1、分类号： 单位代码： 10364 附件1-2：适用于专业学位研究生密 级： 学 号： 安徽农业大学学位论文安徽农村金融支持经济问题研究Research on Anhun Rural Financial and Its Support to Economy Development研究生： 第一指导教师姓名、职称指导教师： 工作单位指导教师姓名、职称合作指导教师： 申请学位类别： 农业推广硕士/兽医学硕士 按照导师的研究方向填写专业领域名称：（种植、养殖、农业机械化等）研究方向： 年 月独 创 性 声 明本人声明所呈交的论文是我个人在导师指导下进行的研究工作及取得的研究成果。尽我所知，除了文中特别
2、加以标注和致谢的地方外，论文中不包含其他人已经发表或撰写过的研究成果，也不包含为获得安徽农业大学或其它教育机构的学位或证书而使用过的材料。与我一同工作的同志对本研究所做的任何奉献均已在论文中作了明确的说明并表示了谢意。研究生签名： 时间： 年 月 日关于论文使用授权的说明(保密的学位论文在解密后应遵守此协议)研究生签名： 时间： 年 月 日第一导师签名： 时间： 年 月 日自2022年以来，我国政府连续八年中央一号文件以三农问题为主题，着力开展农村经济，这期间农村金融得到了较大的开展，对经济开展的奉献作用也逐渐得以显现。然而，农村金融市场随着市场经济的开展出现了一些问题，如大量银行从乡镇农村撤
3、离、大量农用资金外流到非农部门等，导致农村金融开展支持经济开展的效果并不明显。本文通过对安徽省农村金融开展的现状利用PEST-SWOT方法进行了分析后，选择1995-2023年数据，对安徽省农村金融支持经济开展进行了实证分析，应用安徽省GDP为经济增长测量指标，应用农村金融规模、结构、效率三个变量为衡量农村金融开展的指标，建立线性相关模型进行了实证研究，得出的结论如下：第一，安徽省农村金融对安徽省的经济开展的奉献作用还未显现出来，安徽省GDP的开展可以促进安徽省农村金融总量规模的正向开展。第二，安徽省GDP每增加一个单位可以促进安徽农村金融总量规模上涨个单位。同时也会促进省农村金融的效率提升个
4、单位。第三，安徽省农村金融的结构调整开展对GDP的奉献之间存在负的线性关系，但是不必然存在因果关系。对安徽省农村金融开展的问题进行分析发现目前安徽农村金融开展存在以下问题：安徽省农村金融结构体系存在严重问题;安徽省农村金融开展严重滞后于城市，存在着金融的二元结构；安徽省农村金融开展对经济开展的推动作用未能显现；安徽省农村金融效率提升不明显。安徽省农村金融开展的问题成因，本文利用金融开展理论、经济增长理论以及市场经济理论进行了分析，发现有以下方面：农村金融市场比较收益低导致农村金融结构调整缓慢；安徽省农村金融供应缺乏导致无法发挥其经济推动作用；城乡二元结构造成农村金融开展严重滞后于城市；安徽农村
5、金融市场竞争秩序不完善导致低效率。对安徽省农村金融支持经济开展的对策建议方面，本文从PEST入手进行了对策建议的提出：政治法律方面，应当完善正规金融部门和非正规金融部门的法律法规、加强安徽省农村金融根底设施建设、立法防止资金外流。经济市场方面，本文建议建立起正规金融机构与非正规金融配合开展、正规金融机构聚集度不断降低的金融组织体系。社会文化方面，本文建议以村委和乡镇等基层政府为引导，提高农户加强参与意识；增强信用社等金融机构的开展意识，培养效劳三农的企业文化等。在技术创新方面，本文建议加强金融创新，创造多种类、多类别的金融产品和效劳；引入先进风险管理手段来控制农村信贷风险；创新金融效劳的形式。
6、关键词：农村金融；经济开展；安徽AbstractSince 2022, our government for eight consecutive years on the Central Document No.1 focused on rural issues as the theme and focus on developing the rural economy, during which rural finance has been considerable development, the contribution to economic development role grad
7、ually became manifest. Rural financial markets, however, with the development of market economy, there have been some problems, such as large banks are evacuated from the villages and towns in rural areas, a large number of agricultural capital outflows to non-agricultural sector, leading to the dev
8、elopment of rural finance to support economic development is not obvious. The status of rural financial development in Anhui Province using the PEST-the SWOT analysis, select the 1995-2023 data, empirical analysis, application of Anhui Provinces GDP to measure economic growth on Anhuis rural financi
9、al support for economic development, application of rural financial size, structure, efficiency of three variables to measure the indicators of financial development in rural areas, a linear model with empirical research, the conclusions are as follows: First, Anhuis rural financial contribution to
10、economic development of Anhui Province role remains to be seen, the development of Anhuis GDP can promote the positive development of Anhui Province, the total rural financial scale. Second, Anhuis GDP for each additional unit can contribute to the rising Anhui total rural financial scale units . An
11、d it will also promote the efficiency of rural financial units. Third, the structural adjustment of Anhui Province, rural finance development there is a negative linear relationship between the contribution to GDP, but not necessarily a causal relationship.Analysis found that rural financial develop
12、ment in Anhui Province exists the following problems: Anhui rural financial structure system has serious problems; Anhui rural financial development lags far behind the city, there is the dual structure of the financial; Anhui Province the development of rural financial role in promoting economic de
13、velopment failed to appear; Anhui rural financial efficiency is not obvious. The cause of the problem of rural financial development in Anhui Province, using the theory of financial development, the theory of economic growth and market economic theory are analyzed, found in the following areas: rura
14、l financial market is relatively low income lead to the slow adjustment of the rural financial structure; Anhui Province, insufficient supply of rural financial cause cannot play its economic role in promoting; caused by urban-rural dual structure of rural financial development lags far behind the c
15、ity; the imperfections of Anhuis rural financial market competition order to lead to low efficiency.This paper gave the suggestions on financial support for economic development of Anhui Province using PEST analysis method: from the political and legal context, the government should improve the laws and regulations of the formal fina