农村普惠金融发展评价分析——来自山东的实证研究

发布时间：2018-07-02 08:39

本文选题：普惠金融 + 农村金融　；参考：《东岳论丛》2017年11期

【摘要】：农村金融是我国普惠金融体系的重要组成部分,研究农村金融普惠发展水平及其影响因素是构建普惠性农村金融体系的基础。本文以2006-2015年山东省的宏观统计数据为研究样本,采用改良的普惠金融发展评价指数测算方法对农村普惠金融的发展水平进行了测度,并通过构建普惠金融发展水平影响因素模型,实证检验了农村普惠金融发展的影响因素。测算结果表明:我国农村普惠金融发展水平基本上逐年稳步提升;2008年以来,地方政府普惠金融政策的相继出台,以及2009年央行开始实行适度宽松货币政策,使得农村普惠金融发展水平自2008年之后增速较快。从农村普惠金融发展的影响因素来看,农村地区人均收入、农村经济发展水平、互联网发展水平、政府财政支持力度及城镇化率四个因素对农村普惠金融发展影响显著,且是正向影响的;交通便利度、农业科技化水平也属于正向影响因素,但不显著;而农业产业的重要性对农村普惠金融发展具有显著负向影响。为此,从农村普惠金融顶层设计、经济基础、财政和政策支持、基础设施建设及农业保险等方面提出相关政策建议,以期推进普惠金融的进一步发展。
[Abstract]:Rural finance is an important part of China's inclusive financial system. It is the foundation of constructing inclusive rural financial system to study the development level of rural financial inclusion and its influencing factors. Based on the macro-statistical data of Shandong Province from 2006 to 2015, this paper measures the development level of rural inclusive finance by using the improved inclusive financial development evaluation index. By constructing a model of influencing factors of inclusive financial development level, the paper empirically tests the influencing factors of rural inclusive financial development. The results show that: the development level of rural inclusive finance in China has been improving steadily year by year; since 2008, the local governments' inclusive financial policy has been introduced one after another, and the central bank began to implement moderately loose monetary policy in 2009. So that the level of rural inclusive financial development since 2008 faster growth. From the perspective of influencing factors of rural inclusive financial development, four factors, such as per capita income, level of rural economic development, level of Internet development, government financial support and urbanization rate, have a significant impact on rural inclusive financial development. And it is positive; the degree of transportation convenience and the level of agricultural science and technology also belong to the positive factors, but not significant; and the importance of agricultural industry has a significant negative impact on the development of rural inclusive finance. In order to promote the further development of inclusive finance, this paper puts forward some relevant policy suggestions from the top design of rural inclusive finance, economic base, financial and policy support, infrastructure construction and agricultural insurance.
【作者单位】：山东农业大学经济管理学院;
【基金】：教育部人文社会科学研究青年基金“农地确权、农民产权认知与劳动力转移代际差异研究”(17YJC790213) 山东省自然科学基金青年项目“农地确权对农地流向家庭农场的影响研究:基于供求意愿视角”(ZR2016GQ10)
【分类号】：F832.35

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