湖南省农村消费信贷对农村居民消费增长的影响研究

发布时间：2018-01-23 03:35

本文关键词： 农村消费信贷农村居民消费增长误差修正模型灰色关联度　出处：《湘潭大学》2014年硕士论文　论文类型：学位论文

【摘要】：“三农”问题的核心是解决农民的问题，而农民的问题主要体现在收入以及生活水平的提高。农村居民消费的增长不仅可以直接地提高农村居民的生活水平，还可以促进农村经济的增长，这又反过来提高了农村居民的收入。而我国农村居民消费水平低下又是不争的事实，，这不仅表现在农村居民消费水平发展缓慢，也体现在与我国同期城市居民消费水平的差距上。这在很大程度上限制了我国农村地区经济的快速发展和农村金融的深化改革。几年来，我国相继颁布了一揽子促进农村消费发展的办法以及措施，目的就在于引导金融机构加大对农村居民消费信贷的支持力度，从而促进农村居民消费的提升。湖南省作为中部地区的农业大省，农村居民人口众多，用其研究农村消费信贷对农村居民消费的影响非常具有代表意义。首先，阐释农村消费信贷与农村居民消费的一般理论基础，并在此基础上分析农村消费信贷对农村居民消费的影响机理。然后，从现实的角度探讨湖南省农村居民消费以及消费信贷的现状，通过初步分析并联系当下湖南省消费信贷开展情况，总结出了湖南省农村消费信贷影响农村居民消费的具体表现。再利用长期均衡性分析和灰色关联度等方法，进而从实证角度得出湖南省农村消费信贷对农村居民消费增长的影响：目前，发展湖南省农村消费信贷能够从一定程度上提高农村居民消费水平，解决当前湖南省农村有效需求不足、促进农村发展，并且从整体上拉动经济增长。但这种作用比收入对消费的影响要小，说明目前湖南省农村地区的消费信贷市场不发达。研究出的结果可以为农村消费信贷对农村居民消费的影响提供实证方面的支持；也可以为改进农村金融服务体系、创新农村金融产品和服务方式、完善农村市场基础设施建设、帮助农村居民转变消费观念、优化农村消费信贷结构提供政策制定的理论参考。
[Abstract]:The core of the "three rural" problem is to solve the problem of farmers, and the problems of farmers are mainly reflected in the improvement of income and living standard. The increase of rural residents' consumption can not only directly improve the living standards of rural residents. It can also promote the growth of rural economy, which in turn improves the income of rural residents. However, it is an indisputable fact that the consumption level of rural residents is low, which is not only reflected in the slow development of rural residents' consumption level. It is also reflected in the gap between the consumption level of urban residents and the corresponding period of our country, which to a great extent limits the rapid economic development in rural areas and the deepening reform of rural finance. China has promulgated a package of measures to promote the development of rural consumption, the purpose of which is to guide financial institutions to increase the support of rural consumer credit, thereby promoting rural consumption. Hunan Province, as a large agricultural province in the central region, has a large rural population. It is of great significance to use it to study the impact of rural consumer credit on rural consumption. This paper explains the general theoretical basis of rural consumer credit and rural residents' consumption, and then analyzes the influence mechanism of rural consumer credit on rural residents' consumption. From the point of view of reality, this paper discusses the current situation of consumption and consumption credit of rural residents in Hunan Province, and through the preliminary analysis and contact with the current situation of Hunan Province consumer credit development. The paper summarizes the concrete performance of Hunan province rural consumer credit affecting rural residents' consumption, and then uses the long-term equilibrium analysis and grey correlation degree methods. Then from the empirical point of view, the impact of rural consumer credit on rural consumption growth: at present, the development of rural consumer credit in Hunan Province can improve the level of rural consumption to a certain extent. To solve the current rural effective demand in Hunan Province, promote rural development, and promote economic growth as a whole, but this role is less than the impact of income on consumption. The results can provide empirical support for the impact of rural consumer credit on rural consumption. It can also improve the rural financial service system, innovate the rural financial products and services, improve the rural market infrastructure construction, and help rural residents change their consumption concept. Optimizing the structure of rural consumer credit provides a theoretical reference for policy formulation.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.8;F832.479

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