新疆农村信贷发展与棉农收入的关联及其对发展农村普惠金融的启示  

Correlation between Rural Credit Development and Cotton Farmers' Income and Its Enlightenment to Developing Rural Inclusive Finance in Xinjiang

作　　者：耿玉璧 焦学伟 

机构地区：[1]新疆农业大学经济与贸易学院,新疆乌鲁木齐830052

出　　处：《贵州农业科学》2016年第3期179-182,共4页Guizhou Agricultural Sciences

摘　　要：为促进新疆农村信贷与农村经济发展提供政策参考,利用1995—2014年新疆农村信贷发展与棉农收入的相关统计数据,运用灰色关联与层次分析法分析新疆农村信贷发展与棉农收入的关联,并探讨其对发展农村普惠金融的启示。结果表明:新疆农村信贷的发展与新疆棉农收入的变化具有显著关联。其中,农业贷款额与棉农收入的关联度最大,投资投向效率次之,再次是储蓄投资转化效率,农村资本形成效率与棉农收入的关联度最小。市场失灵、政府干预过度、金融服务的获得性不足是发展农村普惠金融需要重点解决的问题,应加大政府农村金融的财政与行政支持力度,加强政府自身及其对金融机构的监管,积极引导和支持金融机构创新金融产品和服务,完善农村信贷担保制度,努力构建多元化的农村金融服务供给主体。The correlation between rural credit development and cotton farmers＇ income was analyzed by grey correlation and AHP methods based on the related statistical data between rural credit development and cotton farmers＇ income during 1995~2014to discuss influence of the correlation on development of rural inclusive finance and to provide a reference for promoting rural credit and rural economical development in Xinjiang.Results：Rural credit development significantly related to change of cotton farmers＇ income.The correlation degree between agricultural loan amount and cotton farmers＇ income is the maximum,followed by the correlation between investment direction efficiency,the correlation between saving-investment conversion ratio and cotton farmers＇ income and the correlation between rural capital formation efficiency and cotton farmers＇ income.Market failure,excessive government intervention and insufficient financial services availability are the key problems in development of rural inclusive finance.The countermeasures to increase the financial and administrative support strength from government,reinforce government itself supervision,strengthen supervision of financial institution,actively guide and support innovation and services of financial products of financial institute,prefect the rural credit guarantee system and establish the supply main body of diversified rural financial services are proposed to promote rural credit and rural economical development in Xinjiang.

关 键 词：农村信贷 棉农收入 普惠金融 灰色关联分析 层次分析 新疆 

分 类 号：S-9[农业科学] F320.2[经济管理—产业经济]