基于金融地理学的我国农村金融发展差异及影响因素研究

发布时间：2018-05-31 02:34

本文选题：农村金融 + 金融地理学　；参考：《湖南大学》2013年硕士论文

【摘要】：十八大报告指出：解决好农业、农村、农民问题是全党工作重中之重。农村金融作为农村经济的重要杠杆，是解决“三农”问题的关键。然而我国农村金融面临商业性金融支农不足、农村信用社属性模凌两可、农村政策性金融功能弱化、农村金融市场失灵等问题。尽管党的十七届三中全会《中共中央关于推进农村改革发展若干重大问题的决定》确定了加快建立商业性金融、合作性金融、政策性金融相结合的农村金融体系这一重大战略决策，但我国农村金融排斥程度仍然较大，31个省（区、市）中54.8%的地区遭受了严重的金融排斥，农村金融发展区域差距拉大，这将严重影响建立健全适应“三农”特点的多层次、广覆盖、可持续的农村金融体系目标的实现。因此考察我国农村金融发展差异程度及影响因素能为农村金融政策的制定提供一定思路。目前国内已有的关于农村金融差异度量的研究中，多以定性描述、单指标分析为主；有关农村金融差异影响因素的研究中，，多采用传统统计模型研究农村经济对金融的影响，较少考虑农村地理位置、自然条件、文化科技等因素。鉴于此，本文试图从金融总量、金融结构、金融效率和金融支持环境四个方面建立农村金融综合发展指标体系全面衡量农村金融发展差异现状；在此基础上，从金融地理学角度，运用模糊曲线法，将各金融地理因素（地理环境、科技、文化、基础设施、劳动力、经济、对外开放水平、聚集程度）纳入实证分析，考察各金融地理因子对农村金融综合发展水平的贡献程度。研究结果表明，我国农村金融综合发展水平差异明显，2005年后区域内省际差异程度大于区域间差异；农村金融发展省际差异聚类划分和东中西经济区域划分有所不同；各金融地理因子中设施因子影响程度最大，科技、文化、地理环境、经济因子影响次之，开放、劳动、聚集因子影响程度较小。最后，本文认为，缩小农村金融区域发展差异不应仅依靠发展农村经济和财政扶持，应统筹各种金融地理因素，尤其应注重农村基础设施建设、科技和文化对农村金融发展的显著提升效应，提高农村金融内生发展能力。
[Abstract]:The report of the 18th National Congress pointed out that solving the problems of agriculture, rural areas and farmers is the top priority of the whole Party's work. As an important lever of rural economy, rural finance is the key to solve the problem of agriculture, countryside and farmers. However, the rural finance in our country is faced with the shortage of commercial finance supporting agriculture, the attribute of rural credit cooperatives, the weakening of the function of rural policy-oriented finance, the failure of rural financial market, and so on. Although the third Plenary session of the 17th CPC Central Committee, "the decision of the CPC Central Committee on several major issues concerning the promotion of rural reform and development", determined to speed up the establishment of commercial finance and cooperative finance, The rural financial system combined with policy finance is a major strategic decision, but the degree of rural financial exclusion is still relatively large in China. 54.8% of the 31 provinces (districts and municipalities) have suffered from severe financial exclusion, and the regional gap in rural financial development has widened. This will seriously affect the realization of the goal of establishing and perfecting the rural financial system which adapts to the characteristics of agriculture, rural areas and farmers. Therefore, investigating the difference of rural financial development and its influencing factors can provide some ideas for the formulation of rural financial policy. At present, there are many researches on the measurement of rural financial differences, mainly qualitative description, single index analysis, and the traditional statistical model is used to study the impact of rural economy on finance in the research of influencing factors of rural financial differences. Less consideration of rural geographical location, natural conditions, cultural and technological factors. In view of this, this paper attempts to establish an index system of comprehensive development of rural finance from four aspects: total amount of finance, financial structure, financial efficiency and financial support environment. From the point of view of financial geography, this paper applies fuzzy curve method to the empirical analysis of various financial geographical factors (geographical environment, science and technology, culture, infrastructure, labor force, economy, level of opening to the outside world, degree of agglomeration). To investigate the contribution of various financial geographical factors to the comprehensive development of rural finance. The results show that there are obvious differences in the level of comprehensive development of rural finance in China, and the degree of inter-provincial differences is greater than that of inter-regional differences after 2005, and the cluster division of inter-provincial differences in rural financial development is different from that of the eastern, western and western economic regions. Among the financial geographical factors, the influence degree of facility factor is the biggest, and that of science and technology, culture, geographical environment and economy is the second, and that of openness, labor and aggregation is small. Finally, the paper holds that reducing the differences in the development of rural financial regions should not only depend on the development of rural economy and financial support, but also integrate all kinds of financial geographical factors, especially the construction of rural infrastructure. The effect of science and technology and culture on the development of rural finance is significant, and the endogenous development ability of rural finance is improved.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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