【作者】 彭小辉；

【导师】 王选庆；

【作者基本信息】 广西大学 ， 区域经济学， 2008， 硕士

【摘要】 近年来,农村金融市场上的资金供求矛盾一直是学术界关注的焦点。现有农村金融体系不仅没能解决农村资金短缺、农户融资难,反而使农村稀缺要素资金大量流往城市,造成农村长期“贫血”,如何重构农村金融体系已成为党和国家农村经济工作的重中之重。本文首先从农户与农地金融制度关系理论研究入手,得出在世界工业化、城市化过程中,自给自足的农户生产可以转化为农业企业化经营,农户可以变成农业企业家,相反这一逆过程也成立,至于如何变化取决于一系列社会条件。从我国农户与农地金融制度关系问题的研究中,我们发现农户与农地金融制度关系的本质是农地权属关系转移,农户与农地金融制度关系的落脚点在于农地价值流转。其次,通过影子价格理论对农户与农地金融制度关系进行量化研究,并在广西农业生产力定量模型的基础上测算农地的影子价格,进而得到广西农地金融潜在需求与现实需求。在测算农地抵押贷款价值的基础上,构建了农户与农地金融机构联结模型,并对模型进行了敏感性分析。第三,将农户与农地金融机构联结模型应用于区域金融管理中,在实地调查广西农户经济资料的基础上,以农户融资为主线构建了农户与农地金融机构联结的计量经济学模型。最后,在总结全文和评价农户与农地金融机构联结模型的基础上,从法律、经济、政策等方面探讨了模型运行的前提条件,提出通过推行农地金融制度来缩小农地金融现实需求与潜在需求之间的差距,并充分的认识到农户作为农业生产的微观组织应成为农村金融市场的参与主体。更多还原

【Abstract】 In recent years, the contradiction between supply and demand of funds has been Concerned of academics in rural financial market. The existing rural financial system not only fails to solving the shortage of funds in rural areas, farmer financing difficulty, but the scarcity of rural elements of capital flow to the city, causing long-term rural "anemia", rural financial system reconstruction has become centre of the Party and country’s rural economic work.In this thesis ,first of all ,through basic theoretical of relationship between peasant and farmland financial institution research, drows agricultural production of self-sufficiency can be turned into agricultural enterprise management, peasant can be turned into agricultural intrepreneurs in the world of industrialization and urbanization process,contrary to reverse this process have also set up, how to change depending on a range of social conditions. The relationship between peasant and farmland financial institution aiso depends on the pattern of industrialization and urbanization in our Country. By the relationship research, I find that the nature of the relationship between peasant and farmland financial institution is the farmland right tranfer and that the tranfer of farmland value is the pivot of the relationship of peasant and farmland financial institution.Secondly, through the quantified research on the relationship between peasant and farmland financial institution with shadow price theory,basing on agriculture productivity quantify model, measuring farmland shadow price of GuangXi.Then,I calculate out distance of farmland finance lurking need and real need of Guangxi. By farmland shadow price,I structure simple and complicated binding model of peasant and farmland financial institution, and carry out sensitivity analysis on every main model variableThirdly, applying link model of peasant and farmland financial institutions for regional financial management. Basing on surveying peasant economy of Guangxi. Then, by focusing on peasant financing, I build up the econometrics model of peasant and farmland financial organization.Finally, based on suming up this thesis and estimating the binding model of peasant and farmland financial organization, discussing the precondition of model running from legal, economic, policy and other aspects, through building up farmland fhancial institution to narrowing distance of farmland finance lurking need and real need. At the same time, I understand peasant as microstructure of agricultural production which should become the main of participation of the rural financial market.更多还原