“有为政府”与农村普惠金融发展——基于上海财经大学2015“千村调查”
发布时间：2019-01-18 16:18
【摘要】：文章基于2015年上海财经大学"千村调查",从大概念的普惠金融角度,用渗透度、使用度和效用度衡量普惠金融,用政策扶持、基层工作和基础设施衡量政府作为,分析了政府作为对普惠金融的影响及地区差异。研究发现,东部农村普惠金融发展最好,西部农村政府最有作为;普惠金融的核心应是提高金融服务的使用度,尤其是银行业务的使用度;有为政府应是全方位有所作为;政府的积极作为能显著促进普惠金融发展,但以带门槛补贴为主的政策扶持并不有效,应慎用;在普惠金融发展中,西部地区政府应加强金融基础设施建设并提高政策扶持力度,东中部地区政府则应夯实基层工作。
[Abstract]:Based on the 2015 Shanghai University of Finance and Economics' Qiancun Survey, from the perspective of inclusive finance, the paper measures inclusive finance in terms of penetration, utilization and utility, and measures government performance with policy support, grass-roots work and infrastructure. This paper analyzes the influence of government on inclusive finance and regional differences. It is found that the eastern rural inclusive finance has the best development, the western rural government is the most effective; the core of inclusive finance should be to improve the use of financial services, especially the use of banking; The positive action of the government can promote the development of inclusive finance, but the policy support mainly with threshold subsidy is not effective and should be used with caution. In the development of inclusive finance, the governments of the western region should strengthen the construction of financial infrastructure and enhance the policy support, while the governments of the eastern and central regions should consolidate the grass-roots work.
【作者单位】： 上海财经大学金融学院;
【基金】：上海财经大学2015年度“千村调查”项目的资助
【分类号】：F832.35
[Abstract]:Based on the 2015 Shanghai University of Finance and Economics' Qiancun Survey, from the perspective of inclusive finance, the paper measures inclusive finance in terms of penetration, utilization and utility, and measures government performance with policy support, grass-roots work and infrastructure. This paper analyzes the influence of government on inclusive finance and regional differences. It is found that the eastern rural inclusive finance has the best development, the western rural government is the most effective; the core of inclusive finance should be to improve the use of financial services, especially the use of banking; The positive action of the government can promote the development of inclusive finance, but the policy support mainly with threshold subsidy is not effective and should be used with caution. In the development of inclusive finance, the governments of the western region should strengthen the construction of financial infrastructure and enhance the policy support, while the governments of the eastern and central regions should consolidate the grass-roots work.
【作者单位】： 上海财经大学金融学院;
【基金】：上海财经大学2015年度“千村调查”项目的资助
【分类号】：F832.35
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