湖南新型农村金融对县域经济增长的实证研究
发布时间：2018-12-07 20:55
【摘要】：农村金融作为农村经济的核心,在农村经济发展中肩负着历史的重任。长久以来,湖南农村金融服务存在着功能弱化,信贷资金供需矛盾突出等问题,严重制约着新农村建设的顺利推进。于此同时,农村金融的进入门槛一直很高,农村地区不论是机构或是资金都长期处于出大于进的状态。2006年中国银监会发布了《关于调整放宽农村地区银行业金融机构准入政策,更好支持社会主义新农村建设的若干意见》,降低了包括外资在内的各类资本进入农村金融市场的门槛,银监会首次提出了新型农村金融机构的概念。新型农村金融机构的产生在湖南取得了初步成效,以村镇银行为主。在实现盈利的同时,也对县域经济的增长发挥着积极作用。国内外大量研究也证实金融发展与经济增长之间存在着显著的正相关关系,但是在我国县域金融与经济发展程度还不一致.因此,要实现地区经济的增长,就要厘清地方金融与经济增长之间的内在作用机理.在当前存量农村金融一定情况下,研究增量农村金融对经济的影响,从而在此基础上有针对性地提出政策建议。本文以农村金融理论和金融组织创新理论作为切入点,立足湖南农村具体情况,通过湖南部分县域经济和金融数据,以金融密度、小额农贷占比、贷款余额和不良贷款比例四个金融变量为投入变量,以地方生产总值和就业率为产出变量,采用DEA方法,实证研究新型农村金融对地方经济增长的影响机理。
[Abstract]:As the core of rural economy, rural finance shoulders a historical responsibility in the development of rural economy. For a long time, the function of Hunan rural financial service has been weakened, and the contradiction between the supply and demand of credit funds has been prominent, which seriously restricts the smooth development of the new rural construction. At the same time, the entry threshold of rural finance has been very high. In rural areas, both institutions and funds have long been in a state of outgrowth. In 2006, the China Banking Regulatory Commission issued a policy on readjusting and relaxing access to banking financial institutions in rural areas. Some opinions on better support for the Construction of New Socialist Countryside the threshold for all kinds of capital including foreign capital to enter the rural financial market has been lowered. The CBRC has for the first time put forward the concept of a new type of rural financial institution. The emergence of new rural financial institutions in Hunan has achieved initial results, mainly rural banks. In the realization of profit, but also to the county economic growth plays a positive role. A large number of studies at home and abroad also confirm that there is a significant positive correlation between financial development and economic growth, but the degree of financial and economic development is not consistent in our country. Therefore, to achieve regional economic growth, it is necessary to clarify the internal mechanism between local finance and economic growth. On the basis of studying the effect of incremental rural finance on the economy under the certain condition of stock rural finance at present, some policy suggestions are put forward. This article takes the rural finance theory and the financial organization innovation theory as the breakthrough point, bases on the Hunan countryside concrete situation, through the Hunan partial county area economy and the financial data, takes the financial density, the small agricultural loan proportion, Four financial variables, the balance of loans and the ratio of non-performing loans, are input variables, and the local GDP and employment rate are taken as output variables. The DEA method is used to empirically study the influence mechanism of the new rural finance on the local economic growth.
【学位授予单位】：长沙理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127;F832.35
[Abstract]:As the core of rural economy, rural finance shoulders a historical responsibility in the development of rural economy. For a long time, the function of Hunan rural financial service has been weakened, and the contradiction between the supply and demand of credit funds has been prominent, which seriously restricts the smooth development of the new rural construction. At the same time, the entry threshold of rural finance has been very high. In rural areas, both institutions and funds have long been in a state of outgrowth. In 2006, the China Banking Regulatory Commission issued a policy on readjusting and relaxing access to banking financial institutions in rural areas. Some opinions on better support for the Construction of New Socialist Countryside the threshold for all kinds of capital including foreign capital to enter the rural financial market has been lowered. The CBRC has for the first time put forward the concept of a new type of rural financial institution. The emergence of new rural financial institutions in Hunan has achieved initial results, mainly rural banks. In the realization of profit, but also to the county economic growth plays a positive role. A large number of studies at home and abroad also confirm that there is a significant positive correlation between financial development and economic growth, but the degree of financial and economic development is not consistent in our country. Therefore, to achieve regional economic growth, it is necessary to clarify the internal mechanism between local finance and economic growth. On the basis of studying the effect of incremental rural finance on the economy under the certain condition of stock rural finance at present, some policy suggestions are put forward. This article takes the rural finance theory and the financial organization innovation theory as the breakthrough point, bases on the Hunan countryside concrete situation, through the Hunan partial county area economy and the financial data, takes the financial density, the small agricultural loan proportion, Four financial variables, the balance of loans and the ratio of non-performing loans, are input variables, and the local GDP and employment rate are taken as output variables. The DEA method is used to empirically study the influence mechanism of the new rural finance on the local economic growth.
【学位授予单位】：长沙理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127;F832.35
【参考文献】
相关期刊论文 前10条
1 龙海明;柳沙玲;李花;;湖南省农村金融与经济相互促进发展实证分析[J];财经理论与实践;2007年06期
2 王建英;王秀芳;;建立新型农村金融机构风险评价指标体系的探讨[J];广东农业科学;2010年04期
3 刘志雄;;广西农村经济增长的金融支持研究——基于帕加诺模型的实证[J];广西民族大学学报(哲学社会科学版);2010年02期
4 罗梦霞;杨林;;区域金融发展与经济增长实证分析[J];合作经济与科技;2011年03期
5 钟笑寒,汤荔;农村金融机构收缩的经济影响:对中国的实证研究[J];经济评论;2005年01期
6 杨胜刚;朱红;;中部塌陷、金融弱化与中部崛起的金融支持[J];经济研究;2007年05期
7 年志远;马宁;;我国新型农村金融机构制度安排的缺陷及其完善[J];经济纵横;2009年09期
8 沈杰;马九杰;;我国新型农村金融机构发展状况调查[J];经济纵横;2010年06期
9 陈福中;吴秋t，
本文编号：2367859
本文链接：https://www.wllwen.com/jingjilunwen/zhongguojingjilunwen/2367859.html
