發(fā)布時間：2018-05-23 22:46

  本文選題：農(nóng)業(yè)貸款 + 農(nóng)民增收��； 參考：《西北農(nóng)林科技大學》2012年碩士論文

【摘要】：隨著新農(nóng)村建設和農(nóng)業(yè)現(xiàn)代化的發(fā)展，陜西省農(nóng)民收入呈現(xiàn)不斷增長的趨勢，但與全國的差距卻越來越大，盡管目前國家的一些惠農(nóng)政策對農(nóng)業(yè)發(fā)展有重要作用，但農(nóng)民增收問題仍是關鍵，而陜西新農(nóng)村建設中凸顯出來的各種問題最直接的反映是資金投入不足，農(nóng)民貸款難問題嚴重制約了陜西農(nóng)民收入的增長。國內(nèi)大部分學者是從農(nóng)村金融角度分析與農(nóng)村經(jīng)濟發(fā)展的關系，而真正具體到陜西農(nóng)業(yè)貸款與農(nóng)民收入之間數(shù)量化的研究很少�；谶@一現(xiàn)象，本文將經(jīng)濟增長的理論運用到農(nóng)民收入增長中，運用具體數(shù)據(jù)利用回歸分析方法研究農(nóng)業(yè)貸款與農(nóng)民增收的關系，，并深入分析農(nóng)業(yè)貸款促進農(nóng)民增收的貢獻，以及如何有效地促進農(nóng)民增收，具有一定的理論與實踐意義。 本文從研究背景出發(fā)，介紹了本文的研究目的和意義，提出了具體的研究思路和方法。首先分析了陜西農(nóng)業(yè)貸款和農(nóng)民人均純收入的發(fā)展變化和現(xiàn)狀，提出陜西農(nóng)業(yè)貸款發(fā)展過程中存在的主要問題；在此基礎上，搜集了1991年至2010年的有關數(shù)據(jù)，利用線性回歸分析方法對陜西農(nóng)業(yè)貸款與農(nóng)民收入增長的關系進行研究，實證分析了農(nóng)業(yè)貸款與農(nóng)民增收的相關關系，農(nóng)業(yè)貸款支持農(nóng)民增收的貢獻率，以及農(nóng)民增收與其他影響因素的關系。分析結(jié)果顯示，農(nóng)村商品零售價格、農(nóng)業(yè)貸款和農(nóng)村勞動力就業(yè)結(jié)構(gòu)是農(nóng)民收入增長的格蘭杰原因，其中，農(nóng)業(yè)貸款與農(nóng)民收入間的線性關系非常顯著，但農(nóng)業(yè)貸款支持農(nóng)民增收的貢獻率一直較低。農(nóng)民受教育水平與農(nóng)民收入之間互為格蘭杰因果原因。最后，本文從陜西農(nóng)業(yè)貸款的投放力度、投放結(jié)構(gòu)、資金使用效率等方面，提出促進農(nóng)民增收的對策和建議。本文的可能創(chuàng)新之處是分析出農(nóng)業(yè)貸款促進農(nóng)民增收的貢獻程度、對農(nóng)民增收的貢獻作用的階段化特征以及在農(nóng)業(yè)貸款中如何協(xié)調(diào)處理政府、資金供給方、資金需求方之間的關系。
[Abstract]:With the development of new rural construction and agricultural modernization, the income of farmers in Shaanxi Province is increasing, but the gap between Shaanxi Province and the whole country is growing, although some favorable agricultural policies are playing an important role in the development of agriculture. However, the problem of increasing farmers' income is still the key, and the most direct reflection of all kinds of problems in the construction of new rural areas in Shaanxi is the shortage of capital investment, and the difficulty of farmers' loans seriously restricts the growth of farmers' income in Shaanxi. Most domestic scholars analyze the relationship between rural finance and rural economic development from the point of view of rural finance, but the real quantitative research on the relationship between agricultural loans and farmers' income in Shaanxi Province is rare. Based on this phenomenon, this paper applies the theory of economic growth to the growth of farmers' income, studies the relationship between agricultural loans and farmers' income by using the method of regression analysis, and deeply analyzes the contribution of agricultural loans to the increase of farmers' income. And how to effectively promote the increase of farmers' income, has certain theoretical and practical significance. Based on the research background, this paper introduces the purpose and significance of the research, and puts forward the specific research ideas and methods. Firstly, the paper analyzes the development, changes and present situation of agricultural loans and per capita net income of farmers in Shaanxi, and points out the main problems in the development of agricultural loans in Shaanxi. On this basis, the relevant data from 1991 to 2010 are collected. The relationship between agricultural loans and farmers' income growth in Shaanxi Province is studied by using linear regression analysis, and the correlation between agricultural loans and farmers' income is analyzed empirically, and the contribution rate of agricultural loans to farmers' income increase is analyzed. And the relationship between farmers' income increase and other influencing factors. The results show that the rural commodity retail prices, agricultural loans and rural labor employment structure are the Granger reasons for the increase of farmers' income, among which, the linear relationship between agricultural loans and farmers' income is very significant. However, agricultural loans to support farmers to increase income has been low contribution rate. There is a Granger causality between the farmer's education level and the farmer's income. Finally, this paper puts forward the countermeasures and suggestions to increase the farmers' income from the aspects of the intensity, the structure of the agricultural loans and the efficiency of the use of funds in Shaanxi province. The possible innovation of this paper is to analyze the contribution degree of agricultural loan to increase farmers' income, the stage characteristics of contribution to farmers' income increase, and how to deal with the government and fund supply side in agricultural loan. The relationship between the demand side of capital.
【學位授予單位】：西北農(nóng)林科技大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F327;F832.4;F224

【參考文獻】

中國期刊全文數(shù)據(jù)庫 前10條

1 張國強;;農(nóng)村資金外流與農(nóng)村經(jīng)濟發(fā)展:基于投融資視角的研究[J];北方經(jīng)濟;2006年04期

2 薛緋;顧曉敏;;關于貸款風險防范的理論綜述[J];商業(yè)研究;2008年11期

3 楊燦明;郭慧芳;孫群力;;我國農(nóng)民收入來源構(gòu)成的實證分析——兼論增加農(nóng)民收入的對策[J];財貿(mào)經(jīng)濟;2007年02期

4 傅小龍;曹舒璇;;農(nóng)民收入問題的重新認識及對策[J];重慶交通學院學報(社會科學版);2006年01期

5 鐘再群;;增加農(nóng)民收入必須破除四大壁壘——衡山縣農(nóng)民增收障礙實證研究[J];湖南農(nóng)業(yè)大學學報(社會科學版);2006年01期

6 張會平;孫艷杰;;合理解決農(nóng)業(yè)貸款資金供給和需求的矛盾[J];吉林財稅高等�？茖W校學報;2006年03期

7 郭沛;中國農(nóng)村非正規(guī)金融規(guī)模估算[J];經(jīng)濟研究參考;2004年39期

8 許永兵;;消費需求影響經(jīng)濟增長的實證研究[J];經(jīng)濟與管理;2006年05期

9 郭敏,屈艷芳;農(nóng)戶投資行為實證研究[J];經(jīng)濟研究;2002年06期

10 李普亮;賈衛(wèi)麗;;中國財政對農(nóng)業(yè)投入績效研究綜述[J];經(jīng)濟縱橫;2009年04期

中國碩士學位論文全文數(shù)據(jù)庫 前9條

1 劉興亞;支農(nóng)貸款與安徽省農(nóng)業(yè)產(chǎn)業(yè)結(jié)構(gòu)調(diào)整及農(nóng)民增收成效的相關性研究[D];南京農(nóng)業(yè)大學;2004年

2 陳沖;安徽省農(nóng)業(yè)貸款與農(nóng)民收入的相關性分析[D];對外經(jīng)濟貿(mào)易大學;2006年

3 楊偉;農(nóng)村金融對農(nóng)民增收的實證分析[D];合肥工業(yè)大學;2007年

4 劉樹軍;新疆農(nóng)業(yè)貸款對農(nóng)業(yè)經(jīng)濟增長的支持作用研究[D];新疆農(nóng)業(yè)大學;2007年

5 沈韋林;我國農(nóng)村金融與農(nóng)民收入增長的關系研究[D];重慶大學;2007年

6 陳盼;農(nóng)信農(nóng)財資金與農(nóng)民收入增長的實證研究[D];西南大學;2010年

7 劉軼;陜西省農(nóng)村經(jīng)濟增長與金融發(fā)展關系研究[D];西北大學;2010年

8 張勝戚;陜西省財政支農(nóng)支出與農(nóng)業(yè)經(jīng)濟增長關系的實證研究[D];西北大學;2010年

9 劉煥;陜西省農(nóng)信社農(nóng)業(yè)貸款支持農(nóng)民增收的實證研究[D];西北農(nóng)林科技大學;2010年

本文編號：1926679