农村民间金融对农村经济的作用:基于农户问卷调查  

Promotion Effect of Rural Non-governmental Finance on Local Society and Economy Based on a Questionnaire to Peasant Households

作　　者：宁德斌[1] 王琼[2] 

机构地区：[1]湖南中医药大学,长沙410208 [2]中南大学商学院,长沙410083

出　　处：《科学决策》2010年第12期19-24,52,共7页Scientific Decision Making

基　　金：湖南省教育厅优秀青年基金项目"湖南农村民间金融研究"(编号:07B057)资助;湖南省青年骨干教师培养计划项目(批准号:湘教通[2008]284号)资助

摘　　要：在文献分析和实地调查的基础上,从储蓄率和储蓄向投资转化系数、农民收入结构、农户家庭收入、农户家庭生活以及对农村的社会关系影响五个方面评价农村民间金融的效果,结果表明,农村民间金融通过增加农业生产要素投入等方式在农业产业结构调整、农户的发展和新农村建设等方面都发挥了积极的作用,因此,通过积极引导和有效监管,从而创新农村金融服务体系,是农村民间金融更好地服务农村社会经济发展的根本路径。An assessment from rate of saving and coefficient of saving transforming into investment,structure of farmer' income,household income,household life,compact of rural social relationship based on both of literature analysis and field investigationshowed that rural non-governmental finance(RNGF)with inevitability played a positive role on structure adjustment of agricultural industry,farmer's improvement and the building of the new countryside by increment of production factors and other paths,so a fundamental way is system innovation of RNGF via actively guide and effective supervision for development of social economy in countryside better.

关 键 词：农村民间金融 农村经济 农户 问卷调查 Based 农业产业结构调整 农村社会经济发展 农村金融服务体系 生产要素投入 农民收入结构 新农村建设 转化系数 有效监管 文献分析 实地调查 家庭收入 家庭生活 关系影响 储蓄率 投资 

分 类 号：F124[经济管理—世界经济]