本文關(guān)鍵詞： 農(nóng)村消費信貸 農(nóng)村居民 消費增長 誤差修正模型 灰色關(guān)聯(lián)度　出處：《湘潭大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：“三農(nóng)”問題的核心是解決農(nóng)民的問題，而農(nóng)民的問題主要體現(xiàn)在收入以及生活水平的提高。農(nóng)村居民消費的增長不僅可以直接地提高農(nóng)村居民的生活水平，還可以促進(jìn)農(nóng)村經(jīng)濟(jì)的增長，這又反過來提高了農(nóng)村居民的收入。而我國農(nóng)村居民消費水平低下又是不爭的事實，，這不僅表現(xiàn)在農(nóng)村居民消費水平發(fā)展緩慢，也體現(xiàn)在與我國同期城市居民消費水平的差距上。這在很大程度上限制了我國農(nóng)村地區(qū)經(jīng)濟(jì)的快速發(fā)展和農(nóng)村金融的深化改革。幾年來，我國相繼頒布了一攬子促進(jìn)農(nóng)村消費發(fā)展的辦法以及措施，目的就在于引導(dǎo)金融機構(gòu)加大對農(nóng)村居民消費信貸的支持力度，從而促進(jìn)農(nóng)村居民消費的提升。 湖南省作為中部地區(qū)的農(nóng)業(yè)大省，農(nóng)村居民人口眾多，用其研究農(nóng)村消費信貸對農(nóng)村居民消費的影響非常具有代表意義。首先，闡釋農(nóng)村消費信貸與農(nóng)村居民消費的一般理論基礎(chǔ)，并在此基礎(chǔ)上分析農(nóng)村消費信貸對農(nóng)村居民消費的影響機理。然后，從現(xiàn)實的角度探討湖南省農(nóng)村居民消費以及消費信貸的現(xiàn)狀，通過初步分析并聯(lián)系當(dāng)下湖南省消費信貸開展情況，總結(jié)出了湖南省農(nóng)村消費信貸影響農(nóng)村居民消費的具體表現(xiàn)。再利用長期均衡性分析和灰色關(guān)聯(lián)度等方法，進(jìn)而從實證角度得出湖南省農(nóng)村消費信貸對農(nóng)村居民消費增長的影響：目前，發(fā)展湖南省農(nóng)村消費信貸能夠從一定程度上提高農(nóng)村居民消費水平，解決當(dāng)前湖南省農(nóng)村有效需求不足、促進(jìn)農(nóng)村發(fā)展，并且從整體上拉動經(jīng)濟(jì)增長。但這種作用比收入對消費的影響要小，說明目前湖南省農(nóng)村地區(qū)的消費信貸市場不發(fā)達(dá)。研究出的結(jié)果可以為農(nóng)村消費信貸對農(nóng)村居民消費的影響提供實證方面的支持；也可以為改進(jìn)農(nóng)村金融服務(wù)體系、創(chuàng)新農(nóng)村金融產(chǎn)品和服務(wù)方式、完善農(nóng)村市場基礎(chǔ)設(shè)施建設(shè)、幫助農(nóng)村居民轉(zhuǎn)變消費觀念、優(yōu)化農(nóng)村消費信貸結(jié)構(gòu)提供政策制定的理論參考。
[Abstract]:The core of the "three rural" problem is to solve the problem of farmers, and the problems of farmers are mainly reflected in the improvement of income and living standard. The increase of rural residents' consumption can not only directly improve the living standards of rural residents. It can also promote the growth of rural economy, which in turn improves the income of rural residents. However, it is an indisputable fact that the consumption level of rural residents is low, which is not only reflected in the slow development of rural residents' consumption level. It is also reflected in the gap between the consumption level of urban residents and the corresponding period of our country, which to a great extent limits the rapid economic development in rural areas and the deepening reform of rural finance. China has promulgated a package of measures to promote the development of rural consumption, the purpose of which is to guide financial institutions to increase the support of rural consumer credit, thereby promoting rural consumption. Hunan Province, as a large agricultural province in the central region, has a large rural population. It is of great significance to use it to study the impact of rural consumer credit on rural consumption. This paper explains the general theoretical basis of rural consumer credit and rural residents' consumption, and then analyzes the influence mechanism of rural consumer credit on rural residents' consumption. From the point of view of reality, this paper discusses the current situation of consumption and consumption credit of rural residents in Hunan Province, and through the preliminary analysis and contact with the current situation of Hunan Province consumer credit development. The paper summarizes the concrete performance of Hunan province rural consumer credit affecting rural residents' consumption, and then uses the long-term equilibrium analysis and grey correlation degree methods. Then from the empirical point of view, the impact of rural consumer credit on rural consumption growth: at present, the development of rural consumer credit in Hunan Province can improve the level of rural consumption to a certain extent. To solve the current rural effective demand in Hunan Province, promote rural development, and promote economic growth as a whole, but this role is less than the impact of income on consumption. The results can provide empirical support for the impact of rural consumer credit on rural consumption. It can also improve the rural financial service system, innovate the rural financial products and services, improve the rural market infrastructure construction, and help rural residents change their consumption concept. Optimizing the structure of rural consumer credit provides a theoretical reference for policy formulation.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F323.8;F832.479

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