(李喜梅) 中国农村金融发展与经济增长关系的分形分析.pdfVIP

第四届中国金融学年会论文 国农村金融发展与经济增长关系的分形 评价 李喜梅 （广东金融学院，广东广州，510520 ） 作者简介 李喜梅（1972 －），湖南双峰人，广东金融学院讲师、博士，西南财经大学 中国金融研究中心博士后，研究方向：农村金融、扶贫金融 联系地址：510520 广州市天河区迎福路527 号 广东金融学院华南金融研究 所 电话：130020 －3 1672 148 E-MAIL：liximeihn@126.com 本文系广州市社科基金（06Q126 ）、广东金融学院校级课题（06XJ0203 ）的阶段 性成果。 - 1 - 第四届中国金融学年会论文 国农村金融发展与经济增长关系的分形评价 摘要】基于我国农村经济金融的非线性发展特征，论文运用分形方法定 量地考察了各类地区农村金融诸因素对农村经济增长的影响。实证结果表明，各 类农村地区的这种影响存在差异，但也存在共同的规律。一是农村贷款的增加能 够促进农民收入增长，但金融机构效率的提高对发达地区农村影响更大；二是与 实际利率相比，农民对名义利率较为敏感，而欠发达地区的农民还更敏感一些； 三是农村固定资产投资效率对农民人均纯收入影响不大，主要是由于投入过少造 成的。 关键字】农村金融、经济增长、分形 An Analysis of the Relationship between Rural Finance Development and Rural Economic Growth in terms of Fractal Evaluation Model Abstract ：Due to various state of rural economic and finance in areas with different economic developing stages, the paper makes an analysis of the relationship between rural finance development and rural economic growth in terms of fractal evaluation model. The result indicates the degree of rural financial factors effect on rural economic growth is different in the three types of areas. However, there are also some common rules. The first is the increase of rural loan can promote the farmer income growth. Yet the efficiency of financial institutions in developed countryside makes more effective on the income growth; the second is that the farmer is more sensitive to the nominal interest rate comparing with the real interest rate. Moreover, the farmers in undeveloped areas are more sensitive somewhat to the interest rate; the third is the efficiency of rural fixed asset investment is no significance to average income of the farmers bec