陕西农村经济增长视角的农村信贷产品创新研究

A Research on Rural Credit Products Innovation from the Angle of Rural Economic Growth in Shaanxi

运用1998—2009年陕西省农村信贷产品相关数据,就农村信贷产品对农村经济发展的贡献进行了实证分析,发现农村信贷产品和农村经济发展之间存在显著的正相关关系,农村信贷产品的发展是农村经济发展的原因之一。并针对当前农村信贷产品存在的问题和农户的需求,对陕西农村信贷产品创新进行了研究,其目的是在实现"三农"公平享受金融资源的基础上,促进陕西农村经济快速增长。

Based on the relevant data of rural credit products in Shaanxi province from 1998 to 2009,an empirical analysis is carried out about the achievement of rural credit products to the development of rural economy.It is found out that there is the notable positive correlation between rural credit products and rural economic development,and the development of rural credit products is one of causes about rural economic development.In view of problems on present rural credit products and demands of farmers,a research focuses on the innovation of rural credit products in Shaanxi,the purpose of which is to promote the rapid growth of rural economy in Shaanxi based on realizing the fair sharing of financial resources for agriculture,rural areas and farmers.