四川省农业信贷的绩效研究

发布时间：2018-01-05 06:13

本文关键词：四川省农业信贷的绩效研究　出处：《四川农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国正处在社会经济结构转型的关键时期,国家建设社会主义新农村步伐也随之加快。连续多年的“中央一号文件”都将“三农”问题列入政府工作的重点,可见“三农”问题的重要性。从目前我国农业和农村发展的现状来看,要支持和保护农业的发展,增加对农业的投入仍然是不可或缺的关键措施,其中最主.要的还是信贷资金的投入。我国政府历来重视农业信贷的发展,曾多次明确要求要提高农业信贷的服务质量和水平,重视农业信贷在支农领域中的支柱骨干作用,尤其是要发挥农业信贷在促进农村基础设施建设、推动农业产业结构转型升级等方面的作用。目前我国农业信贷在推动农业发展、促进农户增收方面虽然起到了一定的作用,但也存在着一些急需我们研究和解决的问题。本文从四川省农业信贷的现状出发,综合运用了农业信贷补贴论、金融系统论以及不完全市场竞争理论,采用描述性分析和计量分析相结合的方法,通过构建C-D生产函数、综合运用ADF检验、协整检验以及格兰杰因果关系检验,从农业产出和农民收入两个方面对四川省农业信贷的绩效进行了研究。本文的主要研究结论有以下几点：(1)四川省农业信贷的总量增长迅速,但是农业信贷占整个金融机构贷款总额的比重是逐年下降的,并且发放农业信贷的金融机构严重失衡,农信社成为发放农业贷款的主力军,但其整体实力还不够强大。(2)四川省农业信贷与农业生产总值之间具有长期均衡的正向关系,但是通过格兰杰因果关系检验发现,农业信贷是农业生产总值的格兰杰原因,农业生产总值不是农业信贷的格兰杰原因。(3)四川省农业信贷与农民人均纯收入之间存在着长期均衡的关系,但是农业信贷与农民人均纯收入之间不具有格兰杰因果关系。(4)四川省农业信贷投入对四川省农业生产总值的增加以及农民人均纯收入的增加具有一定的贡献,但其贡献的程度偏低,且具有较长的滞后期,四川省农业信贷的绩效还有进一步增长的空间。
[Abstract]:Our country is in the key period of social and economic structural transformation, and the pace of national construction of new socialist countryside is also quickening. For many years, "the first document of the Central Committee" has included the issue of "agriculture, countryside and farmers" in the government's work. From the current situation of agriculture and rural development in China, to support and protect the development of agriculture, increasing the input to agriculture is still an indispensable key measure. Our government has always attached importance to the development of agricultural credit, has repeatedly explicitly requested to improve the quality and level of agricultural credit services. We should attach importance to the backbone role of agricultural credit in the field of supporting agriculture, especially to give full play to agricultural credit in promoting the construction of rural infrastructure. At present, agricultural credit has played a certain role in promoting agricultural development and increasing farmers' income. However, there are still some problems that need us to study and solve. This paper, based on the current situation of agricultural credit in Sichuan Province, comprehensively applies the theory of agricultural credit subsidy, the theory of financial system and the theory of incomplete market competition. By combining descriptive analysis with econometric analysis, C-D production function is constructed, ADF test, cointegration test and Granger causality test are used synthetically. This paper studies the performance of agricultural credit in Sichuan Province from the two aspects of agricultural output and farmers' income. The main conclusions of this paper are as follows: 1) the total amount of agricultural credit in Sichuan Province is growing rapidly. However, the proportion of agricultural credit in the total loans of financial institutions is declining year by year, and the financial institutions that extend agricultural credit are seriously out of balance. Rural credit cooperatives have become the main force of agricultural loans. But its overall strength is not strong enough) Sichuan Province agricultural credit and agricultural GDP has a long-term equilibrium positive relationship, but through Granger causality test found. Agricultural credit is the Granger reason of agricultural GDP, agricultural GDP is not the Granger reason of agricultural credit.) there is a long-term equilibrium relationship between agricultural credit and per capita net income of farmers in Sichuan Province. But there is no Granger causality between agricultural credit and farmers' per capita net income. Agricultural credit investment in Sichuan Province has contributed to the increase of agricultural GDP and the increase of per capita net income of farmers in Sichuan Province. But its contribution is low, and has a long lag, the performance of agricultural credit in Sichuan Province has further room for growth.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F327;F832.43

【相似文献】