發(fā)布時(shí)間：2018-04-19 22:23

  本文選題：天津市 + 農(nóng)村金融　； 參考：《天津工業(yè)大學(xué)》2017年碩士論文

【摘要】：在經(jīng)濟(jì)發(fā)展"新常態(tài)"下,拉動(dòng)經(jīng)濟(jì)增長的"三架馬車"中投資和出口的動(dòng)力雙雙減弱,而消費(fèi)貢獻(xiàn)率大幅度躍升,充分發(fā)揮經(jīng)濟(jì)增長穩(wěn)定器的作用。我國農(nóng)村人口眾多,其消費(fèi)份額卻為數(shù)不多。在城市消費(fèi)趨近飽和的情況下,開拓農(nóng)村消費(fèi)市場(chǎng)刻不容緩,而金融發(fā)展在影響居民消費(fèi)方面扮演著重要角色。隨著京津冀一體化進(jìn)程加快,天津農(nóng)村居民消費(fèi)水平有了較大提升,消費(fèi)支出結(jié)構(gòu)也發(fā)生了相應(yīng)變化。從金融角度研究天津市農(nóng)村居民消費(fèi),對(duì)于激活農(nóng)村金融市場(chǎng),提高居民收入水平,拉動(dòng)農(nóng)村消費(fèi),促進(jìn)全市經(jīng)濟(jì)增長具有重要的現(xiàn)實(shí)意義。本文首先對(duì)國內(nèi)外學(xué)者對(duì)農(nóng)村金融與農(nóng)村消費(fèi)的相關(guān)研究進(jìn)行綜述,其次梳理回顧農(nóng)村金融理論及消費(fèi)理論,闡述農(nóng)村居民消費(fèi)對(duì)經(jīng)濟(jì)增長的貢獻(xiàn),進(jìn)而剖析農(nóng)村金融對(duì)居民消費(fèi)的影響路徑,認(rèn)為農(nóng)村金融可通過提高農(nóng)村收入水平、改變保守的消費(fèi)思想、改善消費(fèi)環(huán)境三種途徑來支持農(nóng)村居民消費(fèi)。在理論分析基礎(chǔ)上,立足于天津市農(nóng)村,從金融規(guī)模、金融效率和金融結(jié)構(gòu)三方面對(duì)其金融發(fā)展現(xiàn)狀進(jìn)行分析,從消費(fèi)總量、消費(fèi)水平和消費(fèi)結(jié)構(gòu)三方面對(duì)其居民消費(fèi)情況進(jìn)行剖析。在此基礎(chǔ)上,選取1984-2014年數(shù)據(jù)指標(biāo),建立VAR模型,從金融規(guī)模和金融效率兩方面實(shí)證探究天津農(nóng)村金融對(duì)居民消費(fèi)水平及消費(fèi)結(jié)構(gòu)的影響。現(xiàn)狀分析和實(shí)證結(jié)論綜合表明,天津農(nóng)村居民消費(fèi)熱情高漲,農(nóng)村消費(fèi)市場(chǎng)正在崛起且潛力巨大,而與此同時(shí),農(nóng)村金融發(fā)展水平卻有待提升,金融規(guī)模不斷擴(kuò)大但有一定滯后性,金融結(jié)構(gòu)內(nèi)存在支農(nóng)不足問題,金融效率低下而對(duì)消費(fèi)作用較為微弱。由此可見,目前天津市農(nóng)村金融發(fā)展水平并不能與攀升的消費(fèi)需求相匹配,對(duì)此本文從促進(jìn)農(nóng)村居民增收、發(fā)展消費(fèi)信貸、優(yōu)化信貸管理制度、改善消費(fèi)環(huán)境四個(gè)方面來提出政策建議。
[Abstract]:Under the "new normal" of economic development, the power of investment and export in the "three carriages" of economic growth has been weakened, and the contribution rate of consumption is greatly increased, and the role of economic growth stabilizer is fully played. China's rural population is large and its consumption share is not much. In the case of urban consumption reaching saturation, the rural consumption market is opened up. There is no delay in the field, and the financial development plays an important role in affecting the consumption of residents. With the acceleration of the integration process of Beijing, Tianjin and Hebei, the consumption level of rural residents in Tianjin has been greatly improved and the consumption expenditure structure has changed accordingly. From the financial point of view, the consumption of rural residents in the rural areas of Tianjin is studied, and the rural financial market will be activated to improve the population. The income level of the people, stimulating the rural consumption and promoting the economic growth of the city have important practical significance. Firstly, this article reviews the relevant research on rural finance and rural consumption by domestic and foreign scholars, and then reviews and reviews the rural financial theory and consumption theory, expounds the contribution of rural residents to the economic growth, and then analyzes the rural gold. On the basis of theoretical analysis, the rural finance can support rural residents' consumption by improving the rural income level, changing the conservative consumption thought and improving the consumption environment in three ways. Based on the theoretical analysis, it is based on the financial scale, financial efficiency and financial structure in the three aspects of the financial scale, financial efficiency and financial structure in Tianjin. The analysis is carried out from three aspects of total consumption, consumption level and consumption structure. On this basis, the 1984-2014 year data index is selected to establish VAR model, and the impact of Rural Finance on the consumption level and consumption structure of Tianjin is empirically explored from two aspects of financial scale and financial efficiency. The conclusion of the evidence shows that the consumption enthusiasm of rural residents in Tianjin is rising, the rural consumer market is rising and the potential is huge. At the same time, the level of rural financial development needs to be promoted, the financial scale is expanding but there is a certain lag. The financial structure is weak in the financial efficiency, and the effect of the financial efficiency is weak. It can be seen that the current level of rural financial development in Tianjin can not match the rising consumption demand. This paper proposes policy suggestions from four aspects: promoting rural residents' increasing income, developing consumer credit, optimizing credit management system and improving consumption environment.

【學(xué)位授予單位】：天津工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.35;F323.8

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 呂曄;;論費(fèi)雪《利息理論》[J];中外企業(yè)家;2015年20期

2 劉書鋼;;關(guān)于天津農(nóng)村金融改革的調(diào)查與思考[J];華北金融;2013年10期

3 沈素素;;金融支持農(nóng)村消費(fèi)問題探析[J];消費(fèi)經(jīng)濟(jì);2012年03期

4 屠俊明;;流動(dòng)性約束、政府消費(fèi)替代與中國居民消費(fèi)波動(dòng)[J];經(jīng)濟(jì)理論與經(jīng)濟(jì)管理;2012年02期

5 胡幫勇;張兵;;農(nóng)村金融深化對(duì)農(nóng)戶消費(fèi)需求影響的實(shí)證研究[J];云南財(cái)經(jīng)大學(xué)學(xué)報(bào);2011年06期

6 霍兵;;天津?yàn)I海新區(qū)的城市定位和空間發(fā)展戰(zhàn)略[J];時(shí)代建筑;2010年05期

7 焦瑾璞;;農(nóng)村金融理論發(fā)展的脈絡(luò)分析[J];金融縱橫;2008年01期

8 曹協(xié)和;;農(nóng)村金融理論研究進(jìn)展及評(píng)述[J];南方金融;2007年12期

9 萬廣華;張藕香;;中國農(nóng)戶糧食儲(chǔ)備行為的決定因素:價(jià)格很重要嗎?[J];中國農(nóng)村經(jīng)濟(jì);2007年05期

10 曹元芳;邊俊利;;關(guān)于金融業(yè)支持天津新農(nóng)村建設(shè)的思考[J];華北金融;2006年11期

，

本文編號(hào)：1775007