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论文题名(中文):

 山西农村金融抑制与解除问题研究

作者:

 侯希红

论文语种:

 chi

学科名称:

 农业经济管理

学位:

 农学硕士

学校:

 山西农业大学

院系:

 经济贸易学院

专业:

 农业经济管理

研究方向:

 农村区域发展

第一导师姓名:

 宗颖生

论文完成日期:

 2007-06-01

论文题名(外文):

 Study on the Rural Financial Repression and Relief in Shanxi

关键词(中文):

 农村金融 农村经济增长 小额信贷 金融抑制

关键词(外文):

 Rural Finance Rural Economic Growth Small Amount Credit Financial Repression

论文文摘(中文):

山西省自改革开放以来,经济取得了较大发展。研究表明,从1979年到2005年,山西GDP年均递增8.98 (可比价)。但不可否认的是,山西省城乡居民、农民内部之间却存在着不小的差距,而且差距在不断拉大。“三农”问题成了困扰山西省经济发展的一个重大难题。造成农村经济增长缓慢的原因有很多,其中比较重要的就是农村金融抑制问题。

长期以来,农村金融与“三农”的关系一直是人们广泛关注的问题。但是以往的研究多数是处在国家层面上,而地区层面的研究分析则相对较少。本文则将研究对象定位为国家内的地区,研究山西省的农村金融抑制和解除问题。

本文从农村金融及农村经济增长理论为出发点,通过总产出模型推导出与金融因素相关的经济增长模型。通过对山西农村数据的实证检验得出山西农村经济增长模型,研究得出山西农村金融发展指标是解释农村经济增长的重要变量。然后分析目前山西农村金融抑制的现状和原因,提出解除金融抑制,促进山西农村经济发展的政策建议。

文摘(外文):

Since the reforming and opening-up of our country, the economy of Shanxi has taken great development.The research indicates that from 1979 to 2005 each year, the GDP of Shanxi increased by 8.98% on average (at constant prices). But there is no denying that between the urban and suburban residents’ income, and also among the rural areas, there is no small gap, and the gap has been broadened. The issue of "Agriculture, Rural, and farmer" has become an important problem puzzling the Shanxi economy. Indeed, there may be many reasons engendering the slow rural economy's growth, among which the more important one is the rural finance constraint.

For a long time, we have paid extensive attention to the problem of the relationship between the rural finance and the “THREE RURAL PROBLEMS”. But the research in the past often aimed at the country’s level, and there were few the regional researches on this subject. So the research object of this paper is set as certain region in a country. This paper studies the problem of the Rural Financial repression and relief in Shanxi

     This paper, taking rural financial development and rural economic growth theory as starting point, by gross output model, puts out economic growth model which are related with financial factors. Through the substantial inspection of Shanxi rural data, this paper puts out Shanxi rural economic growth model and educes an important view that the index of Shanxi rural financial development is a significant variable which can explain the rural economic growth, then analyses the present condition and the reasons of rural financial constraint in Shanxi, and puts forward the policy and advices to relieve the financial repression, and enhance the development of Shanxi rural economy.

 

论文目录:

目 录


摘要.... 1


1 引言.... 2


1.1问题提出和意义.... 2


1.1.1问题提出.... 2


1.1.2研究意义.... 2


1.2研究内容和结构.... 3


1.2.1研究内容.... 3


1.2.2论文结构.... 3


1.3研究思路与方法.... 3


1.3.1研究思路.... 3


1.3.2研究方法.... 3


1.4研究创新与不足.... 4


1.4.1研究创新.... 4


1.4.2不足之处.... 5


2 国内外研究动态.... 6


2.1国外研究动.... 6


2.2国内研究动态.... 8


3 山西农村金融发展概况.... 11


3.1我国农村金融体制发展回顾.... 11


3.1.1农村正规金融组织发展回顾.... 11


3.1.2非正规金融组织发展回顾.... 11


3.2山西农村金融概况.... 12


3.2.1正规金融概况.... 12


3.2.2非正规金融概况.... 13


4 山西农村金融资产及信贷分析. 14


4.1山西农村金融资产分析.... 14


4.1.1山西农村金融资产静态分析.... 14


4.1.2山西农村金融资产动态分析.... 15


4.2山西农村信贷分析.... 16


4.2.1农村信贷效益指标分析.... 16


4.2.2农村信贷结构指标分析.... 16


4.2.3信贷支持偏好指标分析.... 19


5 山西农村金融发展与农村经济增长的实证分析. 22


5.1理论模型的构造.... 22


5.2指标选取与技术处理.... 23


5.3回归分析与结论.... 24


5.4“金融抑制”制约山西农村经济增长.... 27


6 山西农村金融抑制分析.... 28


6.1农村金融抑制:基于需求方的分析.... 28


6.1.1农户金融行为分析.... 28


6.1.2运城吕梁农户金融调查.... 29


6.2农村金融抑制:基于供给方的分析.... 40


6.2.1农村信用社供给分析.... 41


6.2.2央行支农再贷款供给分析.... 43


6.2.3民间金融小额信贷:基于“平遥模式” 分析.... 44


7 山西农村金融抑制的解除. 47


7.1加快推进农村信用社改革.... 47


7.2促进农村政策性金融的发展.... 50


7.3规范引导非正规金融的发展.... 51


7.4完善相关政策的配套改革.. 53


结论. 54


参考文献. 55


Abstract. 57


致谢………………………………………………………………………………………….58

开放日期:

 2007-06-01

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