甘肃省农户小额信贷对农村居民收入增长的影响研究

LZUFE-KMS > 金融学院

作者	张鑫荣
姓名汉语拼音	Zhang Xinrong
学号	2021000005102
培养单位	兰州财经大学
电话	18418188810
电子邮件	xrzhang0724@163.com
入学年份	2021-9
学位类别	专业硕士
培养级别	硕士研究生
一级学科名称	金融
学科代码	0251
授予学位	金融硕士
第一导师姓名	黄萍
第一导师姓名汉语拼音	Huang Ping
第一导师单位	兰州财经大学
第一导师职称	教授
题名	甘肃省农户小额信贷对农村居民收入增长的影响研究
英文题名	Research on the impact of peasant household micro-credit on the income growth of rural residents in Gansu Province
关键词	乡村振兴农户小额信贷农村居民收入
外文关键词	Rural revitalization ; Peasant household micro-credit ; Rural resident income
摘要	2024 年 2 月，党的十八大以来第 12 个指导“三农”工作的中央一号文件发布，为有效推进乡村全面振兴提供了明确的行动指南。在乡村振兴和农业现代化的大背景下，我国面临着促进农民持续增收、推动农村经济发展的迫切需求。小额信贷于 1998 年在国内正式推广，大量实践已经证明，作为一种灵活有效的金融工具，农户小额信贷在破解农民贷款难、支持农村产业发展方面具有重要作用。近年来，甘肃省在完善农村金融服务体系、创新小额信贷产品和服务方面取得了显著成效。特别是在相关政策的引导下，小额信贷业务覆盖面逐步扩大，为越来越多的农民提供了资金支持。然而，在当前复杂多变的经济社会环境下，如何进一步优化小额信贷政策、提高其促进农民增收的效果，仍是摆在甘肃省面前的一个重要课题。本文正是基于此来探讨甘肃省农户小额信贷对农村居民收入增长的影响。首先，文章从直接和间接两个方面分析了农户小额信贷对农民收入的影响机制，并对甘肃省农户小额信贷和农民收入的发展现状进行了分析。其次，为更全面地反映甘肃省农户小额信贷的发展水平，通过参考已有研究成果构建了相关评价体系，得到甘肃省农户小额信贷发展水平指数，在此基础上，选择其他六个指标作为控制变量，以甘肃省 14 个市州 2013-2022 年的数据为样本进行实证研究，主要研究结论如下：一是甘肃省农户小额信贷发展水平总体呈稳定的增长态势，且各地市之间存在差异性；二是甘肃省农户小额信贷对农村居民增收的促进作用总体显著，但对不同类别收入的影响效果有别；三是甘肃省农户小额信贷对农民收入增长的影响效果存在地区差异性。最后，根据研究结论提出对策建议：一是优化小额信贷地区分布，促进均衡发展；二是细化小额信贷服务，提升增收效果；三是加强欠发达地区信贷支持，助力农民增收。
英文摘要	In February 2024, the 12th Central Document No. 1 guiding the work of "agriculture, rural areas, and farmers" since the 18th National Congress of the Communist Party of China was issued, providing a clear action guide for effectively promoting comprehensive rural revitalization. Against the backdrop of rural revitalization and agricultural modernization, China faces an urgent need to promote sustainable income growth for farmers and drive rural economic development. Micro-credit, officially promoted in China in 1998, has been proven through extensive practice to be a flexible and effective financial tool that plays a crucial role in addressing farmers' difficulties in obtaining loans and supporting rural industrial development.In recent years, Gansu Province has achieved remarkable results in improving the rural financial service system and innovating micro-credit products and services. Especially under the guidance of relevant policies, the coverage of micro-credit business has gradually expanded, providing financial support to an increasing number of farmers. However, in the current complex and volatile economic and social environment, how to further optimize micro-credit policies and enhance their effectiveness in promoting farmers' income growth remains an important issue facing Gansu Province. This paper discusses the influence of rural household micro-credit on the income growth of rural residents in Gansu Province. Firstly, this paper analyzes the mechanism of the influence of farmer micro-credit on farmers 'income from both direct and indirect aspects, and analyzes the development status of farmer micro-credit and farmers' income in Gansu Province.next, In order to reflect the development level of micro-credit in Gansu Province, The relevant evaluation system by referring to the existing research results, The development level index of rural household micro-credit in Gansu Province, on this basis, The other six indicators were selected as the control variables, Using data from 14 cities and prefectures of Gansu Province from 2013-2022 as samples for the empirical study, The main research conclusions are as follows: first, the overall development level of rural household micro-credit in Gansu Province shows a stable growth trend, And there are differences between the cities; Second, the promotion effect of rural household micro-credit in Gansu Province on the increase of rural residents' income is generally significant, but the influence effect on different categories of income is different; Third, there are regional differences in the effect of rural household micro-credit on farmers' income growth in Gansu Province. Finally, according to the research conclusions, we propose countermeasures and suggestions: first, to optimize the regional distribution of microfinance to promote balanced development; second, to refine the service of microfinance to improve the effect of income increase; third, to strengthen credit support in underdeveloped areas to help farmers increase their income.
学位类型	硕士
答辩日期	2024-05-26
学位授予地点	甘肃省兰州市
语种	中文
论文总页数	78
参考文献总数	73
馆藏号	0005830
保密级别	公开
中图分类号	F83/643
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/36623
专题	金融学院
推荐引用方式 GB/T 7714	张鑫荣. 甘肃省农户小额信贷对农村居民收入增长的影响研究[D]. 甘肃省兰州市. 兰州财经大学,2024.

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