金融发展对农民消费的影响分析(开题报告,论文9300字)
摘 要
改革开放以来我国居民消费水平显著提高，对促进经济持续、快速增长发挥着重要的作用。但是与发达国家相比较，我国居民消费仍然存在较大的问题：具体表现为城乡居民收入不平衡、消费水平差距大、消费环境不完善等。现阶段我国农村居民消费水平较低，需要进行提升。农村金融作为农村经济发展重要的资本因素，在推动农村经济发展方面己经发挥了重要作用，而金融制度的变革、金融变量的变化也会对农村居民的消费水平、消费结构产生积极的影响。因此在农村居民的消费力不足的背景下发展农村金融应当是促进农村消费发展的一条重要途径，而对此问题的理论探讨也就具有重要的现实意义。本文共分为五个部分。第一部分绪论介绍选题背景及研究意义。第二部分金融发展影响农民消费的原理。从增加农民收入、降低预防性储蓄动机、改善消费环境、挖掘消费潜力四个方面介绍金融发展如何影响农民消费。第三部分金融发展与农民消费现状分析。分别对我国金融发展现状，以及农民消费现状进行分析。第四部分实证分析，利用多元回归分析对我国金融发展与农民消费之间的关系进行分析。第五部分总结与建议。对本文研究结论进行总结，并提出发展农村金融、促进农民消费水平增长的建议。希望论文的研究能够对我国农民消费水平的增长有所促进。
【关键词】金融发展； 农民消费； 消费水平
Abstract
Since the reform and opening up, the consumption level of our residents has been significantly improved, which has played an important role in promoting sustained and rapid economic growth. However, compared with the developed countries, China's consumer consumption is still a big problem: the specific performance of urban and rural residents income imbalance, the level of consumption gap, the consumption environment is not perfect and so on. This shows that China's rural residents consumption level is low, need to be improved. Rural finance, as an important capital factor in the development of rural economy, has played an important role in promoting rural economic development. Changes in financial system and changes in financial variables have a positive impact on the consumption level and consumption structure of rural residents. Therefore, the development of rural finance in the context of insufficient consumption of rural residents should be an important way to promote the development of rural consumption, and the theoretical discussion of this problem also has important practical significance. This paper is divided into five parts. The first part introduces the background of the topic and the significance of the study. The second part of the financial development affects the principle of farmers' consumption. From the increase in farmers 'income, reduce the incentive to prevent savings, improve the consumption environment, tap the potential of consumption four aspects of how financial development affects farmers' consumption. The third part of the financial development and the analysis of farmers' consumption. Respectively, the status of China's financial development, as well as the analysis of the status of farmers' consumption. The fourth part of the empirical analysis, the use of multiple regression analysis of China's financial development and the relationship between the consumption of farmers to analyze. The fifth part summarizes and suggests. Summarize the conclusion of this paper, and put forward the proposal of developing rural finance and promoting the growth of peasants' consumption level.It is hoped that the research of the paper can promote the growth of farmers' consumption level in China.
【Key Words】Financial development; farmers' consumption; consumption level
目 录
第1章 绪论 1
第2章 基本概念及理论 2
2.1 基本概念 2
2.1.1金融发展 2
2.1.2居民消费 2
2.2金融发展对农民消费影响的原理 2
2.2.1通过增加收入提高居民消费能力 2
2.2.2降低预防性储蓄动机，促进居民消费 3
2.2.3改善消费环境，促进居民消费 3
2.2.4挖掘潜在购买力，促进居民消费 4
第3章 金融发展与农民消费现状分析 5
3.1农村金融发展现状分析 5
3.2农民消费发展现状分析 6
第4章 实证分析 8
4.1模型的设定与相关数据的收集 8
4.1.1模型的设定 8
4.1.2相关数据的收集 8
4.2模型建立及检验 9
第5章 结论与建议 11
5.1结论 11
5.2建议 11
5.2.1“明确定位”加大金融支持 11
5.2.2推出适合农村需求的信贷产品 11
参考文献 13
致 谢 14 |
