农村普惠金融发展水平及影响因素分析——基于陕西省107家农村信用社全机构数据的经验考察

发布时间：2019-06-22 14:38

【摘要】：本文基于2008~2014年陕西省107家农村信用社全机构调查数据,在构建农村普惠金融发展水平评价指标体系的基础上,运用Cov-AHP方法确定各指标权重,并借助Oaxaca-Blinder分解方法,深入探讨了不同地区和不同产权形式的农村信用社所提供的普惠金融服务水平存在差异的主要原因。分析发现:中间业务交易金额与当地生产总值之比、农户拥有农村信用社银行卡数量、存款加权利率水平和贷款加权利率水平是评价农村普惠金融发展水平最重要的4个指标;陕西省农村信用社普惠金融服务水平总体较低,不同地区和不同产权形式农村信用社所提供的普惠金融服务水平差异较大,并呈现出分化格局;投资环境、产业结构、竞争环境、政府财政支出、城乡收入差距对农村信用社普惠金融服务总体水平有显著影响。
[Abstract]:Based on the survey data of 107 rural credit cooperatives in Shaanxi Province in 2014, and on the basis of constructing the evaluation index system of rural inclusive financial development level, this paper uses Cov-AHP method to determine the weight of each index, and with the help of Oaxaca-Blinder decomposition method, probes into the main reasons for the differences in the level of inclusive financial services provided by rural credit cooperatives in different regions and different forms of property rights. It is found that the ratio of intermediate business transaction amount to local gross domestic product (GDP), the number of bank cards owned by farmers, the level of deposit weighted interest rate and the level of loan weighted interest rate are the four most important indexes to evaluate the development level of rural inclusive finance. The level of inclusive financial services provided by rural credit cooperatives in Shaanxi Province is generally low, and the level of inclusive financial services provided by rural credit cooperatives in different regions and different forms of property rights is quite different, and presents a differentiated pattern. Investment environment, industrial structure, competitive environment, government financial expenditure and income gap between urban and rural areas have a significant impact on the overall level of inclusive financial services of rural credit cooperatives.
【作者单位】：西北农林科技大学经济管理学院;西北农林科技大学农村金融研究所;长安银行股份有限公司;
【基金】：教育部“长江学者和创新团队发展计划”创新团队项目“西部地区农村金融市场配置效率、供求均衡与产权抵押融资模式研究”(编号:IRT1176) 国家自然科学基金面上项目“农村土地承包经营权抵押融资试点效果评价、运作模式与支持政策研究”(编号:71573210) 西北农林科技大学软科学研究项目“农村普惠金融与支持政策”(编号:2016RKX02) 基本科研业务费人文社科项目“农村土地承包经营权抵押担保融资效果评价、运作模式与支持政策研究”(编号:2014RWZD01)资助
【分类号】：F832.35

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