我国农村金融发展水平收敛性的实证分析

发布时间：2018-10-15 10:32

【摘要】：本文采用2006~2009年1875个县(市)的数据,以金融相关比率为衡量指标,对我国农村地区金融发展水平收敛性进行了实证分析。总体来看,我国农村地区金融发展不存在收敛性,但呈现出β绝对收敛的特征,即农村金融发展相对落后地区潜在发展速度更快,而农村金融发展相对领先地区潜在发展速度相对较慢;分区域农村金融发展不存在俱乐部收敛的特征。呈现以上特征的原因在于我国县域经济发展的宏观大环境和国家对县域经济发展的制度倾斜。目前应加快农村城镇化、工业化、农业产业化进程,推动县域经济发展;建立互补有序、协调发展的农村金融资源配置体系,有效缩短地区间金融资源配置差异,提高农村金融体系效率。
[Abstract]:Based on the data of 1875 counties (cities) from 2006 to 2009, this paper makes an empirical analysis on the convergence of financial development level in rural areas of China. Generally speaking, there is no convergence in financial development in rural areas of China, but it shows the characteristic of absolute convergence, that is, the potential development speed of rural financial development is faster than that of backward areas. The potential development speed of rural financial development is relatively slow, and the sub-regional rural financial development does not have the characteristics of club convergence. The reasons for the above characteristics lie in the macro environment of the development of county economy and the system inclination of the country to the development of county economy. At present, we should speed up the process of rural urbanization, industrialization and agricultural industrialization, promote the development of county economy, establish a complementary and orderly rural financial resources allocation system, and effectively shorten the differences between regions in the allocation of financial resources. Improving the efficiency of the rural financial system.
【作者单位】：华中农业大学经济管理学院;
【基金】：高等学校博士学科点专项科研基金博导类项目“农业保险主体博弈与最优作物保险契约形成机制研究”(项目编号:20090146110001) 2010年教育部人文社会科学研究青年基金项目“基于伊斯兰文化视角的新疆民间金融研究”(项目编号:10YJC90100)的部分研究成果中央高校基本科研业务费专项资金(项目编号:2009RW003)资助
【分类号】：F832.35;F224

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