發(fā)布時(shí)間：2018-05-23 22:46

  本文選題：農(nóng)業(yè)貸款 + 農(nóng)民增收�。� 參考：《西北農(nóng)林科技大學(xué)》2012年碩士論文

【摘要】：隨著新農(nóng)村建設(shè)和農(nóng)業(yè)現(xiàn)代化的發(fā)展，陜西省農(nóng)民收入呈現(xiàn)不斷增長的趨勢，但與全國的差距卻越來越大，盡管目前國家的一些惠農(nóng)政策對(duì)農(nóng)業(yè)發(fā)展有重要作用，但農(nóng)民增收問題仍是關(guān)鍵，而陜西新農(nóng)村建設(shè)中凸顯出來的各種問題最直接的反映是資金投入不足，農(nóng)民貸款難問題嚴(yán)重制約了陜西農(nóng)民收入的增長。國內(nèi)大部分學(xué)者是從農(nóng)村金融角度分析與農(nóng)村經(jīng)濟(jì)發(fā)展的關(guān)系，而真正具體到陜西農(nóng)業(yè)貸款與農(nóng)民收入之間數(shù)量化的研究很少�；�于這一現(xiàn)象，本文將經(jīng)濟(jì)增長的理論運(yùn)用到農(nóng)民收入增長中，運(yùn)用具體數(shù)據(jù)利用回歸分析方法研究農(nóng)業(yè)貸款與農(nóng)民增收的關(guān)系，，并深入分析農(nóng)業(yè)貸款促進(jìn)農(nóng)民增收的貢獻(xiàn)，以及如何有效地促進(jìn)農(nóng)民增收，具有一定的理論與實(shí)踐意義。 本文從研究背景出發(fā)，介紹了本文的研究目的和意義，提出了具體的研究思路和方法。首先分析了陜西農(nóng)業(yè)貸款和農(nóng)民人均純收入的發(fā)展變化和現(xiàn)狀，提出陜西農(nóng)業(yè)貸款發(fā)展過程中存在的主要問題；在此基礎(chǔ)上，搜集了1991年至2010年的有關(guān)數(shù)據(jù)，利用線性回歸分析方法對(duì)陜西農(nóng)業(yè)貸款與農(nóng)民收入增長的關(guān)系進(jìn)行研究，實(shí)證分析了農(nóng)業(yè)貸款與農(nóng)民增收的相關(guān)關(guān)系，農(nóng)業(yè)貸款支持農(nóng)民增收的貢獻(xiàn)率，以及農(nóng)民增收與其他影響因素的關(guān)系。分析結(jié)果顯示，農(nóng)村商品零售價(jià)格、農(nóng)業(yè)貸款和農(nóng)村勞動(dòng)力就業(yè)結(jié)構(gòu)是農(nóng)民收入增長的格蘭杰原因，其中，農(nóng)業(yè)貸款與農(nóng)民收入間的線性關(guān)系非常顯著，但農(nóng)業(yè)貸款支持農(nóng)民增收的貢獻(xiàn)率一直較低。農(nóng)民受教育水平與農(nóng)民收入之間互為格蘭杰因果原因。最后，本文從陜西農(nóng)業(yè)貸款的投放力度、投放結(jié)構(gòu)、資金使用效率等方面，提出促進(jìn)農(nóng)民增收的對(duì)策和建議。本文的可能創(chuàng)新之處是分析出農(nóng)業(yè)貸款促進(jìn)農(nóng)民增收的貢獻(xiàn)程度、對(duì)農(nóng)民增收的貢獻(xiàn)作用的階段化特征以及在農(nóng)業(yè)貸款中如何協(xié)調(diào)處理政府、資金供給方、資金需求方之間的關(guān)系。
[Abstract]:With the development of new rural construction and agricultural modernization, the income of farmers in Shaanxi Province is increasing, but the gap between Shaanxi Province and the whole country is growing, although some favorable agricultural policies are playing an important role in the development of agriculture. However, the problem of increasing farmers' income is still the key, and the most direct reflection of all kinds of problems in the construction of new rural areas in Shaanxi is the shortage of capital investment, and the difficulty of farmers' loans seriously restricts the growth of farmers' income in Shaanxi. Most domestic scholars analyze the relationship between rural finance and rural economic development from the point of view of rural finance, but the real quantitative research on the relationship between agricultural loans and farmers' income in Shaanxi Province is rare. Based on this phenomenon, this paper applies the theory of economic growth to the growth of farmers' income, studies the relationship between agricultural loans and farmers' income by using the method of regression analysis, and deeply analyzes the contribution of agricultural loans to the increase of farmers' income. And how to effectively promote the increase of farmers' income, has certain theoretical and practical significance. Based on the research background, this paper introduces the purpose and significance of the research, and puts forward the specific research ideas and methods. Firstly, the paper analyzes the development, changes and present situation of agricultural loans and per capita net income of farmers in Shaanxi, and points out the main problems in the development of agricultural loans in Shaanxi. On this basis, the relevant data from 1991 to 2010 are collected. The relationship between agricultural loans and farmers' income growth in Shaanxi Province is studied by using linear regression analysis, and the correlation between agricultural loans and farmers' income is analyzed empirically, and the contribution rate of agricultural loans to farmers' income increase is analyzed. And the relationship between farmers' income increase and other influencing factors. The results show that the rural commodity retail prices, agricultural loans and rural labor employment structure are the Granger reasons for the increase of farmers' income, among which, the linear relationship between agricultural loans and farmers' income is very significant. However, agricultural loans to support farmers to increase income has been low contribution rate. There is a Granger causality between the farmer's education level and the farmer's income. Finally, this paper puts forward the countermeasures and suggestions to increase the farmers' income from the aspects of the intensity, the structure of the agricultural loans and the efficiency of the use of funds in Shaanxi province. The possible innovation of this paper is to analyze the contribution degree of agricultural loan to increase farmers' income, the stage characteristics of contribution to farmers' income increase, and how to deal with the government and fund supply side in agricultural loan. The relationship between the demand side of capital.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F327;F832.4;F224

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本文編號(hào)：1926679