【作者】 张鹏；

【导师】 李平；

【作者基本信息】 辽宁大学 ， 比较经济体制学， 2017， 硕士

【摘要】 改革开放为我国的经济发展提供了机遇,使得我国的经济取得了长足的发展,然而农村经济和城市经济还是具有一定的差距,表现为城乡居民收入差距的扩大,因而如何增加农民收入是当前经济发展需要考虑的重要问题,也是“三农”问题的重中之重。我国二元经济结构的社会发展背景使得农村经济和城市经济相比起步较晚,带来的结果不仅是农村经济的发展缓慢,也使得城乡在各方面都产生了较大的差距,尤其比较突出的是农民的收入水平和城市居民的收入相比比较低下,农民的收入水平急需得到提高。通过不断完善农村金融的发展,为增加农民的收入提供一定的契机。目前我国的农村金融发展自身还有一些问题,农村金融发展体制的不健全又反过来对农民的收入产生影响,通过分析具体的农村金融发展指标对农民收入产生的影响可以提出更具有针对性的措施。我国之前进行的金融体制改革在一定程度上对农村金融发展有所改善,但是其发展仍然滞后于城市并有一些的不足之处。这些都阻碍着我国农村经济的进一步发展以及城乡二元结构的改变。因此,需要进一步深化农村金融体制改革,缩小和城市金融的发展差距,为农村的金融发展提供良好的基础,达到增加农民收入的目标。文章首先阐述了一些和金融发展以及农民收入相关的经济理论,分别对我国农村金融的发展现状以及农民收入的现状进行分析,发现我国的农民收入水平受到农村金融发展的规模、农村金融发展的效率以及农村金融发展的结构等因素的影响,还面临着农村金融发展机构体系不健全、农村金融发展环境恶化以及农村金融服务有待提高、农村的非正规金融发展比较活跃等情况。接着通过进行实证分析发现在其他条件不变的情况下,农民收入的增长和农村的金融发展水平有很大的关系,并且在长期和短期两种情况下,农村金融发展的相关指标对农民收入的增长还有很大的不同。接下来分析在中部地区不同的省份农村金融发展水平和农民收入增长的关系,最终得出由于中部地区农村经济相对落后,农村金融的发展规模还比较小,对农民收入的增长具有积极的影响。针对上述结论,提出了以下相关的建议:第一,采取相关措施抑制农村资金外流;第二,调整农村金融发展的结构;第三,发挥农村正规金融的主导作用,完善农村非正规金融;第四,坚持走市场化的道路;第五,不断创新农村金融服务的发展方式。更多还原

【Abstract】 Reform and opening up for China’s economic development provides an opportunity to make China’s economy has made considerable progress,but the rural economy and urban economy is still a certain gap,the performance of the income gap between urban and rural residents to expand,and thus how to increase the income of farmers is the current economy Development needs to consider the important issues,but also the "three rural" problem of the top priority.China’s dual economic institutions of social development background makes the rural economy and urban economy compared to start late,the result is not only the slow development of rural economy,but also makes urban and rural areas have produced a large gap in all aspects,especially more prominent The income level of the peasants is relatively low compared with the income of the urban residents,and the income level of the peasants is urgently needed to be improved.Through the continuous improvement of rural financial development,in order to increase the income of farmers to provide a certain opportunity.At present,China’s rural financial development itself has some problems,the rural financial development system is not perfect and in turn has an impact on the income of farmers,by analyzing the specific rural financial development indicators on the impact of farmers’ income can be more targeted Measures.China’s previous financial system reform to a certain extent,the improvement of rural financial development,but its development is still lagging behind the city and some shortcomings.Which are hindering the further development of China’s rural economy and urban and rural dual structure changes.Therefore,the need to further deepen the rural financial system reform,narrowing and the gap between urban finance development for rural financial development to provide a good foundation to achieve the goal of increasing farmers’ income.The article first elaborates some economic theories related to financial development and farmer’s income.It analyzes the present situation of rural finance and the present situation of farmers’ income respectively.It is found that the income level of rural farmers in China is affected by the scale of rural financial development and the efficiency of rural financial development As well as the structure of rural financial development and other factors,but also faced with the rural financial development agency system is notperfect,the deterioration of rural financial development environment and rural financial services to be improved,rural informal financial development is more active and so on.Then,through the empirical analysis,it is found that the growth of farmer’s income has a great relationship with the level of financial development in rural areas under the same conditions.In the long and short term,the relevant indicators of rural financial development The growth is still very different.Then the paper analyzes the relationship between the rural financial development level and the peasants ’income growth in different provinces in the central region.It is concluded that the rural economy is relatively backward and the scale of rural finance is relatively small,which has a positive impact on the growth of farmers’ income.According to the above conclusions,the following related suggestions are put forward: First,take relevant measures to curb the outflow of rural capital;Second,adjust the institutions of rural financial development;Third,play the leading role of rural formal finance,improve rural informal finance;Fourth,adhere to the market-oriented road;Fifth,continue to innovate the development of rural financial services.更多还原