河南省农村金融发展与农村经济增长之间的关系研究

河南省农村金融发展与农村经济增长之间的关系研究【摘要】从正式改革开放之后，我国经济发展形势相对较好，但从城市金融与经济的发展状况来看，农村地区中的一些发展是比较落后的。不过，农村经济本身就是国民经济体系中的一个核心构成部分，这在助长国民经济发展方面起到了关键作用。要想帮助农村地区中的所有行业，尤其是金融行业，全都实现进一步发展就必须要创建良好的经济环境，所以这可以看出，农村地区的金融发展显然离不开经济发展。此次针对农村地区金融发展与其经济发展之间存在的关系做进一步分析，为了可以更好的帮助农村地区经济进一步发展。从宏观金融的角度，本文在此以河南省为例，建立了当地的财务绩效指标制度，讨论地方财政援助与地方经济增长之间的关系。基于研究得到的结果，地方财政效率可分为储蓄动员效率，储蓄转换效率和投资效率。在过去几年时间里，因为投资效率总是忽高忽低，该省财政绩效也发生了一定程度上的变化。河南省农村的金融效率对农村经济增长具有积极影响，在这当中，投资效率对当地经济增长影响最大。储蓄动员效率以及储蓄和投资的转换率是分配当地财政资源的不足之处，为了在关注金融资源的同时促进地方经济增长，还需要提高储蓄动员效率和储蓄到投资的转化率。[Abstract After the formal reform and opening up,my country's economicdevelopment situation is relatively good,but from the perspective of urbanfinancial and economic development,some development in rural areas is relativelybackward.However,the rural economy itself is a core component of the nationaleconomic system,which plays a key role in promoting the development of the nationaleconomy.In order to help all industries in rural areas,especially the financialindustry,to achieve further development,it is necessary to create a good economicenvironment,so it can be seen that financial development in rural areas is obviouslyinseparable from economic development.This time,we will further analyze therelationship between financial development and economic development in rural areas,in order to better help rural areas to further develop their economy.From the perspective of macro-finance,this paper takes Henan Province as anexample to establish a local financial performance indicator system to discuss therelationship between local financial aid and local economic growth.Based on theresults obtained from the study,local fiscal efficiency can be divided into savingsmobilization efficiency,savings conversion efficiency and investment efficiency.In the past few years,the province's fiscal performance has also changed to a certainextent because the investment efficiency has always fluctuated.Financialefficiency in rural areas of Henan Province has a positive impact on rural economicgrowth,among which investment efficiency has the greatest impact on local economicgrowth.The efficiency of savings mobilization and the conversion rate of savingsand investment are the deficiencies in the allocation of local financial resources.In order to promote local economic growth while paying attention to financialresources,it is also necessary to improve the efficiency of savings mobilizationand the conversion rate of savings to investment.【关键词】金融效率：因子分析：农村经济：农村金融目录一、前言....二、农村金融发展和农村经济增长的关系分析……1(一)农业经济增长和农村金融发展关系...·11.从静态的角度看农业经济增长和农村金融发展关系....·12.从动态角度看农业经济增长和农村金融发展关系..·2(二)农村金融发展对经济增长的作用分析21.农村金融服务为农村经济建设提供资金保障...........32.农村金融服务在农村建设中有着资金效率高的优势..·........33.农村金融服务对农村建设发挥着催化剂、助推剂和粘合剂的作用...·44.农村金融是调节新农村建设的重要杠杆.·4三、实证分析.............5(一)农村金融效率评价指标体系构建......…51、确定评价方法.…52、基于因子分析法的评价指标体系构建................5(二)农村金融支持与农村经济增长81、回归模型建立82、相关分析及模型系数确定....93、模型结果分析9四、结论与政策建议.10(一)结论10(二)建议....10[参考文献]..12一、前言在我国农业的发展过程中，地位一直都名列前茅，并且，农业的发展也是整个国家和社会所非常注意的一个问题，并且相对于整个金融体系方面来讲，农村的金融