本文關鍵詞：甘肅省農村信貸排斥程度及其影響因素研究　出處：《甘肅農業(yè)大學》2017年碩士論文　論文類型：學位論文

  更多相關文章： 金融排斥 農村信貸排斥 甘肅省

【摘要】：隨著農業(yè)現(xiàn)代化改革的不斷深入,農村經濟水平取得了較快發(fā)展。然而,農村金融領域的發(fā)展相對較為緩慢,金融資源供需矛盾日益突出,尤其是在經濟欠發(fā)達的農村地區(qū),普遍存在著較為嚴重的信貸排斥問題。農村信貸服務質量的高低,直接影響著金融發(fā)展的整體水平。解決農村信貸排斥問題,是推動普惠金融發(fā)展必由之路,也是農村金融深化改革的必然選擇。由于受到各方面因素的影響,甘肅省農村地區(qū)的信貸服務水平在全國依然排名較后。因此,對甘肅省農村信貸排斥問題進行分析,有利于增強新形勢下農村金融機構對“三農”發(fā)展的信貸資金支持,對于優(yōu)化農村金融供給側結構性改革具有一定參考意義。本研究運用定性比較分析法,對甘肅省農村信貸排斥的現(xiàn)狀進行了分析,并基于“六維度”理論模型對其具體原因進行了探討。研究結果表明,甘肅省農村金融供給乏力,存在涉農貸款投放主體單一、增長率不穩(wěn)、相對規(guī)�？s減及存貸差額較大等問題;主要支農金融機構在網點設立、營銷定位、條件設置、評估方式、價格設定上具有排斥特征。運用TOPSIS綜合分析法定量分析了甘肅省農村信貸排斥程度發(fā)現(xiàn):從空間上看,甘肅省農村信貸排斥程度區(qū)域差異較大,排斥程度最高的定西(0.97)和最低的嘉峪關(0.26)跨度高達0.71;空間格局明顯,隴東和隴中地區(qū)的排斥程度分別高達0.95、0.92。從時間上看,甘肅省農村信貸排斥程度長期處于0.8~0.9的較高水平,但近年來的農村金融改革對農村信貸排斥程度的減緩作用顯著,說明金融深化能夠有效削弱排斥程度。通過單位根檢驗、協(xié)整分析及誤差修正后分析等方法對甘肅省農村信貸排斥的影響因素進行了實證分析,發(fā)現(xiàn)農村就業(yè)結構、農業(yè)技術現(xiàn)代化率及農村GDP無論是在長期還是短期,對農村信貸排斥程度均具有顯著反向作用,說明農村信貸排斥問題的解決依賴于農村農業(yè)的發(fā)展、農民的個體特征及農村外部經濟環(huán)境要素的優(yōu)化。根據甘肅省農村信貸排斥問題及其制約因素,提出以下建議:大力發(fā)展普惠金融,進一步深化農村金融改革;堅持積極的政策引導,完善農村金融運行機制;加大農業(yè)保險、補貼力度,引導社會資金流向農村;加強農業(yè)現(xiàn)代化項目建設,改善農村金融生態(tài)環(huán)境;加強人文基礎建設,提升農民的金融認知能力;完善公共財政體系,為農村金融發(fā)展提供支撐。
[Abstract]:With the deepening of the reform of agricultural modernization, the level of rural economy has made rapid development. However, the development of rural financial field is relatively slow, and the contradiction between supply and demand of financial resources is increasingly prominent. Especially in the underdeveloped rural areas, there is a serious problem of credit exclusion. The quality of rural credit service directly affects the overall level of financial development and solves the problem of rural credit exclusion. Is the only way to promote the development of inclusive finance, but also the inevitable choice for deepening the reform of rural finance. Because of the influence of various factors, the credit service level in rural areas of Gansu Province is still lower in the country. The analysis of the problem of rural credit exclusion in Gansu Province is helpful to strengthen the credit fund support of rural financial institutions to the development of agriculture, rural areas and farmers under the new situation. For optimizing the supply-side structural reform of rural finance has a certain reference significance. This study uses qualitative comparative analysis to analyze the current situation of rural credit exclusion in Gansu Province. And based on the "six dimensions" theoretical model to explore its specific reasons. The results show that Gansu Province rural financial supply is weak, there is a single main body of agriculture-related loans, the growth rate is unstable. The relative scale is reduced and the difference between deposit and loan is large. The main agricultural financial institutions in the establishment of network, marketing positioning, setting up conditions, evaluation methods. Price setting has the characteristics of exclusion. Quantitative analysis of rural credit exclusion degree in Gansu Province by TOPSIS comprehensive analysis: from a spatial point of view, Gansu Province rural credit exclusion degree of regional differences. The span of Dingxiang 0.97) and the lowest Jiayuguan 0.26) is as high as 0.71; The spatial pattern is obvious, the exclusion degree of Longdong and the middle of Gansu is as high as 0.950.92 respectively. From the time point of view, the degree of rural credit exclusion in Gansu Province is in the high level of 0.80.90 for a long time. However, the rural financial reform in recent years has significantly reduced the degree of rural credit exclusion, indicating that financial deepening can effectively weaken the degree of exclusion, through the unit root test. The co-integration analysis and error correction analysis are used to analyze the influencing factors of rural credit exclusion in Gansu Province, and the structure of rural employment is found. Agricultural technology modernization rate and rural GDP in the long term or in the short term have a significant negative effect on rural credit exclusion, indicating that the solution of rural credit exclusion depends on the development of rural agriculture. According to the problem of rural credit exclusion in Gansu Province and its restrictive factors, the following suggestions are put forward: vigorously developing inclusive finance and further deepening rural financial reform; Adhere to active policy guidance, improve the rural financial operation mechanism; Increase agricultural insurance, subsidies, and guide social funds to rural areas; Strengthening the construction of agricultural modernization projects and improving the rural financial ecological environment; Strengthen the construction of humanistic infrastructure, enhance the financial cognitive ability of farmers; Improve the public finance system to provide support for rural financial development.
【學位授予單位】：甘肅農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.43

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