我国农村金融发展与农村经济增长关系研究
发布时间：2018-08-21 10:00
【摘要】： 农村人多地少、经济发展水平总体比较低是我国的基本国情。中国是一个农业大国,农村人口占的比重比较大,农村经济的发展状况关系着整个中国的经济发展状况,在新世纪,中国经济的发展日新月异,但是农村经济却发展非常缓慢,这种状况己成为中国经济飞速发展的障碍,因此,加快农村经济的发展已成为当今社会迫在眉睫的问题,而制约农村经济发展最重要的因素就是农村金融的供给瓶颈。 论文综合运用发展经济学、金融发展理论,在对金融发展理论与经济增长理论进行简单分析的基础上,对我国农村金融发展从规模、结构与效率三个方面与农村经济发展的关系进行了分析,并在计量经济学的基础上建立了一个包含农村金融发展规模、结构、效率三个方面的综合指标体系,用来衡量我国农村金融发展水平。这些指标数据的选取从1983年—2007年,时间跨度比较大,能够比较全面的放映我国农村金融发展的状况。本文首先这些指标数据的平稳性进行了单位根检验,结果显示这些指标的时间序列是二阶单整,并进行了协整检验,这些指标数据之间存在着长期的协整关系。然后运用格兰杰因果关系进行了检验,结果显示:我国农村金融发展与经济增长存在一定的长期均衡关系,农村经济增长是农村金融发展的原因,农村经济增长带动了农村的金融发展,但农村经济增长与农村金融发展并不是同步发展起来的,农村金融发展严重滞后于农村经济增长,农村金融的供给远远小于农村经济发展的需求。最后得出如下的结论:目前我国农村金融规模需在机构的数量和金融资产的总量上增加,要鼓励农村正规金融和非正规金融的发展;农村金融结构有待于进一步优化,建立健全农村金融体制机制;农村金融效率对农村经济增长的影响力度急需提高,加快储蓄向投资的转化。最后对加快我国农村金融的快速发展,创造良好的金融生态环境,从农村金融的规模、结构、和效率三方面提出了政策建议。
[Abstract]:The basic condition of our country is that rural people have more land and less land, and the level of economic development is generally low. China is a large agricultural country with a large proportion of the rural population. The development of the rural economy is related to the economic development of the whole country. In the new century, the economic development of China is changing with each passing day, but the rural economy is developing very slowly. This situation has become an obstacle to the rapid development of China's economy. Therefore, speeding up the development of rural economy has become an urgent social problem, and the most important factor restricting the development of rural economy is the supply bottleneck of rural finance. Based on the analysis of the theory of financial development and the theory of economic growth, the paper synthetically applies the theory of development economics and the theory of financial development to the scale of the development of rural finance in China. The relationship between structure and efficiency and rural economic development is analyzed, and a comprehensive index system including the scale, structure and efficiency of rural financial development is established on the basis of econometrics. Used to measure the level of rural financial development in China. The selection of these index data from 1983 to 2007, the time span is relatively large, can more comprehensive projection of the situation of rural financial development in China. In this paper, the stationarity of these index data is tested by unit root test. The results show that the time series of these indexes are second order single integral, and cointegration test is carried out, and there is a long-term cointegration relationship between these index data. Then Granger causality is used to test. The results show that there is a long-term equilibrium relationship between rural financial development and economic growth, and rural economic growth is the reason of rural financial development. The rural economic growth has driven the rural financial development, but the rural economic growth and the rural financial development have not developed synchronously, the rural financial development has lagged behind the rural economic growth seriously. The supply of rural finance is far less than the demand of rural economic development. Finally, the following conclusions are drawn: at present, the scale of rural finance in China needs to increase in the number of institutions and the total amount of financial assets, to encourage the development of rural formal and informal finance, the rural financial structure needs to be further optimized. It is urgent to improve the influence of rural financial efficiency on rural economic growth and accelerate the transformation from savings to investment. Finally, the paper puts forward some policy suggestions on speeding up the rapid development of rural finance in China and creating a good financial ecological environment from the aspects of scale, structure and efficiency of rural finance.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2009
【分类号】：F832.35;F323.8
本文编号：2195358
[Abstract]:The basic condition of our country is that rural people have more land and less land, and the level of economic development is generally low. China is a large agricultural country with a large proportion of the rural population. The development of the rural economy is related to the economic development of the whole country. In the new century, the economic development of China is changing with each passing day, but the rural economy is developing very slowly. This situation has become an obstacle to the rapid development of China's economy. Therefore, speeding up the development of rural economy has become an urgent social problem, and the most important factor restricting the development of rural economy is the supply bottleneck of rural finance. Based on the analysis of the theory of financial development and the theory of economic growth, the paper synthetically applies the theory of development economics and the theory of financial development to the scale of the development of rural finance in China. The relationship between structure and efficiency and rural economic development is analyzed, and a comprehensive index system including the scale, structure and efficiency of rural financial development is established on the basis of econometrics. Used to measure the level of rural financial development in China. The selection of these index data from 1983 to 2007, the time span is relatively large, can more comprehensive projection of the situation of rural financial development in China. In this paper, the stationarity of these index data is tested by unit root test. The results show that the time series of these indexes are second order single integral, and cointegration test is carried out, and there is a long-term cointegration relationship between these index data. Then Granger causality is used to test. The results show that there is a long-term equilibrium relationship between rural financial development and economic growth, and rural economic growth is the reason of rural financial development. The rural economic growth has driven the rural financial development, but the rural economic growth and the rural financial development have not developed synchronously, the rural financial development has lagged behind the rural economic growth seriously. The supply of rural finance is far less than the demand of rural economic development. Finally, the following conclusions are drawn: at present, the scale of rural finance in China needs to increase in the number of institutions and the total amount of financial assets, to encourage the development of rural formal and informal finance, the rural financial structure needs to be further optimized. It is urgent to improve the influence of rural financial efficiency on rural economic growth and accelerate the transformation from savings to investment. Finally, the paper puts forward some policy suggestions on speeding up the rapid development of rural finance in China and creating a good financial ecological environment from the aspects of scale, structure and efficiency of rural finance.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2009
【分类号】：F832.35;F323.8
【引证文献】
相关硕士学位论文 前5条
1 刘洋;山东省农村金融发展对经济增长影响的研究[D];天津财经大学;2011年
2 刘沂;济南市金融发展与经济增长关系研究[D];山东大学;2011年
3 王蓉;后农业税时代区域农地金融发展研究[D];甘肃农业大学;2012年
4 徐文成;农村金融发展对农业经济增长和农民增收影响的实证研究[D];吉林农业大学;2012年
5 贾风雷;河北农村金融发展与农村经济增长相关性实证研究[D];中南林业科技大学;2012年
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