新疆农业信贷资金配置效率研究

发布时间：2018-06-04 00:44

本文选题：农业信贷 + 资金配置效率　；参考：《新疆财经大学》2014年硕士论文

【摘要】：“三农”问题自古以来都是关系到国计民生的大问题，经济腾飞离不开农业发展。一直以来，我国都对农业生产保证扶持，并且近年来已经由只重视财政支持改变为符合市场经济运行要求的财政直接投资和金融信贷发放行为相结合。现阶段各城镇乡村正在建立多层次、广覆盖的农村金融体系，大力发展农村经济，以金融支撑发展，以信贷增强融资。但是农村金融在支持农业发展的过程中，依然存在很多问题，譬如农业资金存在外流状况，并呈现愈演愈烈之势，农产品生产和产业扩建贷款困难，农民无法获得相应的金融资金信贷支撑。除此之外，我国农业信贷资金配置也没有收获其应达到的效果，不仅全国各行政区域内农业信贷配置不平衡，信贷资金配置效率也不高。本论文在借鉴学者们研究成果的基础上，论述了农业信贷资金配置效率的理论框架，根据金融发展理论分析金融发展和经济增长的关系，，在信贷资金配置的帕累托最优理论等基础上重点探索了新疆农业信贷资金配置效率的内涵，结构，实现机理，通过金融作用于经济发展和社会生活的相关关系，建立了有关新疆农业信贷配置效率的评价体系。首先从金融体系信贷投入总量上阐述新疆农业信贷资金配置的发展趋势，再细化分析新疆农村金融体系中各金融机构在农业信贷配置过程中的实际信贷行为，依次从农信社、农业银行新疆分行、农业发展银行新疆分行、邮政储蓄银行到民间金融主体探讨它们在新疆农业信贷配置中的地位和作用。根据理论建立农业信贷资金配置效率研究的相关模型，运用计量经济方法，利用时间序列模型验证新疆农业信贷配置和新疆农业经济发展是否存在因果关系，再运用数据包络分析考察新疆农业信贷配置对农村经济、社会，居民生活水平发展产生的实际效益。通过实证得到结论为新疆农业信贷配置对农业经济增长并没有起到应有的促进作用，由于存在规模效率不足，甚至对农村经济发展造成困扰。其后对新疆农业信贷资金配置现状和实证中得出的结论进行深入探索，从借贷双方和市场运行方面分析低效率的形成原因。最后为了实现提高新疆信贷资金配置效率的目标，提出建设性的对策。
[Abstract]:Since ancient times, the issue of agriculture, rural areas and farmers has been a major problem related to the national economy and the people's livelihood, and economic development is inseparable from the development of agriculture. In recent years, our country has changed from only paying attention to financial support to the combination of financial direct investment and financial credit issuance, which meets the requirements of market economy. At the present stage, various towns and villages are establishing a multi-level and extensive rural financial system, vigorously developing rural economy, supporting development with finance, and strengthening financing by credit. However, in the process of supporting the development of agriculture, there are still many problems in rural finance. For example, there is an outflow of agricultural funds, which is becoming more and more serious, and it is difficult to extend loans for agricultural products and industries. Farmers can not get the corresponding financial funds and credit support. In addition, the allocation of agricultural credit funds in China has not achieved the desired results, not only the allocation of agricultural credit in various administrative regions of the country is unbalanced, but also the efficiency of the allocation of credit funds is not high. Based on the research results of scholars, this paper discusses the theoretical framework of the allocation efficiency of agricultural credit funds, and analyzes the relationship between financial development and economic growth according to the theory of financial development. Based on the Pareto optimal theory of the allocation of credit funds, this paper probes into the connotation, structure and realization mechanism of the efficiency of the allocation of agricultural credit funds in Xinjiang, as well as the related relations between economic development and social life through the role of finance. The evaluation system of agricultural credit allocation efficiency in Xinjiang is established. Firstly, the development trend of the allocation of agricultural credit funds in Xinjiang is expounded from the total amount of credit input in the financial system, and then the actual credit behavior of various financial institutions in the rural financial system of Xinjiang in the process of agricultural credit allocation is analyzed, followed by the rural credit cooperatives. The agricultural bank Xinjiang branch, the agricultural development bank Xinjiang branch, the postal savings bank to the folk finance main body discusses their position and the function in the Xinjiang agricultural credit allocation. Based on the theory, this paper establishes the relevant models of the efficiency of agricultural credit allocation, uses the econometric method, and uses the time series model to verify whether there is a causal relationship between the agricultural credit allocation and the agricultural economic development in Xinjiang. Then using the data envelopment analysis to investigate the actual benefits of agricultural credit allocation to the development of rural economy, society and residents' living standard in Xinjiang. It is concluded that the allocation of agricultural credit in Xinjiang does not play a proper role in promoting agricultural economic growth, because of the inefficiency of scale, even the rural economic development is troubled. After that, the paper explores the present situation of agricultural credit fund allocation in Xinjiang and the conclusions drawn from the demonstration, and analyzes the reasons for the inefficiency from the aspects of both the loan and the market operation. Finally, in order to achieve the goal of improving the efficiency of credit allocation in Xinjiang, constructive countermeasures are put forward.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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