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我国农村金融体系变迁与经济发展关系的实证研究

发布时间:2018-03-28 01:02

  本文选题:农村金融体系 切入点:金融发展 出处:《兰州大学》2015年硕士论文


【摘要】:金融发展和经济增长之间关系的研究是经济学的一个经典命题,农村金融发展与农村经济增长之间不可忽略地存在着联系,农村金融体系的变迁将会促使金融发展发生一定变化,在不同农村金融体制下,农村金融发展与农村经济发展之间的关系是不同的。与经济发展不匹配、落后的农村金融体系将会制约着农村经济的进一步发展,因此需要对现有的农村金融体制进行一定的改革,使在新的农村金融体系下,农村的经济发展与金融发展之间以更加协调匹配的方式互相促进发展。本文构建了用农村货币化率、农村金融相关比率来衡量我国农村金融发展水平以及用农业总产值、粮食总产量、第一产业劳动力比重、农民人均纯收入来衡量我国农村经济发展水平的指标体系,选取了我国1979年至2012年期间的农村经济、金融相关数据,运用这些指标和数据分析了我国不同农村金融体系下的农村经济发展与金融发展情况,通过构建农村经济发展系统与农村金融发展系统之间的耦合协调模型研究了不同时点、不同农村金融体系下农村金融发展与农村经济发展之间的关系,研究发现随着社会的进步与农村金融体系的变迁,我国的农村金融与农村经济均在不断向前发展,同时农村金融发展与农村经济发展之间的关系由最初的极度失调到目前的勉强协调,农村金融发展滞后于农村经济发展。文章以这些研究结论为切入点并结合我国农村的实际情况,从推进农村信用体系建设、改进农村信贷担保制度、加强农村金融监管、引进新型金融机构及开展更多支农金融业务方面对加快我国农村金融体制改革提出了建议与对策。
[Abstract]:The study of the relationship between financial development and economic growth is a classic proposition of economics. The relationship between rural financial development and rural economic growth can not be ignored. The vicissitude of rural financial system will promote the change of financial development. Under different rural financial systems, the relationship between rural financial development and rural economic development is different. The backward rural financial system will restrict the further development of the rural economy. Therefore, it is necessary to reform the existing rural financial system in order to make it possible under the new rural financial system. Rural economic development and financial development promote the development of each other in a more coordinated and matching way. This paper constructs the rural monetization rate, the rural financial correlation ratio to measure the level of rural financial development and the total agricultural output value. The total grain output, the proportion of primary industry labor force, the per capita net income of farmers to measure the level of rural economic development in China is an indicator system. The relevant data of rural economy and finance from 1979 to 2012 are selected. Using these indexes and data, this paper analyzes the development of rural economy and finance under different rural financial systems in China, and studies different points by constructing the coupling and coordination model between rural economic development system and rural financial development system. The relationship between rural financial development and rural economic development under different rural financial systems, the study found that with the progress of society and the changes of rural financial system, both rural finance and rural economy are developing continuously. At the same time, the relationship between rural financial development and rural economic development has changed from the initial extreme imbalance to the present barely coordinated. The development of rural finance lags behind the development of rural economy. This paper regards these conclusions as the starting point and combines the actual situation of our country's countryside, from promoting the construction of the rural credit system, improving the rural credit guarantee system, strengthening the rural financial supervision. In the aspect of introducing new financial institutions and carrying out more agricultural financial services, suggestions and countermeasures are put forward to accelerate the reform of rural financial system in China.
【学位授予单位】:兰州大学
【学位级别】:硕士
【学位授予年份】:2015
【分类号】:F832.35;F323

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