福建省农村金融对农村消费水平的影响  

On the Impact of Rural Finance on Rural Consumption Level in Fujian Province

作　　者：陶静娴[1] Tao Jingxian(Department of Finance,Fuzhou College of Foreign Languages and Trade,Fuzhou 350202,China)

机构地区：[1]福州外语外贸学院金融系,福建福州350202

出　　处：《黑河学院学报》2019年第2期68-69,共2页Journal of Heihe University

基　　金：2017年度福建省中青年项目(社科类)"福建省农村金融对农村消费水平的影响"(JAS170684)

摘　　要：金融机构的社会价值,主要体现在社会资源与社会需求的整合过程中。但由于乡村金融的管理成本较高,因此我国商业银行对于乡村金融的重视程度普遍不足。因此福建省应当建立新型的担保模式,以降低金融机构的管理成本,同时从长期发展分析,福建省应当利用农村金融提升农村地区的产业结构,从而使农民获得更高的消费能力。本文将对农村金融对我省农村消费的短期与长期影响分别作出分析。The social value of financial institutions is mainly reflected in the integration process of social resources and social needs. However, due to the high management cost of rural finance, commercial banks in China generally pay less attention to rural finance. Therefore, Fujian Province should establish a new type of guarantee mode to reduce the management cost of financial institutions. At the same time, from the long-term development analysis, Fujian Province should use rural finance to enhance the industrial structure of rural areas, so as to enable farmers to obtain higher consumption capacity. This paper will analyze the short-term and long-term impact of Rural Finance on rural consumption in our province.

关 键 词：福建省 农村金融 农村消费 短期影响 长期影响 

分 类 号：F127[经济管理—世界经济] F830