我国农村金融排斥影响因素的实证分析——基于县域金融机构网点分布的视角

发布时间：2018-03-08 22:37

本文选题：县域金融机构　切入点：网点分布　出处：《金融研究》2012年09期 　论文类型：期刊论文

【摘要】：现阶段我国广大农户的金融服务(包括存款、汇兑等最基本的服务)需求还没有得到满足,金融排斥现象在农村地区普遍存在。本文以县域金融机构网点分布作为农村金融排斥状况的代理变量,从金融供给方视角分析影响我国农村金融排斥的因素。研究发现,人口规模小、社会消费品零售总额小、金融基础设施状况差的县域更易受到金融排斥。分机构考察表明,商业银行在进行网点布局时更多地关注城镇人口规模与城镇居民收入,而农村信用社在进行网点布局时主要关注人口规模变量(尤其是乡村人口规模),收入变量不显著。考虑到我国县域之间具有较大的差异,传统OLS的均值回归并不能反映所考察问题的全貌,本文运用具有更高稳健性的分位数回归,分析各因素对不同分位点县域的影响效应及显著性差异。最后为缓解农村金融排斥、提高农村地区金融服务的可获得性,提出有针对性的政策建议。
[Abstract]:At this stage, the financial services (including deposits, foreign exchange and other most basic services) of the vast number of farmers in our country have not yet been met. The phenomenon of financial exclusion is widespread in rural areas. This paper takes the distribution of county financial institutions as the proxy variable of the situation of rural financial exclusion, analyzes the factors that affect the rural financial exclusion from the perspective of financial suppliers. Counties with a small population, small retail sales of social consumer goods, and poor financial infrastructure are more vulnerable to financial exclusion. An institutional survey shows that commercial banks pay more attention to the size of the urban population and the income of urban residents in their distribution of outlets. However, the rural credit cooperatives mainly pay attention to the population scale variables (especially the rural population scale), but the income variables are not significant. Considering the great differences between the counties in our country, the rural credit cooperatives pay more attention to the population size variables. The traditional OLS mean regression can not reflect the whole picture of the problem investigated. This paper uses the quantile regression with higher robustness to analyze the effect and significant difference of the factors on the county areas of different sub-loci. Finally, in order to alleviate the rural financial exclusion, Improve the availability of financial services in rural areas, and put forward targeted policy recommendations.
【作者单位】：南京农业大学江苏农村金融发展研究中心、经济管理学院;
【基金】：江苏高校哲学社会科学重点研究基地重大项目(2010JDXM020) 教育部人文社会科学研究规划基金项目(10YJA790006) 江苏省普通高校研究生科研创新计划项目(CXZZ12,0300)的资助
【分类号】：F832.35;F224

【参考文献】