湖北省农村金融发展与农村经济增长问题研究

发布时间：2018-05-23 17:33

本文选题：农村金融 + 农村经济　；参考：《华中师范大学》2014年硕士论文

【摘要】：近年来,随着我国城市化建设的进一步深化,我国城镇化的程度也显著提高,而农村的经济发展却一直停滞不前,这样一来使原本已经形成的城乡二元经济结构更加严重,农村经济的落后和大城市的现代化建设显得格格不入,贫富两级分化严重,城市与农村发展极不协调,这不仅影响我国城市化建设的进程,而且阻碍了我国整体经济的发展。因此,我国在发展城市经济的同时,也应当在农村经济发展建设中注入更多力量来促进农村经济又好又快的发展,推进农村经济结构转型,促进农村经济发展。我国要发展农村经济,可以从农村金融这一视角切入。整个国民经济的发展需要以农村经济的发展为基础,农村金融也能够很好的促进农村经济的增长。湖北省地处我国中部地区,是一个农业大省,其具有明显的综合优势,为其经济发展带来了有利条件。交通、区位的优势、农业发展的优势、能源优势、市场优势和劳动力及人才优势等等,然而其农村金融的发展远远落后于农村经济的增长,其中不仅有我国农村金融制度问题的因素,也与我国在农村金融机构建设与组织形式上不完善有关。国内不少学者专家对我国农村金融发展与经济增长关系进行了大量的分析,他们运用金融发展理论和经济增长理论做了许多实证分析。他们得出的结论是,中国在近十年的经济发展中,农村金融上升比率飞快,并且伴随着金融规模的迅速扩大,这主要得益于我国政府推行的一系列对农村的经济体制的改革,促使农村经济的快速增长,伴随而来的即农村日益增长的经济对金融资金需求的迅速增长。本文收集了2000年至2012年《湖北省统计年鉴》的统计数据,对湖北省农村人均收入、农民存款、农村贷款和农村固定资产投资这四个指标进行数据统计,运用实证分析的方法对湖北省农村金融和农村经济增长的关系进行了研究。由介绍国内外对农村经济与金融的研究方向和研究重点引入,然后以湖北省为例,介绍了湖北省农村金融发展与农村经济增长现状。根据所选所选取的时间序列数据,通过运行Eviews计量软件,使用对数和差分的方式对数据进行处理,进而深入讨论农村金融发展与农村经济增长的关系,并得出了“省内农村金融供给和农村固定资产投资的增加在一定程度上对农村经济的发展起到了促进作用”的结论。最后,本文针对湖北省农村金融和农村经济的发展的实际情况和存在问题,结合国外农村金融发展经验提出了改善湖北省农村金融体系的对策建议。
[Abstract]:In recent years, with the further development of urbanization in our country, the degree of urbanization in our country has also increased significantly, while the economic development in rural areas has been stagnant, which has made the dual economic structure between urban and rural areas more serious. The backwardness of rural economy and the modernization construction of big cities are out of step with each other. The polarization between the rich and the poor is serious, and the development of cities and rural areas is very uncoordinated. This not only affects the process of urbanization construction in our country, but also hinders the development of the whole economy of our country. Therefore, while developing the urban economy, our country should also inject more strength into the rural economic development to promote the rural economic development, promote the structural transformation of the rural economy, and promote the rural economic development. Our country wants to develop rural economy, can cut into from this angle of view of rural finance. The development of the whole national economy needs to be based on the development of rural economy, and rural finance can also promote the growth of rural economy. Hubei Province is located in the central part of China and is a big agricultural province. It has obvious comprehensive advantages and brings favorable conditions for its economic development. The advantages of transportation, location, agricultural development, energy, market, labor force and talent, etc., however, the development of rural finance lags far behind the growth of rural economy. There are not only the problems of rural financial system, but also the imperfections in the construction and organization of rural financial institutions. Many domestic scholars and experts have made a great deal of analysis on the relationship between the development of rural finance and economic growth in China. They have made a lot of empirical analysis using the theory of financial development and economic growth. They concluded that in the recent decade of economic development in China, the rate of rural finance has risen rapidly and accompanied by the rapid expansion of financial scale. This is mainly due to a series of reforms of the rural economic system implemented by the Chinese government. To promote the rapid growth of rural economy, accompanied by the rapid growth of rural economic demand for financial funds. This paper collects the statistical data of the Statistical Yearbook of Hubei Province from 2000 to 2012, and makes statistics on the four indicators of Hubei Province, such as rural per capita income, farmers' deposits, rural loans and rural fixed assets investment. The relationship between rural finance and rural economic growth in Hubei Province is studied by empirical analysis. This paper introduces the research direction and emphasis of rural economy and finance at home and abroad, and then takes Hubei Province as an example to introduce the present situation of rural financial development and rural economic growth in Hubei Province. According to the selected time series data, the relationship between rural financial development and rural economic growth is discussed by running Eviews software and using logarithmic and differential methods to process the data. The conclusion is drawn that the increase of rural financial supply and rural fixed assets investment has promoted the development of rural economy to a certain extent. Finally, according to the actual situation and existing problems of the development of rural finance and rural economy in Hubei Province, this paper puts forward some countermeasures and suggestions to improve the rural financial system of Hubei Province, combined with the experience of foreign rural financial development.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F127

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