河南省农业贷款对农民家庭经营性纯收入影响研究

发布时间：2018-01-21 03:02

本文关键词： 农业贷款农民家庭经营性纯收入农村金融市场 VAR模型　出处：《江西农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：河南是我国重要的农业大省，农村人口居多，“三农”问题突出，解决“三农”问题的关键是农民增收问题，而农业贷款资金的投入是影响农民增收的重要生产要素。本文通过描述河南农村金融市场的发展现状，对农村金融市场的供给与需求进行分析，发现农村金融市场体系不健全，农户资金需求没有得到有效满足，农村金融市场储蓄资金大量外流，农村信用社支农过程问题突出以及新型农村金融机构支农力度有限等问题，严重制约了农民收入的增加及农村经济的发展。尽管农民纯收入在不断地增加，但城乡收入差距也在不断地扩大，同时农民家庭经营性收入的增长幅度有所下降，对人均纯收入的贡献也在不断下降。家庭经营性收入是农民收入的主要来源，促进家庭经营性收入的增加，对改善农民生活水平及消费状况意义重大。本研究运用1985-2011年河南省相关数据，采用理论分析与实证分析相结合的方式，运用VAR模型论证了农业贷款对农民家庭经营性纯收入的积极影响，由于农村金融市场诸多问题的存在，使得农业贷款对家庭经营性纯收入的贡献率较低。根据实证检验的结果及现阶段农业贷款市场的现状提出相应的政策建议，应从打造农村金融市场竞争环境，，继续深化农村信用社改革和完善农业信贷补偿机制方面入手，为政府解决农户贷款难和难贷款的局面，增加农民收入，提升河南整体经济实力提供有力的依据。
[Abstract]:Henan is an important agricultural province in China, the rural population is in the majority, the "three rural" problem is prominent, the key to solve the "three rural" problem is to increase farmers' income. The input of agricultural loan funds is an important factor of production which affects farmers' income. This paper analyzes the supply and demand of rural financial market by describing the present situation of rural financial market in Henan Province. Found that the rural financial market system is not perfect, farmers' capital demand has not been effectively met, rural financial market savings funds outflow. The outstanding problems in the process of supporting agriculture in rural credit cooperatives and the limited support for agriculture by new rural financial institutions have seriously restricted the increase of farmers' income and the development of rural economy, although the net income of farmers is constantly increasing. However, the income gap between urban and rural areas is also expanding, at the same time, the growth rate of farmers' household operating income has decreased, and the contribution to per capita net income is also declining. Household operating income is the main source of farmers' income. Promoting the increase of household operating income is of great significance to improve farmers' living standard and consumption status. This study uses the relevant data from 1985 to 2011 in Henan Province, using the combination of theoretical analysis and empirical analysis. VAR model is used to demonstrate the positive impact of agricultural loans on the net income of farmers' operating, due to the existence of many problems in the rural financial market. According to the results of empirical test and the current situation of the agricultural loan market, the corresponding policy recommendations should be made from building the competitive environment of rural financial market. We should continue to deepen the reform of rural credit cooperatives and improve the agricultural credit compensation mechanism to provide a strong basis for the government to solve the problem of difficult and difficult loans for farmers, increase farmers' income, and enhance the overall economic strength of Henan Province.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43;F323.8

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