我国金融排斥的城乡二元性研究

发布时间：2018-01-30 23:00

本文关键词： 金融排斥二元性城乡协调发展复杂系统　出处：《中国工业经济》2011年02期 　论文类型：期刊论文

【摘要】：针对金融排斥的城乡二元性展开分析,从城乡互动耦合的新角度剖析排斥的空间差异与诱致要素。在构建城乡金融排斥二元性指数的基础上,利用模糊曲线法证实各诱致要素的复合因果关系及贡献弹性差别。研究结果表明,技术、收入、教育等各要素对城、乡金融系统的作用渠道及影响强度不同,因此,其金融包容措施应各有侧重;城乡金融地域系统存在空间溢出效应,二者互补而非互斥,互相关联而非互相割裂,二元性的削弱应充分发挥城市的扩散效应,并推进农村金融的加速度发展;金融排斥存在积极和消极两个方面,政府作为自组织而非他组织主体,干预重点在于"金融沙漠",同时应尊重市场规律,引导"社会责任"的实现。
[Abstract]:Based on the analysis of urban-rural duality of financial exclusion, this paper analyzes the spatial differences and induced factors of exclusion from a new perspective of urban-rural interaction coupling. On the basis of constructing the duality index of urban-rural financial exclusion. The fuzzy curve method is used to prove the difference of composite causality and contribution elasticity of each inductive factor. The results show that the influence of technology, income, education and other factors on the financial system of city and township is different. Therefore, their financial inclusion measures should be focused on each other; There are spatial spillover effects in urban and rural financial regional systems, which complement each other rather than mutually exclusive. The weakening of duality should give full play to the diffusion effect of cities and promote the acceleration of rural finance development. There are both positive and negative aspects of financial exclusion. As the main body of self-organization rather than other organization, government intervention focuses on the "financial desert", and should respect the law of the market and guide the realization of "social responsibility".
【作者单位】：郑州大学商学院;
【基金】：国家自然科学基金青年项目“我国农村地区金融排斥及其金融体系重构新思路”(批准号40901070)
【分类号】：F832
【正文快照】： 一、引言金融排斥(Financial Exclusion)是金融地理学的新兴研究方向,1997年开始,成为国外政府部门金融管理决策过程中优先考察的议题。中外学者从不同角度、不同层面对该专题进行了全方位探讨,包括其概念的内涵与外延、易被排斥对象、排斥的动态过程、原因与后果①等。目前

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