西部地区农村金融市场配置效率研究

发布时间：2018-01-17 18:40

本文关键词：西部地区农村金融市场配置效率研究　出处：《西北农林科技大学》2015年硕士论文　论文类型：学位论文

【摘要】：自2006年起,银监会调整放宽了农村地区银行业的金融机构的准入政策,随后农村金融市场开始逐步开放。西部地区农村金融市场发展取得了一定成果,但是西部地区农村金融市场存在供求失衡、服务不全面,缺少金融创新等诸多问题。因此,在西部地区农村金融市场竞争加剧的情况下,如何提高西部地区农村金融服务水平以及配置效率已经成为农村金融领域迫在眉睫的大问题。基于上述背景,本文以西部地区12个省域为研究对象,着重运用数据包络分析DEA-Malmquist生产率指数方法以及固定效应模型评价西部地区农村金融市场12个省域配置的动态效率并分析效率值变动的影响因素,最后在此基础上提出提升西部地区农村金融市场配置效率的对策建议。第一章,导论。这一章节主要介绍了论文的研究背景、研究目的和研究意义、国内外研究动态、论文研究过程中的思路与用到的方法以及论文可能涉及的创新点。第二章,农村金融市场配置效率理论基础。主要对我国农村金融市场及其配置效率理论基础进行了界定,分析了农村金融市场配置效率的内涵并阐述了本文使用的西部地区农村金融市场12个省域配置效率评价方法及指标体系。第三章,西部地区农村金融市场发展现状与存在的问题。这一部分主要分析了我国西部地区通过农村金融市场体系对金融资源进行配置,发展农村经济。新型农村金融机构的引入帮助缓解了西部农村地区资金短缺的状况,取得了一定成果。但是,西部地区农村金融市场仍存在金融服务单一、信贷供给不足、与东中部地区差距明显等问题。第四章,西部地区农村金融市场资源配置效率测度。主要对西部地区农村金融市场对资源的动态配置效率进行了实证分析。运用数据包络分析DEA-Malmquist生产率指数方法对2007—2012年间西部地区12个省域的投入、产出数据进行处理,测算和分解了西部地区农村金融市场配置的全要素生产率指数,得出了其整体的效率变化值,研究结果表明:在时间序列上,西部农村地区金融市场12个省域的资源配置全要素生产率呈下降趋势,西部地区农村金融市场资源配置效率降低,总体上是非有效的。而资源配置效率下降的原因是技术进步率较低,技术进步缓慢,技术进步成为西部地区农村金融市场资源配置效率高低的关键因素。改进农村金融市场资源配置效率应该从技术入手,增加技术资金投入,引进金融科技人才,创新产品品种。第五章,西部地区农村金融市场配置效率影响因素分析。主要基于西部12个地区的统计数据,运用固定效应模型,从金融市场发展规模、农民生产消费水平以及农村社会保障三个角度选取指标进行面板数据回归分析,对影响西部地区农村金融市场12个省域资源配置全要素生产率的因素进行了实证分析。结果表明:金融业增加值、金融业的固定资产投资、农业生产资料指数、农村农户固定资产投资额四个指标具有显著影响作用。第六章,提升西部地区农村金融市场配置效率的对策建议。这一章节基于西部地区农村金融市场12个省域资源配置动态效率的测度来进行影响因素的实证分析,提出提升西部地区农村金融市场配置效率的对策建议。
[Abstract]:Since 2006, the CBRC adjustment relaxed the financial institutions of the banking industry in rural areas rural financial market access policy, then began to gradually open the market. The rural financial development of the western region has made some achievements, but there are imbalance between supply and demand of rural financial market in the west, the service is not comprehensive, lack of many problems of financial innovation and so on. Therefore, intensified the competition in western rural financial market, how to improve the rural financial service level of the western region and the allocation efficiency has become a major issue in the field of rural finance imminent. Based on the above background, this paper takes the 12 provinces in western region as the research object, the influence factors of rural financial market mainly by using data envelopment analysis method and DEA-Malmquist productivity index evaluation of the fixed effect model of western region 12 provinces allocation efficiency and dynamic efficiency analysis of the value. After on the basis put forward suggestions to enhance the western rural financial market efficiency. In the first chapter, introduction. This chapter mainly introduces the research background, research purpose and research significance, research trends, research process of ideas and methods used and the possible innovations. Chapter second relates to, the rural financial market efficiency theory. Mainly on China's rural financial market and allocation efficiency theory defines the connotation of the allocation efficiency of rural financial market and expounds the rural financial market in western region, the 12 provincial allocation efficiency evaluation index system and method. In the third chapter, the current situation of the development of rural finance market in the western regions of China and the existing problems. This part mainly analyzes the western region of our country through the rural financial market system of distribution of financial resources The development of rural economy. The introduction of new rural financial institutions to help alleviate the situation of shortage of funds in western rural areas, and achieved certain results. However, the rural financial market in western region is still single financial service, credit supply, gap and the Middle East etc. significantly. The fourth chapter, the western region of rural financial market resources the main measure of dynamic allocation efficiency. The resource allocation efficiency of rural financial market in western region is analyzed. By using data envelopment analysis into the DEA-Malmquist productivity index method for 2007 - 2012 years in western regions in 12 provinces, with output data, calculation and decomposition of rural financial market in the West configuration of the total factor productivity index and obtained the overall efficiency values, the results show that: in the time series, the financial market in western rural areas in 12 provinces The resource allocation of the total factor productivity decreased, reduce the western rural financial market efficiency of resource allocation, on the whole is non effective. And the efficiency of resource allocation is the decline of the rate of technological progress is low, slow technological progress, technological progress has become a key factor in the western region of rural financial market efficiency of resource allocation to improve the allocation efficiency. The rural financial market resources should be from the technical aspect, increase technology investment, the introduction of financial talents, innovative products. In the fifth chapter, the western region of rural financial market allocation efficiency influence factor analysis. Mainly based on the statistical data of 12 in the western region, using fixed effect model, from the scale of development of the financial market, the level of consumption and production of farmers the rural social security three aspects of selection index regression analysis of panel data, the impact on rural finance in western area of 12 Province The empirical analysis on the factors influencing the domain resource allocation of total factor productivity. The results showed that the added value of the financial industry, the financial industry investment in fixed assets, agricultural production index, rural fixed assets investment four indicators have a significant impact. In the sixth chapter, suggestions to improve the western rural financial market efficiency. This the measure of rural financial market in the west section of the 12 provincial resources allocation based on the dynamic efficiency of the empirical analysis of influencing factors, put forward countermeasures to promote the western region rural financial market efficiency.

【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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