市场竞争、新型农村金融机构扩张与普惠金融发展——基于省级面板数据的检验与比较

发布时间：2018-07-07 16:53

本文选题：普惠金融 + 新型农村金融机构　；参考：《中国农村经济》2017年01期

【摘要】：本文基于修正后的霍特林模型分析了新型农村金融机构扩张及金融市场竞争对普惠金融发展的影响并提出研究假说,结合中国31个省(区、市)的数据,运用文本挖掘法构建普惠金融发展指数并以此测算各省份普惠金融发展水平,在引入金融市场竞争、普惠金融发展指数滞后项、人均地区生产总值等因素作为控制变量后,利用2010~2014的数据分别采用静态面板模型和动态面板模型估计新型农村金融机构扩张及其与金融市场竞争的交互作用对普惠金融发展的影响,并区分东部、中部、西部三大区域做进一步的稳健性检验。结果表明:新型农村金融机构扩张对普惠金融发展水平有显著的正向影响,并且在金融市场竞争水平越高的区域,这种影响越大;人均地区生产总值、交通便利程度、城乡收入差距、农村保险发展水平等因素均对普惠金融发展水平有显著的正向影响,并且这种影响在不同区域存在差别。
[Abstract]:Based on the modified Hotling model, this paper analyzes the influence of the expansion of new rural financial institutions and the competition of financial market on the development of inclusive finance, and puts forward the research hypothesis, combining with the data of 31 provinces (districts and cities) in China. This paper uses text mining method to construct inclusive financial development index and calculate the development level of inclusive finance in every province. After introducing financial market competition, lagging term of inclusive financial development index and per capita regional gross domestic product as control variable, etc. Using the data of 2010 / 2014, the static panel model and dynamic panel model are used to estimate the impact of the expansion of new rural financial institutions and their interaction with financial market competition on the development of inclusive finance. The three major regions of the West will further test their robustness. The results show that the expansion of new rural financial institutions has a significant positive impact on the level of inclusive financial development, and the higher the level of competition in financial markets, the greater the impact; The income gap between urban and rural areas, the level of rural insurance development and other factors have significant positive impact on inclusive financial development level, and this impact is different in different regions.
【作者单位】：北京工商大学经济学院;
【基金】：国家自然科学基金项目“普惠金融视角下新型农村金融机构的目标偏离及其治理机制研究”(项目批准号:71473009)的阶段性研究成果
【分类号】：F832.35

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