黑龙江省农村金融机构信贷供给的垂直连接模式研究

发布时间：2018-08-03 18:16

【摘要】：黑龙江省的农村金融体系包括正规金融机构和非正规金融机构。然而，黑龙江省农村正规金融机构趋于商业化经营，撤并了分布在广大农村地区的分支机构，由于信息不对称和缺少必要的抵押品，农户和农村中小企业被远远排斥于农村正规金融机构供给之外，资金可获得性低。农村正规金融机构无法满足农户和农村中小企业的正常资金需求，，这就为非正规金融机构留下了很大的成长空间。非正规金融机构得到发展并在广大农村地区十分活跃，正因为非正规金融机构的涌现并发挥着不可估量的作用，对农村正规金融机构的发展形成了一种倒逼现象，农村正规金融机构与非正规金融机构形成了两大竞争势力。面临黑龙江省农村信贷供给不足的现象，亟待寻求一种新的农村金融供给模式，以更好地促进黑龙江省农村经济的发展。本文通过了对黑龙江省农村正规金融机构和非正规金融机构的信贷供给现状和未来发展趋势进行分析，提出要寻求一种新的农村金融供给模式，来满足多样化的农村金融需求。国内外学者研究结果表明：垂直连接能够扩大农村信贷供给。根据这一思路，我们分别从定性和定量实证两个方面进行分析。首先，通过对黑龙江省农村正规金融机构和非正规金融机构的优劣势进行了详细的对比分析，两者的农村信贷存在着优劣势互补关系，将农村正规金融机构和非正规金融机构的农村信贷垂直连接起来，强强联合，作为增加农村金融供给的一个途径，来调和供需矛盾。然后，通过定量分析，利用Eviews软件对黑龙江省农村正规金融机构和非正规金融机构的农村信贷供给进行回归分析，并加入了对比参考变量，证实农村正规金融机构和非正规金融机构的农村信贷供给不是此消彼长的，而是协调发展的关系，正规金融机构能够带动非正规金融机构的农村信贷供给，而且效用明显大于对比变量，将两者垂直连接起来，优势互补，可以作为增加黑龙江省农村信贷供给的一个途径。黑龙江省农村金融可以通过垂直连接合作模式，来扩大黑龙江省农村信贷供给。结合黑龙江省农村金融的实际情况，在此，提出三种具体的连接模式，具体分析了如何连接，并进行了经验分析。最后，为了更好地促进垂直连接，分别从政府层面和金融机构层面提出几点对策。
[Abstract]:Heilongjiang Province's rural financial system includes formal financial institutions and informal financial institutions. However, formal rural financial institutions in Heilongjiang Province tend to be commercialized, disintegrating branches distributed in vast rural areas, due to asymmetric information and lack of necessary collateral. Farmers and small-and medium-sized enterprises in rural areas are excluded from the supply of rural formal financial institutions, and the availability of funds is low. Rural formal financial institutions can not meet the normal capital needs of farmers and rural small and medium-sized enterprises, which leaves a great room for informal financial institutions to grow. Informal financial institutions have been developed and are very active in the vast rural areas. It is precisely because of the emergence of informal financial institutions and plays an inestimable role, the development of formal financial institutions in rural areas has formed a kind of reverse pressure phenomenon. Rural formal financial institutions and informal financial institutions formed two major competitive forces. Facing the phenomenon of insufficient supply of rural credit in Heilongjiang Province, it is urgent to seek a new mode of rural financial supply in order to better promote the development of rural economy in Heilongjiang Province. Based on the analysis of the present situation and future development trend of the credit supply of the rural formal and informal financial institutions in Heilongjiang Province, this paper proposes to seek a new mode of rural financial supply to meet the diversified rural financial demand. The research results of scholars at home and abroad show that vertical connection can expand the supply of rural credit. According to this train of thought, we analyze from two aspects: qualitative and quantitative. First of all, through the comparative analysis of the advantages and disadvantages of rural formal financial institutions and informal financial institutions in Heilongjiang Province, the advantages and disadvantages of the two rural credit institutions are complementary. The rural credit of the rural formal financial institutions and the informal financial institutions is connected vertically and the strong and strong are combined as a way to increase the supply of rural finance to reconcile the contradiction between supply and demand. Then, through quantitative analysis, using Eviews software to analyze the rural credit supply of rural formal financial institutions and informal financial institutions in Heilongjiang Province, and add the comparative reference variables. It is proved that the rural credit supply of rural formal financial institutions and informal financial institutions is not the same, but the relationship of coordinated development. Formal financial institutions can drive the supply of rural credit to informal financial institutions. Moreover, the utility is obviously greater than the contrast variable, the two can be connected vertically, and their advantages complement each other, which can be used as a way to increase the supply of rural credit in Heilongjiang Province. The rural finance of Heilongjiang Province can expand the supply of rural credit in Heilongjiang province through the cooperation mode of vertical connection. Combined with the actual situation of rural finance in Heilongjiang Province, three concrete connection modes are put forward, and how to connect is analyzed in detail, and the empirical analysis is carried out. Finally, in order to promote the vertical connection better, several countermeasures are put forward from the government level and the financial institution level respectively.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

【参考文献】