我国农村金融发展减困效应研究

发布时间：2019-03-20 17:21

【摘要】：在国家减困道路上，农村金融发展一直扮演着重要角色。然而，农村金融发展究竟通过什么方式或渠道减困、减困效果如何？本文正是从这两个基本问题出发，旨在剖析农村金融发展作用于贫困减少的内在机理、探讨农村金融发展与贫困减少之间的相关性。在总结前人的研究成果的基础上，本文对农村金融发展减困的内在机理进行了分析，认为农村金融发展通过提供信贷服务，能够影响贫困人口的投资意愿，进而影响贫困人口的项目收益，而农村金融提供的储蓄服务对于平滑农户的消费起着至关重要的作用，为贫困人口抵御经济生活中的风险提供了一条可供选择的思路，同时，储蓄服务也对农村投资具有重要的促进作用。农村金融发展也能促进经济发展和收入分配影响贫困人口的收入水平、生产生活成本、收入结构，帮助贫困人口改善其生产生活环境，拓宽其收入渠道，间接影响贫困。然后在农村金融发展减困的内在机理的基础上，结合我国农村金融发展减困的实际情况，本文选取农村金融发展指标和农村贫困指标分别检验了农村金融发展减困的效果和减困渠道通畅情况。研究发现，农村金融发展的不同指标对减困的效果不一样，农村金融发展对各减困渠道的影响也不一样，，这与我们所观察到农村实际情况相符合。最后根据前文的研究给出政策建议，提出构建与贫困人口需求特征相匹配的农村金融体系才能促进农村金融发展减困。
[Abstract]:Rural financial development has been playing an important role in the national poverty reduction road. However, the rural financial development through what way or channel to reduce hardship, what are the effects of poverty reduction? Based on these two basic problems, this paper aims to analyze the internal mechanism of rural financial development in poverty reduction, and to explore the correlation between rural financial development and poverty reduction. On the basis of summarizing previous research results, this paper analyzes the internal mechanism of poverty reduction in rural financial development, and thinks that rural financial development can affect the will of poor people to invest through the provision of credit services. The savings services provided by the rural finance play a vital role in smoothing the consumption of farmers, and provide an alternative way for the poor to resist the risks of economic life, at the same time, the savings services provided by the rural finance play a vital role in smoothing the consumption of farmers, providing an alternative way for the poor to resist the risks of economic life. Savings services also play an important role in promoting rural investment. Rural financial development can also promote economic development and income distribution to affect the income level of the poor, production and living costs, income structure, to help the poor people to improve their production and living environment, broaden their income channels, and indirectly affect poverty. Then on the basis of the inherent mechanism of poverty reduction in rural financial development, and in the light of the actual situation of poverty reduction in rural financial development in China, In this paper, the rural financial development indicators and rural poverty indicators are selected to test the effect of rural financial development and the smooth channel of poverty reduction. It is found that the effects of different indicators of rural financial development on poverty reduction are not the same, and the impact of rural financial development on various channels of poverty relief is not the same, which is consistent with the actual situation we have observed in rural areas. Finally, according to the above research, policy recommendations are given, and it is pointed out that the construction of rural financial system matching the characteristics of the needs of the poor population can promote the development of rural finance to reduce poverty.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7;F323.8

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