长行村镇银行对湘西州经济发展影响研究

发布时间：2018-01-23 21:34

本文关键词： 民族地区村镇银行农村金融经济增长影响　出处：《吉首大学》2014年硕士论文　论文类型：学位论文

【摘要】：村镇银行是在农村地区设立的主要为当地农民、农业和农村经济发展提供金融服务的银行业金融机构。村镇银行作为金融主体，加入到农村金融市场中，有利于完善农村金融体系，解决农村金融供给不足以及覆盖率低等问题。目前，村镇银行发展还还处于起步探索阶段，对农村经济的影响还未能显示出明显的作用，尤其是经济相对落后的民族地区，村镇银行对经济发展的推动作用以及作用大小都尚待通过计量的方法进行研究。湘西长行村镇银行是全国首家地市级村镇银行，在支持“三农”发展，解决小微企业融资难等方面发挥了积极作用。本文选取服务湘西土家族苗族自治州的长行村镇银行为范例，通过实证分析探讨村镇银行对湘西州经济发展的影响。本研究不仅丰富了村镇银行与经济增长的关系研究，同时，，对扩大村镇银行影响力有十分重要的现实意义。本文的主要内容包括五个部分；第一部分对国内外的研究现状进行概述和评论。第二部分列举了村镇银行与区域经济增长的相关理论与作用机理。第三部分在剖析长行村镇银行的发展现状的基础上，分析在支持湘西州经济发展过程中长行村镇银行存在的问题。第四部分对长行村镇银行对湘西州经济发展的影响进行定量分析，得出：长行村镇银行金融发展是湘西州经济增长的Granger原因，长行村镇银行金融发展对其经济增长有一定的促进作用；长行村镇银行金融发展规模、金融结构、金融效率与湘西州经济增长呈正相关，但是长行村镇银行对湘西州经济发展支持力度较弱。并分析了长行村镇银行对湘西州经济发展支持力度较弱的原因。第五部分扩大长行村镇银行经济影响力的对策与建议。本研究虽得到些结论，但是长行村镇银行成立时间较短，对其后续研究显得十分必要。
[Abstract]:Village bank is a banking financial institution established in rural areas which mainly provides financial services for local farmers, agriculture and rural economic development. As a financial subject, village banks join the rural financial market. It is beneficial to improve the rural financial system and solve the problems of insufficient rural financial supply and low coverage. At present, the development of village banks is still in the initial stage of exploration. The impact on the rural economy has not yet shown a clear role, especially in the relatively backward ethnic areas. The role of village banks in promoting economic development has yet to be studied by metrological methods. Xiangxi Changhang Village Bank is the first prefecture-level village bank in the country, which is supporting the development of "agriculture, countryside and farmers". This paper takes Changhang Village and Town Bank of Xiangxi Tujia and Miao Autonomous Prefecture as an example. This study not only enriches the relationship between village banks and economic growth, but also enriches the research on the relationship between village banks and economic growth. To expand the influence of village banks has very important practical significance. The main content of this paper includes five parts; The second part lists the theory and mechanism of village bank and regional economic growth. The third part analyzes the development of Changhang village bank. On the basis. This paper analyzes the problems existing in the process of supporting the economic development of Xiangxi. Part 4th quantitatively analyzes the impact of Changhang Village Bank on the economic development of Xiangxi. It is concluded that the financial development of Changhang Village Bank is the Granger cause of Xiangxi's economic growth, and the financial development of Changhang Village Bank has a certain role in promoting its economic growth. The scale of financial development, financial structure and financial efficiency of Changhang Village Bank are positively correlated with the economic growth of Xiangxi. But Changhang Village Bank has weak support for the economic development of Xiangxi, and analyzes the reasons for the weak support of Changhang Village Bank to the economic development of Xiangxi. 5th part of the expansion of Changhang Village Bank's economic influence. Although some conclusions have been drawn in this study. But the establishment time of Changhang Village Bank is short, so it is very necessary to study on it.
【学位授予单位】：吉首大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F127

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