农村非正规金融对安徽经济增长影响研究

发布时间：2018-05-14 20:18

本文选题：安徽农村 + 非正规金融　；参考：《安徽农业大学》2013年硕士论文

【摘要】：安徽农村在经济体制改革和中部崛起战略的推动下，已逐渐摆脱了相对贫困的局面，农村经济得到迅速发展。经济发展需要大量流动资金支持，而安徽农村地区因地理条件和历史条件限制，农户自有资金有限、政策性支农资金覆盖面狭窄、正规金融机构处于降低成本和分散风险的考虑逐步减少对农村信贷资金的投放，直接导致了农村农户及企业无法从正规金融渠道获得资金。面对发展机遇，安徽农户及中小企业没有坐以待毙，而是纷纷转向非正规金融渠道进行融资。所以，从目前来看，只依靠单纯的正规金融市场已很难满足安徽农村经济主体的发展需要，长期处于隐蔽状态的农村非正规金融活动在很大程度上替代了正规金融对经济增长的影响作用。但长期以来，非正规金融问题一直被政府部门和金融监管当局所忽视甚至敌视，常被冠以“扰乱金融秩序”罪名打击或者限制，并未取得与其地位相符的身份。可是，非正规金融活动并没有因此而退出农村市场，反而愈加显现出活跃的状态。本文首先介绍了非正规金融存在的基本形式及特征，从表现形式上直观显示出其与正规金融的不同之处，并从理论和安徽农村实际情况出发回顾了非正规金融蓬勃发展的原因。其次利用宏观经济学和计量学原理从实证角度分析了非正规金融对安徽农村经济增长的影响，阐明了农村非正规金融相对于正规金融在融资成本、借贷相关手续、资金的可获得性方面具有比较优势，指出了非正规金融在安徽农村经济发展和农民生活水平提高方面利大于弊，政府及金融监管部门应正视非正规金融的存在。由于产生于农村金融市场内部，没有有效的约束机制及内部控制制度，安徽农村非正规金融也存在着许多弊端，如经营的不规范性、高风险性、投机性、隐蔽性等。这些缺陷直接导致农村资金流向不可控制，削弱了国家宏观调控政策对于农村地区的影响，在一定程度上干扰了正常的农村金融秩序，严重时更会引起社会的不安定。因此政府及相关金融部门应从安徽农村实际情况出发，对农村非正规金融进行积极的引导和合理的利用，因势利导，趋利避害，构建和谐的正规金融和非正规金融并存的二元金融结构，促进安徽农村经济社会发展实现质的飞跃。
[Abstract]:Driven by the reform of economic system and the strategy of the rise of central China, Anhui rural areas have gradually got rid of the situation of relative poverty, and the rural economy has been developed rapidly. Economic development needs a large number of working capital support, while in rural areas of Anhui, due to geographical and historical constraints, farmers have limited funds of their own, and the coverage of policy-oriented funds for supporting agriculture is narrow. Formal financial institutions in the consideration of reducing costs and dispersing risks gradually reduce the investment of rural credit funds which directly leads to rural farmers and enterprises can not obtain funds from formal financial channels. In the face of development opportunities, Anhui farmers and small and medium-sized enterprises do not sit idly by, but turn to informal financial channels to finance. Therefore, from the point of view of the present, it is difficult to meet the needs of the development of Anhui rural economic main body by relying solely on the formal financial market. Rural informal financial activities, which have been hidden for a long time, have largely replaced the influence of formal finance on economic growth. However, for a long time, informal financial problems have been ignored or even hostile by government departments and financial regulatory authorities. They are often punished or restricted by the charge of "disrupting the financial order", and have not been accorded with their status. However, informal financial activities did not withdraw from the rural market, but became more active. This paper first introduces the basic forms and characteristics of informal finance, and shows the differences between informal finance and formal finance in the form of expression, and reviews the reasons for the vigorous development of informal finance from the perspective of theory and the actual situation of Anhui rural areas. Secondly, using macroeconomics and metrology principle, this paper analyzes the impact of informal finance on Anhui rural economic growth from an empirical point of view, and clarifies the financing cost, borrowing and related procedures of rural informal finance in relation to formal finance. This paper points out that informal finance has more advantages than disadvantages in the development of rural economy and the improvement of farmers' living standard in Anhui province. The government and financial supervision department should face up to the existence of informal finance. Due to the absence of effective restraint mechanism and internal control system, there are many disadvantages in rural informal finance in Anhui province, such as non-standard management, high risk, speculation, concealment and so on. These defects directly lead to the uncontrollable flow of rural funds, weaken the influence of national macro-control policies on rural areas, disturb the normal rural financial order to a certain extent, and cause social instability when serious. Therefore, the government and related financial departments should proceed from the actual situation of Anhui rural areas, actively guide and make rational use of rural informal finance, so as to guide the situation and avoid the disadvantages. The construction of a harmonious dual financial structure of formal finance and informal finance promotes the development of Anhui rural economy and society to achieve a qualitative leap.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127;F832.7

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