贵州农村经济论文：贵州省农村金融抑制及改进措施研究

1、贵州农村经济论文：贵州省农村金融抑制及改进措施研究【中文摘要】农村金融是农村经济的核心,是推动农村经济发展的关键因素。改革开放以来,贵州省农村经济取得了较快的发展,农民收入有了明显的提高,农村金融体系得到了有效的改善。但是目前贵州农村金融抑制现象依然存在,在一定程度上制约着农村经济的发展。本文综述了关于农村金融抑制的国内外现状研究,并以金融抑制论、金融深化论、金融约束论以及农村金融理论为理论基础,首先从农村正规金融和非正规金融两个方面阐述了贵州农村金融体系的现状,初步发现贵州农村存在金融抑制。接着运用戈德史密斯的金融相关比率指标通过与贵州省金融发展、全国发展水平进行比较,分析了贵州农村金融发展

2、水平,发现贵州农村金融发展落后贵州金融发展,2004年开始逐步缩小与全国的平均水平的差距,到2009年甚至超过了全国平均水平。其次,采用1996年2009年的农村金融相关比率和信贷比对贵州农村经济与农村金融之间的关系进行了实证分析,通过格兰杰因果关系检验发现,农村金融发展规模的扩大和贷款数量的增加都能够促进农村经济的发展,对检验结果分析发现贵州农村确实存在金融抑制。然后,针对实证分析的结果和贵州实际情况,对引起贵州农村金融抑制的原因进行了探究,发现引发农村金融抑制的根源在于农村正规金融大规模的撤并县及以下金融服务网点,造成农村金融市场缺乏有效的竞争。农业银行、农业发展银行、农村信用合作社、邮政

3、储蓄银行等农村正规金融机构又由于各自当前存在的问题,未有充分有效的支持三农,造成农村金融主体供给不足;非正规金融缺乏有效的监督管理,加上内部组织制度不规范,经营风险系数高、市场环境混乱等因素,在某种程度上影响着国家有关政策的实施,未能健康的促进农村经济发展;从当前农村金融市场来看,农村金融机构提供的金融产品仍以传统的存款、贷款、汇款为主,真正满足农村经济市场化、信息化、多样化的金融产品少之又少,金融市场服务缺乏创新;贵州省的农业基本上还是处于“靠天吃饭”的一种局面,农业面临着巨大的自然风险和市场风险,虽然贵州已经开展了政策性农业保险的试点,但是由于由于农业保险赔付率高,商业性保险机构不愿涉足农

4、业保险业务,导致了农业保险发展滞后;我国农村法制环境的建设刚起步,法律法规还不够健全,加上有些农户和企业缺乏诚信意识,逃费债金融案件时有发生,影响着农村金融生态环境的建设。最后,按照帕特里克所提出的消除金融抑制的两种路径,贵州应该选择供给领先型的模式。对于改进贵州农村金融抑制的现状政策建议,本文认为应该深化农村金融组织体系,督促正规金融机构改进当前所存在的不足,发挥各自的优势,加大金融创新力度;政府加强对民间金融的指导和规范,放宽金融农村金融市场的准入门槛,鼓励社会各类资本建立新型农村金融机构;大力发展农业保险和资本市场,降低农业生产的风险;优化农村金融生态环境,加快农村信用体系建设,同时加强

5、诚信教育和宣传、加大对逃费债行为的打击力度,营造出良好的金融环境;完善农村担保体系,改进当前由于农村担保品缺乏导致的贷款难问题;加大各级财政对农村金融发展的政策支持,鼓励其他各金融机构加大对“三农”的信贷投放力度;加速农村利率市场化进程,减少政府对利率的干预,有效提高资本的投资效率和资源配置,促进社会经济的发展。【英文摘要】Rural finance is the core of the rural economy, which is the key factor to promote rural economy development. Since our country has refor

6、med and opened, rural economy in Guizhou Province has achieved rapidly development, income of farmers has significantly improved and rural financial system has been effectively improved. But now the phenomenon of financial repression in Guizhou rural still exists, to a certain extent, which restrict

7、s the development of rural economyThis paper reviews the financial repression research at home and abroad, and based on the theory of financial repression, financial deepening and financial restraint, firstly the paper analyze the status of the rural financial system in Guizhou from the rural formal

8、 finance and rural informal finance,and found that rural financial repression exists in Guizhou. then using the financial ratios compared with financial development with the Guizhou Province and the national development level analyzed the level of financial development in Guizhou rural areas, the re

9、sults are that Guizhou rural financial development has lagged behind of financial development in Guizhou, and Beginning in 2004, the gap with the national average level is gradually narrowing, even more than the national average level in 2009.Secondly, followed by the relevant ratio of rural finance

10、 and credit ratio in 1996 -2009, the paper empirically analyzes the rural economy and rural financial relationship. The Granger causality test showed that the expansion of rural financial development and the addition in the number of loans are able to promote rural economic development, and found th

11、at financial repression really exists in GuizhouThen, based on the results of the empirical analysis and the actual situation in Guizhou, researching the causes of the financial repression in Guizhou found that the root causes of rural financial repression are that large-scale rural formal financial

12、 merging County and the following financial services branch, resulting in rural financial market lack of effective competition , because of the current problems of The Agricultural Bank, the Agricultural Development Bank, rural credit cooperatives, postal savings Bank and other formal financial inst

13、itutions in rural areas is not the full and effective supporting to agriculture, resulting in insufficient supply of rural financial body; non-formal financial is lack of effective supervision Management, coupled with the internal organization system is not standardized, business risk is high, marke

14、t environment is confused, to some extent, which affects the implementation of relevant state policies and not promotes the rural economic healthy development; from the current rural financial market, Rural financial institutions to provide financial products are still the traditional deposits, loan

15、s, remittance-based, real needs of rural market economy, information technology and diversified financial products are very few, the financial service is lack of innovation in financial markets; agricultural of Guizhou Province is still in a “dependent on the weather “ situation, agriculture faces e

16、normous natural risks and market risks, although Guizhou has launched a pilot agricultural policy insurance, but because of the high rate of agricultural insurance claiming, commercial insurance institutions would not like to get involved in agricultural insurance, agricultural insurance development

17、 lag behind ; rural legal environment construction is just beginning, laws and regulations are still inadequate, some farmers and enterprises are lack of the awareness of integrity, financial debt cases sometimes occurred, which affect the rural financial ecological environment construction.Finally,

18、 according to Patricks financial repression solution paths, Guizhou should choose supply-leading. As for the policy proposals of improving financial repression, the paper thinks that should deepen rural financial system, urging the formal financial institutions to improve the current weaknesses, pla

19、y their strengths and increase financial innovation; strengthen guidance and norms on private finance, relax rural finance access threshold for financial markets and encourage various types of capital to establish a new rural financial institutions; develop agricultural insurance and capital markets

20、 to reduce the risk of agricultural production; optimize the rural financial ecological environment, speeding up rural credit system ,strengthening the integrity of education and publicity and increasing acts of evasion crackdown on debt to create a sound financial environment; innovate guarantee sy

21、stem in rural areas to improve the current lack of collateral as a result of rural loans hard problem; increase policy to support rural finance development and encourage other financial institutions to increase the credit loans; accelerate the process of market of interest rates in rural areas and r

22、educe government intervention in the interest rate to effectively improve the efficiency of capital investment and resource allocation and promote social and economic development.【备注】索购全文在线加好友：1.3.9.9.3.8848 同时提供论文写作一对一指导和论文发表委托服务【关键词】贵州农村经济 农村金融抑制 实证分析 改进措施【英文关键词】Guizhou Rural economy Rural financi

23、al repression Empirical analysis Improved measures【目录】贵州省农村金融抑制及改进措施研究摘要5-7Abstract7-81. 绪论11-161.1 研究背景111.2 国内外文献综述11-141.2.1 国外研究综述11-131.2.2 国内研究综述13-141.3 研究目的及意义141.4 本文的主要内容14-151.5 论文的研究方法15-162. 农村金融抑制的相关理论16-212.1 金融抑制论和金融深化论16-182.1.1 金融抑制论162.1.2 金融深化论16-172.1.3 金融约束论17-182.2 农村金融理论综述18-212.2.1 农业信贷补贴论182.2.2 农村金融市场论18-192.2.3 不完全竞争市场理论19-213. 贵州农