發(fā)布時間：2018-12-07 20:55

【摘要】：農(nóng)村金融作為農(nóng)村經(jīng)濟的核心,在農(nóng)村經(jīng)濟發(fā)展中肩負著歷史的重任。長久以來,湖南農(nóng)村金融服務存在著功能弱化,信貸資金供需矛盾突出等問題,嚴重制約著新農(nóng)村建設的順利推進。于此同時,農(nóng)村金融的進入門檻一直很高,農(nóng)村地區(qū)不論是機構(gòu)或是資金都長期處于出大于進的狀態(tài)。2006年中國銀監(jiān)會發(fā)布了《關(guān)于調(diào)整放寬農(nóng)村地區(qū)銀行業(yè)金融機構(gòu)準入政策,更好支持社會主義新農(nóng)村建設的若干意見》,降低了包括外資在內(nèi)的各類資本進入農(nóng)村金融市場的門檻,銀監(jiān)會首次提出了新型農(nóng)村金融機構(gòu)的概念。新型農(nóng)村金融機構(gòu)的產(chǎn)生在湖南取得了初步成效,以村鎮(zhèn)銀行為主。在實現(xiàn)盈利的同時,也對縣域經(jīng)濟的增長發(fā)揮著積極作用。國內(nèi)外大量研究也證實金融發(fā)展與經(jīng)濟增長之間存在著顯著的正相關(guān)關(guān)系,但是在我國縣域金融與經(jīng)濟發(fā)展程度還不一致.因此,要實現(xiàn)地區(qū)經(jīng)濟的增長,就要厘清地方金融與經(jīng)濟增長之間的內(nèi)在作用機理.在當前存量農(nóng)村金融一定情況下,研究增量農(nóng)村金融對經(jīng)濟的影響,從而在此基礎上有針對性地提出政策建議。本文以農(nóng)村金融理論和金融組織創(chuàng)新理論作為切入點,立足湖南農(nóng)村具體情況,通過湖南部分縣域經(jīng)濟和金融數(shù)據(jù),以金融密度、小額農(nóng)貸占比、貸款余額和不良貸款比例四個金融變量為投入變量,以地方生產(chǎn)總值和就業(yè)率為產(chǎn)出變量,采用DEA方法,實證研究新型農(nóng)村金融對地方經(jīng)濟增長的影響機理。
[Abstract]:As the core of rural economy, rural finance shoulders a historical responsibility in the development of rural economy. For a long time, the function of Hunan rural financial service has been weakened, and the contradiction between the supply and demand of credit funds has been prominent, which seriously restricts the smooth development of the new rural construction. At the same time, the entry threshold of rural finance has been very high. In rural areas, both institutions and funds have long been in a state of outgrowth. In 2006, the China Banking Regulatory Commission issued a policy on readjusting and relaxing access to banking financial institutions in rural areas. Some opinions on better support for the Construction of New Socialist Countryside the threshold for all kinds of capital including foreign capital to enter the rural financial market has been lowered. The CBRC has for the first time put forward the concept of a new type of rural financial institution. The emergence of new rural financial institutions in Hunan has achieved initial results, mainly rural banks. In the realization of profit, but also to the county economic growth plays a positive role. A large number of studies at home and abroad also confirm that there is a significant positive correlation between financial development and economic growth, but the degree of financial and economic development is not consistent in our country. Therefore, to achieve regional economic growth, it is necessary to clarify the internal mechanism between local finance and economic growth. On the basis of studying the effect of incremental rural finance on the economy under the certain condition of stock rural finance at present, some policy suggestions are put forward. This article takes the rural finance theory and the financial organization innovation theory as the breakthrough point, bases on the Hunan countryside concrete situation, through the Hunan partial county area economy and the financial data, takes the financial density, the small agricultural loan proportion, Four financial variables, the balance of loans and the ratio of non-performing loans, are input variables, and the local GDP and employment rate are taken as output variables. The DEA method is used to empirically study the influence mechanism of the new rural finance on the local economic growth.
【學位授予單位】：長沙理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F127;F832.35

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