一系列旨在帮助穷人提高收入、平滑消费、管理风险、支持生产的金融服务。我国的微型金融机构的现状怎样?微型金融机构减缓贫困的影响作用如何?微型金融减缓贫困的作用途径和机制是什么?本文将主要对这些问题进行探讨研究。本文首先对微型金融的基本理论及贫困的相关概念进行了阐述,主要界定了微型金融的内涵,功能及微型金融机构的类型,并从理论层面探讨了微型金融的减贫作用。其次,本文介绍了我国微型金融发展的现状及我国农村的贫困现状,并疏导了微型金融机构减贫的具体途径。在此基础上,本文采用了时间序列分析方法,以农村信用社1978-2012年的数据为例,对我国微型金融机构对农村贫困的减缓作用进行了计量检验,实证分析结果表明,在长期,微型金融的发展对农村贫困的减缓有着显著的促进作用,而在短期,这种作用并不明显。再次,本文对国外微型金融机构减贫的成功经验进行了梳理,总结了这些成功经验对我国微型金融减贫的启示。最后,结合我国实际情况,对我国微型金融的发展提出了政策建议。本文研究的创新点及现实意义主要在于构建了微型金融对农村减贫影响的分析框架以及对我国微型金融对农村减贫的影响效果进行了实证检验,并基于此提出了我国微型金融减贫的相关政策建议。
[Abstract]:As an innovative tool and system to provide financial services to the poor and help them out of poverty, micro-finance has developed rapidly in the world since its birth, and its achievements and development have been widely concerned by the industry and academia. Microfinance targets poor and low-income people and provides them with sustainable financial services. Microfinance institutions provide a range of initiatives aimed at helping poor people and small and micro enterprises to raise incomes, smooth consumption and manage risks, mainly through innovations in the form of instruments and institutions that differ from formal financial organizations. Support production of financial services. What is the status quo of microfinancial institutions in China? What is the impact of MFIs on poverty alleviation? What are the ways and mechanisms of microfinance to alleviate poverty? This paper will mainly discuss these problems. In this paper, the basic theory of micro-finance and the related concepts of poverty are expounded, the connotation, function and types of micro-financial institutions are defined, and the role of micro-finance in poverty reduction is discussed theoretically. Secondly, this paper introduces the present situation of the development of micro-finance in China and the present situation of poverty in rural areas in China, and unlocks the specific ways of poverty reduction in micro-financial institutions. On this basis, this paper uses the time series analysis method, taking the data of rural credit cooperatives from 1978 to 2012 as an example, carries on the econometric test to the alleviation effect of the micro-financial institutions to the rural poverty in our country. The empirical analysis results show that, in the long run, The development of microfinance has a significant contribution to the alleviation of rural poverty, but in the short term, this role is not obvious. Thirdly, this paper reviews the successful experiences of foreign microfinance institutions in reducing poverty, and summarizes the enlightenment of these successful experiences to the poverty reduction of micro-finance in China. Finally, according to the actual situation of our country, some policy suggestions on the development of microfinance in China are put forward. The innovation and practical significance of this paper mainly lie in the construction of the analysis framework of the impact of micro-finance on rural poverty reduction and the empirical test of the effect of micro-finance on rural poverty reduction in China. Based on this, this paper puts forward the relevant policy recommendations on poverty reduction in micro finance in China.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.3;F323.8

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