贵州省农村金融发展对农村居民消费结构的影响探究

摘要随着国家乡村振兴战略政策的出台和消费扩大内需的推动，农村居民消费结构的转型升级成为一个新热点。尤其是对于经济相对欠发达的贵州来说，农村居民的消费结构逐渐从生存型消费向享受型消费转变。党的十八大以来，贵州省农村金融发展在国家的大力支持之下取得了长足进步，金融机构服务乡村振兴的效果显著，如金融机构不断增加、金融服务不断网络不断完善等。那么贵州省农村金融的发展对居民消费结构的影响是什么样的呢？因此，本文以农村金融发展为视角，探讨其对贵州省农村居民消费结构的影响，并以此提出一些建议来优化贵州省农村居民的消费结构。研究表明，农村金融发展在促进农村居民消费结构方面具有双重影响。一方面，农村金融发展可以激活农村消费市场，促进消费水平的提升。另一方面，由于存在某些问题，农村金融发展也可能抑制农村居民的消费意愿。据此，为了促进贵州省农村居民消费结构的转型升级，本文政府应该紧跟时政，加强农村金融发展，完善农村金融服务体系，鼓励金融机构为农村居民提供全方位、多层次的金融服务，共同促进消费结构的升级和优化关键词：农村：金融发展：居民消费结构：转型升级ABSTRACTThe modernization and restructuring ofrural residents'consumption structures has emergedas a new focal point with the adoption ofthe national rural revitalization strategy policy and theencouragement of consumption to increase domestic demand.The consumption pattern of ruralpopulations has increasingly changed from subsistence consumption to enjoyment consumption,especially for Guizhou,an economy that is still relatively underdeveloped.The state hasprovided strong support for the development of rural finance in Guizhou Province since the 18thCPC National Congress.The impact of financial institutions'services on rural revitalization hasbeen noteworthy,as evidenced by the growth in the number of financial institutions and theongoing enhancement of the financial service network.In order to investigate the influence ofrural financial development on the consumption patterns of rural inhabitants in GuizhouProvince,this article adopts a perspective of rural financial development.It then offersrecommendations for improving these consumption patterns.The study demonstrates that thepromotion ofrural inhabitants'purchasing patterns is aided by rural financial development in twoways.On the one hand,rural financial growth can raise the level of consumption and stimulatethe rural market for consumption.However,a number of issues with rural financial developmentmay also make people less likely to consume in rural areas.Accordingly,the government shouldstay up to date on current political developments,strengthen the development of rural finance,enhance the rural financial service system,and encourage financial institutions to offercomprehensive and multi-level financial services to rural residents in Guizhou Province.Thiswill help to jointly promote the upgrading and optimization of the consumption structure.Key words:rural area;Financial development;Residents'consumption structure;Transformationand upgradingI目录摘要…ABSTRACT目录..1第1章绪论…1.1研究背景和意义1.2研究方法和内容11.2.1研究方法。…11.2.2研究内容..2第2章文献综述32.1国外文献综述…32.2国内文献综述，…32.3文献述评…4第3章农村居民消费结构概述.53.1农村居民消费结构的基本概念…53.2影响贵州省农村居民消费结构的因素…53.3贵州省农村居民消费结构的特点和变化趋势63.3.1农村居民消费结构的特点…63.3.2农村居民消费结构的变化趋势.6第4章贵州省农村金融发展的现状与问题.…84.1贵州省农村金融发展的背景与现状.84.2贵州省农村金融发展存在的问题和挑战.84.2.1覆盖范围窄.…842.2金融服务和金融产品缺乏多样性和创新性.…84.2.3金融监管体系不完善…09第5章贵州省农村金融发展对农村居民消费结构的影响.105.1积极影响..105.2消极影响10第6章政策建议….126.1提升农村金融服务能力…126.2完善农村居民消费结构支持..12川6.3优化农村金融发展环境克0.3第7章结论14参考文献…15致谢…17IV