本文選題：正規(guī)金融 + 非正規(guī)金融��； 參考：《西北農(nóng)林科技大學(xué)》2017年碩士論文

【摘要】：黨和政府歷來關(guān)注我國特有的“三農(nóng)”問題,“三農(nóng)”問題的核心則是農(nóng)民的收入問題。近年來,黨和政府明確指出必須牢牢依靠農(nóng)村金融來推動(dòng)農(nóng)村經(jīng)濟(jì)向前發(fā)展,堅(jiān)決有效地提高農(nóng)戶收入水平。我國農(nóng)村金融市場不僅存在著正規(guī)金融機(jī)構(gòu),也活躍著大量的非正式借貸。同時(shí),進(jìn)入新世紀(jì)后我國農(nóng)民收入的組成部分發(fā)生了巨大轉(zhuǎn)變,非農(nóng)化、多元化特征越發(fā)的明顯起來。因此,研究新形勢下我國農(nóng)村金融對(duì)農(nóng)戶收入的作用結(jié)果及其內(nèi)在的作用機(jī)理具有重要的理論與現(xiàn)實(shí)意義。本文首先歸納我國農(nóng)民借貸現(xiàn)狀、農(nóng)戶收入現(xiàn)狀以及農(nóng)民借貸與農(nóng)戶收入關(guān)系的研究理論與成果,總結(jié)目前研究的成就與不足。其次,引用傳統(tǒng)的借貸理論,結(jié)合當(dāng)下的農(nóng)村借貸情況,重新界定農(nóng)戶、農(nóng)戶借貸與農(nóng)戶收入等概念。然后借鑒前人的理論與成果,作為本文的理論支撐。在實(shí)證分析部分,本文基于北大研究所公布的農(nóng)戶微觀面板數(shù)據(jù),運(yùn)行固定效應(yīng)模型,并對(duì)模型的結(jié)果進(jìn)行一定的解釋與說明。最后總結(jié)運(yùn)行模型的主要結(jié)論,然后根據(jù)文章得出的結(jié)論提出相應(yīng)的政策建議。相比已有文獻(xiàn)資料,本文存在以下可能的創(chuàng)新點(diǎn):首先,在消除了農(nóng)戶借貸的內(nèi)生性問題的基礎(chǔ)上,分別考察正規(guī)金融貸款與非正規(guī)金融貸款對(duì)農(nóng)戶收入的效應(yīng),探索兩種渠道的農(nóng)戶貸款對(duì)其家庭收入水平及收入結(jié)構(gòu)的影響。其次,與曲小剛等(2013)的文章不同,本文將研究對(duì)象由農(nóng)戶生產(chǎn)性支出轉(zhuǎn)為農(nóng)戶收入,并且在計(jì)量模型中添加年度虛擬變量、戶主學(xué)歷與年度虛擬變量的交互項(xiàng),可以分別考察農(nóng)戶收入以及戶主學(xué)歷回報(bào)的時(shí)間變化趨勢。分析結(jié)果表明,正規(guī)金融借貸對(duì)農(nóng)戶家庭純收入具有顯著的正向影響,同時(shí)這種影響在我國各地區(qū)之間表現(xiàn)出了明顯的地區(qū)差異;非正規(guī)金融借貸對(duì)農(nóng)戶經(jīng)營性收入具有一定程度的負(fù)向影響,中部地區(qū)非正規(guī)金融借貸對(duì)農(nóng)戶經(jīng)營性收入的阻礙作用相對(duì)較小;無論是正規(guī)金融借貸還是非正規(guī)金融借貸,均未對(duì)農(nóng)戶家庭成員的工資性收入產(chǎn)生顯著的影響。因此,一方面要繼續(xù)加大信用社等正規(guī)金融機(jī)構(gòu)投放貸款的力度與額度,另一方面要允許設(shè)立更多的民間金融機(jī)構(gòu),同時(shí)在不同的地區(qū)有針對(duì)性地制定適宜的政策與法規(guī)。相比基期,農(nóng)民的文化程度對(duì)其家庭純收入和工資性收入的作用在時(shí)間上變化不大,甚至在減弱。對(duì)此,政府應(yīng)當(dāng)加強(qiáng)對(duì)農(nóng)民務(wù)工方面的培訓(xùn),將農(nóng)民的學(xué)歷真正轉(zhuǎn)化為人力資本,進(jìn)而提高他們的相關(guān)收入。
[Abstract]:The Party and government have always paid attention to the problem of "agriculture, countryside and farmers", the core of which is the problem of farmers' income. In recent years, the Party and the government clearly pointed out that we must firmly rely on rural finance to promote the development of rural economy, and resolutely and effectively improve the income level of farmers. China's rural financial market not only exists formal financial institutions, but also active a large number of informal lending. At the same time, after entering the new century, the components of farmers' income in our country have undergone a great change, and the characteristics of non-agriculture and diversification have become more and more obvious. Therefore, it is of great theoretical and practical significance to study the effect of rural finance on peasant household income and its internal mechanism under the new situation. This paper first summarizes the present situation of Chinese farmers' borrowing and borrowing, the present situation of farmers' income and the research theory and results of the relationship between farmers' loans and farmers' income, and summarizes the achievements and shortcomings of the present research. Secondly, referring to the traditional lending theory and combining the current situation of rural lending, we redefine the concepts of peasant household, peasant household loan and peasant household income. Then draw lessons from the previous theories and achievements, as the theoretical support of this article. In the part of empirical analysis, based on the micro-panel data published by the Institute of Beijing University, the fixed effect model is run, and the results of the model are explained and explained to a certain extent. Finally, the main conclusions of the operation model are summarized, and the corresponding policy recommendations are put forward according to the conclusions of the article. Compared with the existing literature, this paper has the following possible innovations: firstly, on the basis of eliminating the endogenous problem of farmers' borrowing, the effects of formal financial loans and informal financial loans on farmers' income are investigated separately. To explore the impact of the two channels of farmers' loans on the income level and income structure of their families. Secondly, different from Quxiaogang et al. (2013), this paper changes the research object from farmer productive expenditure to peasant household income, and adds the annual fictitious variable, the interaction item between the education of the head of household and the annual fictitious variable in the measurement model. We can investigate the time change trend of peasant household income and the return of head of household education separately. The results show that formal financial lending has a significant positive impact on the net income of peasant households, and this impact shows significant regional differences among different regions in China. Informal financial lending has a certain degree of negative impact on farmers' operating income, and informal financial lending in central China has relatively little hindrance to farmers' operating income; whether formal financial lending or informal financial lending, There was no significant effect on the wage income of family members. Therefore, on the one hand, credit cooperatives and other formal financial institutions should continue to increase the strength and amount of loans, on the other hand, more private financial institutions should be allowed to set up, at the same time, appropriate policies and regulations should be formulated in different regions. Compared with the base period, the effect of farmers' education level on their family net income and wage income has little change in time, or even weakened. In view of this, the government should strengthen the training of farmers to work, and transform the education of farmers into human capital, and then improve their related income.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F323.8

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