农村金融发展对农村居民消费影响的实证研究  

A Empirical Study on the Impact of the Rural Financial Development on Rural Resident Consumption in China

作　　者：赵洪丹 赵宣凯 陈丽爽 郑琛誉[3] 

机构地区：[1]吉林师范大学经济学院 [2]中央财经大学中国互联网经济研究院 [3]中国人民大学商学院

出　　处：《价格理论与实践》2017年第7期109-112,共4页Price:Theory & Practice

基　　金：教育部哲学社会科学重大课题攻关项目"中国图们江区域合作开发战略研究"(12JZD050);教育部人文社会科学项目"公债效应理论研究与国际实证检验"(16YJA790033);吉林省"十三五"智库规划基金项目"农业供给侧结构性改革的推进路径及政策体系研究"(2017JLSZKZB009);吉林省社会科学基金项目"吉林省农业供给侧结构性改革的金融支撑路径研究"(2017B44)

摘　　要：本文通过对农村贷款状况和农村居民消费状况的分析发现,农村贷款增长速度虽然较快,但是相对于农村经济对国民经济的贡献而言,其投入水平仍然比较低;城乡居民消费差距持续缩小;农村居民消费支出随着农村贷款增加而提高。进一步的实证分析发现,利率对农村居民消费的作用呈现倒"U"型特征,临界值约为2.5%,农村贷款对农村居民消费的弹性约为0.1。本文最后从优化农村金融结构、抑制农村资金外流、推进农村利率市场化和加快农村金融产品创新等四个方面提出了政策建议。Through the analysis of rural loan and the rural residents＇ consumption condi- tions, the paper found that although rural loan growth speed faster, but relative to the ru- ral economy＇s contribution to the national economy, that the investment level is still rela- tively low; Urban and rural residents＇ consumption continues to narrow gap; Rural residents＇ consumption expenditure as loans increases with the increase in the countryside. Since the eighteenth congress, rural credit and rural residents＇ consumption level is greatly ascend. Further empirical analysis found that the interest rate on the role of the rural residents＇ consumption appears inverted -U- type characteristic, the critical value is about 2.5%, rural loans to rural residents＇ consumption elasticity is about 0.1. Then, the paper put forward the policy suggestions from four respects, including： optimization of rural financial structure, inhibition of rural capital outflows, promoting rural marketization of interest rate and speed up rural financial product innovation and so on four aspects proposed policy recommendations.

关 键 词：农村居民消费 农村金融发展 农村贷款 利率水平 

分 类 号：F323.8[经济管理—产业经济]