农村金融发展对农村居民消费影响的实证分析
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摘要
作为一个农业人口占绝对多数的国家,我国农村消费市场的发展对经济繁荣的贡献十分重要。目前我国农村地区消费水平逐年提高但基数较低,农村金融发展水平逐年深化但仍有瓶颈。根据二者相似的发展趋势,可以通过多元回归分析确立农村金融发展与农村居民消费的函数关系。农村金融发展可以通过增加居民收入、改善消费环境、建立保险保障来促进农村居民消费;然而,当前我国农村金融发展对农村居民消费却具有诸多抑制效应。因此,需要在加快农村互联网金融体系建设、改善农村金融机构经营环境、推动农村消费信贷产品创新、完善农村征信体系等方面采取有针对性的政策措施。
As a country with an absolute proportion of agricultural population,the contribution of China's rural consumer market to economic prosperity is very important. At present,the consumption level in rural areas in China is increasing year by year but with low base. The level of rural financial development is deepening year by year,but there are still bottlenecks. According to the similar development trend of the two,the functional relationship between rural financial development and rural residents' consumption can be established through multiple regression analysis. Rural financial development can promote rural residents' consumption by increasing residents' income,improving the consumption environment,and establishing insurance guarantees. However,China's rural financial development has many restraining effects on rural residents' consumption. Therefore,it is necessary to adopt targeted policy measures in accelerating the construction of rural internet financial system,improving rural financial institutions,promoting rural consumer credit product innovation,and perfecting rural credit information systems.
As a country with an absolute proportion of agricultural population,the contribution of China's rural consumer market to economic prosperity is very important. At present,the consumption level in rural areas in China is increasing year by year but with low base. The level of rural financial development is deepening year by year,but there are still bottlenecks. According to the similar development trend of the two,the functional relationship between rural financial development and rural residents' consumption can be established through multiple regression analysis. Rural financial development can promote rural residents' consumption by increasing residents' income,improving the consumption environment,and establishing insurance guarantees. However,China's rural financial development has many restraining effects on rural residents' consumption. Therefore,it is necessary to adopt targeted policy measures in accelerating the construction of rural internet financial system,improving rural financial institutions,promoting rural consumer credit product innovation,and perfecting rural credit information systems.
引文
[1]孟兆娟.农村金融发展对农民消费需求的影响研究[J].内蒙古农业大学学报,2017,(2):16-21.
[2]刘静.我国农村金融发展对居民消费的影响研究[D].长沙:湖南大学,2014.
[3]周翼璇.我国农村金融的发展对农村居民消费的影响研究[D].长沙:湖南大学,2014.
[4]寇忠政.农村金融发展对农村居民消费的影响分析[J].农业经济,2016,(7):296-297.
[5]齐红倩.我国农村金融发展对农村消费影响的非线性效应分析[J].数量经济研究,2016,(2):25-30.
[6]N. Gregory Manliw.宏观经济学[M].北京:中国人民大学出版社,2017:363-383.
[7]刘广明.农村消费市场开拓的金融支持探析[J].中央财经大学学报,2011,(6):35-40.
[8]胡长清.浅谈如何加强农村基础设施建设[J].大观周刊,2011,(18):207-207.
[9]李芳琴.农村金融发展对农村居民消费的影响研究[J].消费经济,2015,(4):25-29.
[10]王剑.影响储蓄存款波动的因素分析———以山东省淄博市为例[J].海南金融,2010,(12):12-15.
[11]胡瑞涛.政府管制对小麦价格变动影响的实证研究[D].昆明:云南财经大学,2012.
[12]肖忠意.农村人口特征与居民消费金融的资产配置研究[J].重庆理工大学学报:社会科学版,2016,(2):25-35.
[13]唐青生.农村金融学[M].北京:中国金融出版社,2014:264-273.
[14]管辉.农村信用体系建设对农户融资行为影响的博弈分析[J].征信,2011,(4):20-22.
[15]杨俊洪.建立农村信息档案,推进信用体系建设[J].金融科技时代,2012,(2):92-92.
[16]周才云.中国农村金融发展的困境、成因及其破解[J].技术经济与管理研究,2011,(4):115-118.
[17]高殿伟.欠发达地区农村基础设施建设亟待金融支持[J].黑龙江金融,2012,(10):86-87.
[18]何广文.促进农村消费升级的金融对策[J].中国金融,2011,(4):60-61.
(1)数据资料来源于财政部网站《黑龙江财政专员办:我国农业保险发展现状及思考》,2018-01-12(http://www.mof. gov. cn/was5/web/czb/wassearch. jsp)。
(2)数据资料来源于《中国农业保险保障水平研究报告》,2017年版。
(3)中国国家统计局官网-指标解释。
[2]刘静.我国农村金融发展对居民消费的影响研究[D].长沙:湖南大学,2014.
[3]周翼璇.我国农村金融的发展对农村居民消费的影响研究[D].长沙:湖南大学,2014.
[4]寇忠政.农村金融发展对农村居民消费的影响分析[J].农业经济,2016,(7):296-297.
[5]齐红倩.我国农村金融发展对农村消费影响的非线性效应分析[J].数量经济研究,2016,(2):25-30.
[6]N. Gregory Manliw.宏观经济学[M].北京:中国人民大学出版社,2017:363-383.
[7]刘广明.农村消费市场开拓的金融支持探析[J].中央财经大学学报,2011,(6):35-40.
[8]胡长清.浅谈如何加强农村基础设施建设[J].大观周刊,2011,(18):207-207.
[9]李芳琴.农村金融发展对农村居民消费的影响研究[J].消费经济,2015,(4):25-29.
[10]王剑.影响储蓄存款波动的因素分析———以山东省淄博市为例[J].海南金融,2010,(12):12-15.
[11]胡瑞涛.政府管制对小麦价格变动影响的实证研究[D].昆明:云南财经大学,2012.
[12]肖忠意.农村人口特征与居民消费金融的资产配置研究[J].重庆理工大学学报:社会科学版,2016,(2):25-35.
[13]唐青生.农村金融学[M].北京:中国金融出版社,2014:264-273.
[14]管辉.农村信用体系建设对农户融资行为影响的博弈分析[J].征信,2011,(4):20-22.
[15]杨俊洪.建立农村信息档案,推进信用体系建设[J].金融科技时代,2012,(2):92-92.
[16]周才云.中国农村金融发展的困境、成因及其破解[J].技术经济与管理研究,2011,(4):115-118.
[17]高殿伟.欠发达地区农村基础设施建设亟待金融支持[J].黑龙江金融,2012,(10):86-87.
[18]何广文.促进农村消费升级的金融对策[J].中国金融,2011,(4):60-61.
(1)数据资料来源于财政部网站《黑龙江财政专员办:我国农业保险发展现状及思考》,2018-01-12(http://www.mof. gov. cn/was5/web/czb/wassearch. jsp)。
(2)数据资料来源于《中国农业保险保障水平研究报告》,2017年版。
(3)中国国家统计局官网-指标解释。