农村小额信贷对农民收入影响的非线性效应研究

发布时间：2018-02-11 07:44

本文关键词： 农村小额信贷农民收入非线性面板平滑转换模型　出处：《湖南大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村小额信用贷款起源于孟加拉、印度尼西亚等国，是以信用贷款方式发放给农户的金融信贷产品。小额信贷覆盖面大、到户率高、经济效益好、资金周转快，是帮助广大农民获得贷款的重要信贷模式，补充了农村金融体系并促进了农村经济的发展。当前，我国2000多个县中基本所有的农村信用社都开办了小额信贷业务，使得近2亿农户获得了小额贷款支持。那么农村小额信用贷款的增加是否能增加农民收入？它们之间有怎样的作用机制？因此，厘清农村小额信贷与农民收入间的数量关系，无疑对更好地促进农民增收、完善农村金融系统和发展农村经济具有重要的理论价值与现实意义。本文首先在绪论部分主要交代了本文研究的背景及意义，系统分类了国内外相关文献，简单论述了本文的研究思路、研究内容与框架以及本文创新点。然后在第2章的基础理论部分对农村金融发展与农民收入增长的相应理论进行了简单梳理。接下来在第3章阐述了农村小额信贷和农民收入的现实考察，在分别分析了两者的现状之后对农村小额信贷影响农民收入的机理进行了简要分析。第4章为基于面板平滑转换模型的农村小额信贷对农民收入影响的实证研究，且进一步研究了这种影响的区域差异。最后一部分为结论，，主要总结了本文实证部分的主要结论并提出了相应的政策建议。本文从非线性角度出发，采用我国2002-2009年的面板数据并基于面板平滑转换模型研究了农民收入与农村小额信贷的关系。研究发现：在样本研究期内，农村小额信贷与农民收入之间存在显著的非线性关系，这种非线性关系由农村经济规模决定，当农村经济规模较小时，农村小额信贷给农民带来收入替代效应，当农村经济越过一定规模时，小额信贷给农民带来收入效应。进一步的省区分析发现，各地区农村居民收入对农村小额信贷弹性系数存在差异，具体表现为东部和中部越过门槛的省市数相比于2002年均有大幅增加，但西部仅四川和广西越过门槛。因此，未越过门槛的西部省市应加大经济发展步伐，带动农村经济规模的壮大，促进小额信贷增收效应的进一步加强。
[Abstract]:Rural micro-credit loans originated in Bangladesh, Indonesia and other countries. They are financial credit products issued to farmers in the form of credit loans. The microcredit coverage is large, the household rate is high, the economic benefits are good, and the flow of funds is fast. It is an important credit model that helps farmers obtain loans, complements the rural financial system and promotes the development of the rural economy. At present, almost all rural credit cooperatives in more than 2,000 counties in China have opened microfinance business. So that nearly 200 million farmers received microfinance support. So can the increase of rural micro-credit increase farmers' income? What is the mechanism between them? Therefore, it is of great theoretical value and practical significance to clarify the quantitative relationship between rural micro-credit and farmers' income to promote farmers' income increase, perfect rural financial system and develop rural economy. First of all, in the introduction part, the background and significance of this study are explained, and the relevant literature at home and abroad is systematically classified, and the research ideas of this paper are briefly discussed. The content and framework of the research and the innovation of this paper. Then in the second chapter of the basic theory part of the rural financial development and farmers' income growth of the corresponding theory is simply combed. Then in chapter 3 elaborated the rural microfinance. A realistic study of loans and Farmers' income, After analyzing the current situation of both, the paper briefly analyzes the mechanism of rural micro-credit influencing farmers' income. Chapter 4 is an empirical study on the impact of rural micro-credit on farmers' income based on the panel smoothing transformation model. The last part is the conclusion, which summarizes the main conclusions of the empirical part of this paper and puts forward the corresponding policy recommendations. Based on the panel data from 2002 to 2009 in China and the panel smooth transformation model, this paper studies the relationship between farmers' income and rural microcredit from the perspective of nonlinearity. There is a significant nonlinear relationship between rural micro-credit and farmers' income, which is determined by the scale of rural economy. When the scale of rural economy is small, rural micro-credit brings the income substitution effect to farmers. When the rural economy exceeds a certain scale, the micro-credit brings the income effect to the farmer. The further analysis of the province and district finds that there are differences in the coefficient of elasticity of rural residents' income to the rural micro-credit. In particular, the number of provinces and cities crossing the threshold in the eastern and central regions has increased substantially compared with 2002, but only Sichuan and Guangxi have crossed the threshold in the west. Therefore, the provinces and cities in the west that have not crossed the threshold should increase the pace of economic development. Drive the scale of rural economy to expand, promote the effect of increasing the income of micro-credit to further strengthen.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43;F323.8

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