本文關(guān)鍵詞： 農(nóng)民收入 農(nóng)村金融 協(xié)整分析 誤差修正 面板數(shù)據(jù)　出處：《西南政法大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：“三農(nóng)”問題一直是關(guān)系我國經(jīng)濟(jì)發(fā)展的核心問題之一。尤其最近幾年，隨著國家對“三農(nóng)”重視程度的增強(qiáng)，在國家的綜合力增長中，農(nóng)民增收所存在的現(xiàn)實(shí)問題也被逐日重視。視線落實(shí)到廣大的農(nóng)村地區(qū)，農(nóng)民收入與農(nóng)村經(jīng)濟(jì)相互影響，相互作用。農(nóng)村經(jīng)濟(jì)的發(fā)展會帶來農(nóng)民收入的增長，但農(nóng)村經(jīng)濟(jì)若想獲得持續(xù)性的發(fā)展又需要農(nóng)村金融的鼎立支撐�，F(xiàn)如今的農(nóng)村地區(qū)的金融服務(wù)體系還遠(yuǎn)遠(yuǎn)不夠完善，根本難以滿足經(jīng)濟(jì)的基本需求，農(nóng)民收入的增長因而被阻礙。如此一來，很現(xiàn)實(shí)的問題擺在了我們目前，即怎樣通過深化金融來消除妨礙金融抑制以實(shí)現(xiàn)農(nóng)民增收。 本文通過總結(jié)和借鑒國內(nèi)外學(xué)者對該問題的研究文獻(xiàn)，提出了自己的研究方法和研究方向。文章詳細(xì)闡述了相關(guān)的基礎(chǔ)理論以及農(nóng)村金融發(fā)展對農(nóng)民收入影響的作用機(jī)理，結(jié)合我國當(dāng)前發(fā)展現(xiàn)狀，運(yùn)用相關(guān)的歷史數(shù)據(jù)進(jìn)行了實(shí)證檢驗(yàn)，并對得到的檢驗(yàn)結(jié)果進(jìn)行評價(jià)，希望可以為促進(jìn)我國農(nóng)民收入提出具有參考價(jià)值的對策和建議。 本文實(shí)證部分，從時間序列和面板數(shù)據(jù)兩個角度來研究我國農(nóng)村金融發(fā)展對農(nóng)民收入的影響。把農(nóng)村金融發(fā)展的規(guī)模、結(jié)構(gòu)和效率作為衡量農(nóng)村金融發(fā)展水平的指標(biāo)，把農(nóng)村居民家庭人均純收入作為衡量農(nóng)民收入水平的指標(biāo)。以此分析農(nóng)村金融對農(nóng)民增收做出的貢獻(xiàn)和存在的不足，，并以此為依據(jù)提出促進(jìn)農(nóng)村金融發(fā)展的相關(guān)建議和對策。從全國來講，本文采用協(xié)整分析的方法，并利用誤差修正模型以及Granger因果關(guān)系檢驗(yàn)，選取從1990到2011年的不同數(shù)據(jù)資料，對我國農(nóng)村金融和農(nóng)村增收之間的相互關(guān)系結(jié)合有關(guān)的指標(biāo)進(jìn)行實(shí)證分析。結(jié)果發(fā)現(xiàn)，農(nóng)村金融發(fā)展與農(nóng)民增收之間存在長期的均衡關(guān)系和短期的修正關(guān)系，農(nóng)村金融發(fā)展對農(nóng)民收入增加起到了促進(jìn)作用。從省級角度來講，主要采取了hausman檢驗(yàn)對固定效應(yīng)和隨機(jī)效應(yīng)進(jìn)行選擇。發(fā)現(xiàn)對中部地區(qū)來說，中部地區(qū)農(nóng)村金融的規(guī)模對于農(nóng)民收入的增長具有明顯的顯著的促進(jìn)作用。而相反農(nóng)村金融發(fā)展的結(jié)構(gòu)和農(nóng)村金融發(fā)展的效率對于農(nóng)民收入的增長起到阻礙作用。 最后根據(jù)實(shí)證結(jié)果提出建議：（1）大力遏制農(nóng)村資金外流的現(xiàn)象。（2）發(fā)揮正規(guī)農(nóng)村金融的主導(dǎo)作用。（3）完善并發(fā)展農(nóng)村非正規(guī)金融。（4）堅(jiān)持市場化原則和商業(yè)化運(yùn)作模式。（5）創(chuàng)新農(nóng)村金融工具,將有限金融資源投入到農(nóng)村二、三產(chǎn)業(yè)。
[Abstract]:The issue of "agriculture, countryside and farmers" has always been one of the core problems related to the economic development of our country. Especially in recent years, with the increase of the country's emphasis on "agriculture, countryside and farmers", the comprehensive strength of the country is growing. The problem of increasing farmers' income is paid more and more attention day by day. In the vast rural areas, the farmers' income and rural economy interact and interact. The development of rural economy will bring about the increase of farmers' income. However, if the rural economy wants to achieve sustainable development, it needs the support of rural finance. Nowadays, the financial service system in rural areas is far from perfect, and it is difficult to meet the basic needs of the economy. The growth of farmers' income is thus hindered. Thus, the real question lies in how to deepen the financial system to eliminate the financial constraints to achieve the increase in farmers' income. This paper summarizes and draws lessons from the domestic and foreign scholars on the issue of research literature. Put forward their own research methods and research direction. The article elaborated the relevant basic theory and the rural financial development to the farmer income influence mechanism, unifies our country present development present situation. This paper makes an empirical test with relevant historical data and evaluates the results obtained in the hope that the countermeasures and suggestions with reference value can be put forward for promoting the income of farmers in China. The empirical part of this paper from the time series and panel data to study the impact of rural financial development on farmers' income. Structure and efficiency as indicators to measure the level of rural financial development. Taking the per capita net income of rural households as an indicator to measure the level of farmers' income, this paper analyzes the contribution and shortcomings of rural finance to the increase of farmers' income. Based on this, the paper puts forward some suggestions and countermeasures to promote the development of rural finance. From the national point of view, this paper adopts the method of cointegration analysis, and uses the error correction model and Granger causality test. Selecting different data from 1990 to 2011, this paper makes an empirical analysis of the relationship between rural finance and rural income increase in China. The results show that the relationship between rural finance and rural income increase is related to the relationship between rural finance and rural income. There is a long-term equilibrium relationship and a short-term correction relationship between rural financial development and farmers' income increase. Rural financial development has played a role in promoting the increase of farmers' income. The hausman test was adopted to select the fixed effect and random effect. On the other hand, the structure of rural financial development and the efficiency of rural financial development hinder the growth of farmers' income. . Finally, according to the empirical results, the author puts forward some suggestions: (1) the phenomenon of curbing the outflow of rural capital vigorously. (2) giving play to the leading role of formal rural finance. (3) perfecting and developing rural informal finance. Adhere to the principle of marketization and commercial operation mode. 5) innovative rural financial instruments. Limited financial resources will be invested in the rural secondary and tertiary industries.
【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.7;F323.8

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