湖北省农村金融服务水平测度及影响因素研究

发布时间：2018-06-24 04:19

本文选题：农村金融服务 + 评价指标　；参考：《华中农业大学》2012年硕士论文

【摘要】：提升农村金融服务水平、实现农村金融全覆盖是我国农村金融改革的重要目标。近年来国内外学者围绕发展中国家农村金融服务进行了若干宏观层面的研究,初步探索了金融服务水平的测算方法及其影响因素,对一国宏观金融政策的干预有一定的借鉴意义。但已有研究在如何科学测度金融服务的水平上,尚缺乏较为统一完善的测度方法,使得研究难以有效深入,也无法提出操作性和针对性的政策建议。本文以金融发展理论的新进展为理论指导,构建了农村金融服务水平测算的指标体系,并运用该指标对湖北省64个县(市)进行了实际测评,分析了影响湖北农村金融服务水平高低的因素。研究的核心内容与结论如下：构建金融服务水平评价指标体系。本文第2章对国内外金融服务水平的测度指标与方法进行了总结归纳,借鉴IFI指数,提出了农村金融服务水平测度指标(LRFS),并确立了4个维度。与其他评价指标相比,该指数包括的服务维度更全面,且更具可操作性。对湖北农村金融服务的水平进行了实际测评。该部分内容见本文第3章。为获取湖北农村金融服务的总体概况,该部分首先对湖北整体金融服务机构网点以及贷款情况进行了简要分析,并根据第2章确定的维度与计算方法,对湖北64个县(市)2006-2010年的农村金融服务水平进行了实际测评,结果显示：从横向看,湖北农村金融整体服务水平较低,2010年仅有恩施市处于较高水平；从纵向看,从2006-2010这5年间,各地农村金融服务水平未有明显提高；此外,不同县(市)之间农村金融服务水平存在较大差距。分析了影响湖北省农村金融服务水平高低的因素。本文第4章在对国内外金融服务水平影响因素的相关研究成果的基础上,提出了相关假说,并运用面板数据模型对湖北64个县(市)进行了实证检验。研究结果表明：地区经济发展水平、就业水平、医疗保障水平、信息化水平以及城镇化率对农村金融服务水平有显著的正向影响。以上结论暗含的政策含义是：要提升湖北农村金融服务水平,必须加强农村金融基础设施建设、进一步增强信贷服务、降低服务成本以及普及农村金融服务新技术等等。
[Abstract]:To improve the level of rural financial services and achieve full coverage of rural finance is an important goal of rural financial reform in China. In recent years, scholars at home and abroad have carried out a number of macro-level studies around rural financial services in developing countries, and preliminarily explored the measuring methods and influencing factors of the level of financial services. The intervention to a country's macro financial policy has certain reference significance. However, the research on how to measure the level of financial services scientifically is still lack of a unified and perfect measurement method, which makes it difficult for the study to be effective and in-depth, and also unable to put forward operational and targeted policy recommendations. Under the guidance of the new development of financial development theory, this paper constructs an index system for the measurement of rural financial service level, and evaluates the 64 counties (cities) in Hubei Province by using this index. The factors influencing the level of rural financial services in Hubei are analyzed. The core contents and conclusions of the study are as follows: construct the evaluation index system of financial service level. In the second chapter, the measurement index and method of the financial service level at home and abroad are summarized, and the LRFS (Rural Financial Service level Measurement Index) is put forward by using the IFI index as reference, and four dimensions are established. Compared with other evaluation indicators, the index includes more comprehensive service dimensions and more maneuverability. The level of rural financial services in Hubei Province has been assessed. See Chapter 3 of this article. In order to obtain the general situation of Hubei rural financial service, this part firstly briefly analyzes the network of the whole Hubei financial service institution and the situation of the loan, and according to the dimension and calculation method determined in Chapter 2, The actual level of rural financial services in 64 counties (cities) of Hubei Province from 2006 to 2010 is evaluated. The results show that the overall level of rural financial services in Hubei Province is relatively low in horizontal terms, and only Enshi City is at a relatively high level in 2010; from a vertical point of view, from the five years of 2006-2010, the overall level of rural financial services in Hubei Province is relatively low. The level of rural financial services has not been significantly improved, in addition, there is a large gap between different counties (cities) in rural financial services. The factors influencing the level of rural financial services in Hubei Province are analyzed. In chapter 4, based on the related research results of the factors influencing the level of financial services at home and abroad, the relevant hypothesis is put forward, and the empirical test of 64 counties (cities) in Hubei is carried out by using the panel data model. The results show that the level of regional economic development, employment level, medical security level, information level and urbanization rate have a significant positive impact on the level of rural financial services. The policy implication of the above conclusions is that in order to improve the level of rural financial services in Hubei, it is necessary to strengthen the construction of rural financial infrastructure, further strengthen credit services, reduce service costs and popularize new rural financial services technologies and so on.
【学位授予单位】：华中农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35;F224

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