河南省农村金融发展对城乡收入差距影响的实证研究

发布时间：2018-08-20 16:25

【摘要】：改革开放以来,河南省的经济飞速发展,居民生活质量得到了极大改善。2012年,河南省农村居民人均纯收入是7525元,是1978年的72倍。但是,随着经济的发展,河南省农村居民人均纯收入的增长远远低于城市居民人均可支配收入的增长,城乡收入差距不断扩大,并且有逐渐扩大的趋势。这种趋势如果任其扩大,会逐渐影响社会和谐,社会公平得不到保障。我们探索造成城乡收入差距扩大的原因,其中比较重要的原因就是河南省农村金融的发展问题。如何解决河南省农村金融发展的问题,找到问题根本,研究河南省农村金融发展的各个方面,具有非常重要的现实意义。论文从河南省农村的金融发展层面出发,阐述其与城乡收入差距的理论,对河南省农村金融发展造成城乡收入差距进行影响分析,提出农村金融发展的成效以及不足之处。运用1991-2011年的相关数据,建立VAR模型,通过实证研究河南省农村金融发展给河南省城乡收入差距带来的扩大影响。分析结果得出：河南省农村金融规模与城乡收入差距存在正相关,农村金融发展效率和农村经济发展水平与城乡收入差距存在负相关。最后,通过研究分析得出的结论,提出有关农村金融发展的政策建议：改革河南省农村金融体制机制,农村金融机构丰富化规范化,改善农村金融生态环境,加强公共基础设施建设,大力发展村镇银行,从多方面对农村企业个人提供相关金融支持,扶持小企业,督导农村金融体系的发展,进一步完善农村社会保障体系,以期促进农村金融发展,缩小城乡收入差距。
[Abstract]:Since the reform and opening up, the economy of Henan Province has developed rapidly, and the quality of life of the residents has been greatly improved. In 2012, the per capita net income of rural residents in Henan Province was 7525 yuan, 72 times that of 1978. However, with the development of economy, the increase of per capita net income of rural residents in Henan Province is far lower than that of urban residents' per capita disposable income. This trend, if allowed to expand, will gradually affect social harmony, social justice can not be guaranteed. We explore the causes of the widening urban-rural income gap, among which the more important reason is the development of rural finance in Henan Province. How to solve the problem of rural financial development in Henan Province, find the root of the problem, and study all aspects of rural financial development in Henan Province, has very important practical significance. Starting from the level of rural financial development in Henan Province, this paper expounds the theory of income gap between rural and urban areas, analyzes the impact of rural financial development on urban-rural income gap in Henan Province, and points out the results and shortcomings of rural financial development. Based on the relevant data from 1991 to 2011, this paper establishes VAR model and empirically studies the expanding influence of rural financial development on the income gap between urban and rural areas in Henan Province. The results show that there is a positive correlation between the scale of rural finance and the urban-rural income gap in Henan Province, and the efficiency of rural financial development and the level of rural economic development are negatively correlated with the urban-rural income gap. Finally, through the conclusion of the research and analysis, the paper puts forward some policy suggestions on the development of rural finance: reforming the mechanism of rural financial system in Henan Province, enriching and standardizing rural financial institutions, improving the rural financial ecological environment, Strengthening the construction of public infrastructure, vigorously developing village and town banks, providing relevant financial support to individual rural enterprises in many ways, supporting small enterprises, supervising the development of the rural financial system, and further improving the rural social security system, With a view to promoting rural financial development, narrowing the income gap between urban and rural areas.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F124.7;F832.35

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