农村金融发展水平度量体系构建与实证分析
发布时间：2018-07-31 12:23
【摘要】：现有度量农村金融发展水平的方法无法直接体现农村金融对"农户""农民"和"农业"的金融支持情况,无法反映农村金融发展的质量和可持续性,也没有考虑不同经济发展阶段农村金融的需求特征。基于农村金融发展的渗透度、方向性和可持续性特征,建立"三位一体""5指标+1因子"的农村金融发展水平复合度量体系,并对各地区农村金融发展水平进行实证评价,结果表明:自2006年以来,中国农村金融发展的总体水平有明显提升,区域差异有缩小的趋势;但农村贷款的投放集中度在提高,获得贷款的农户比例处于下降态势,农村金融"嫌贫爱富"的状况加剧。应兼顾农村金融的可持续性和渗透度,积极推进农村金融与农村产业发展以及现代农业的有机融合。
[Abstract]:The existing methods of measuring the level of rural financial development can not directly reflect the financial support of rural finance to "farmers" and "agriculture", and can not reflect the quality and sustainability of rural financial development. Also did not consider different economic development stage rural finance demand characteristic. Based on the characteristics of penetration, directionality and sustainability of rural financial development, a compound measurement system of "trinity" and "5 index and 1 factor" is established, and the level of rural financial development in various regions is evaluated empirically. The results show that: since 2006, the overall level of rural financial development in China has obviously increased, and the regional differences have tended to shrink, but the concentration of rural loans is increasing, and the proportion of farmers receiving loans is in a declining trend. The condition that rural finance is "loathing for rich and poor" intensifies. We should pay attention to the sustainability and penetration of rural finance, actively promote the development of rural finance and rural industry as well as the organic integration of modern agriculture.
【作者单位】： 重庆师范大学;重庆社会科学院;重庆理工大学;西南大学;
【基金】：国家社会科学基金资助项目(10JY061)“中国农村金融发展的区域差异研究——基于劳动分工视角”
【分类号】：F832.7;F222.39
[Abstract]:The existing methods of measuring the level of rural financial development can not directly reflect the financial support of rural finance to "farmers" and "agriculture", and can not reflect the quality and sustainability of rural financial development. Also did not consider different economic development stage rural finance demand characteristic. Based on the characteristics of penetration, directionality and sustainability of rural financial development, a compound measurement system of "trinity" and "5 index and 1 factor" is established, and the level of rural financial development in various regions is evaluated empirically. The results show that: since 2006, the overall level of rural financial development in China has obviously increased, and the regional differences have tended to shrink, but the concentration of rural loans is increasing, and the proportion of farmers receiving loans is in a declining trend. The condition that rural finance is "loathing for rich and poor" intensifies. We should pay attention to the sustainability and penetration of rural finance, actively promote the development of rural finance and rural industry as well as the organic integration of modern agriculture.
【作者单位】： 重庆师范大学;重庆社会科学院;重庆理工大学;西南大学;
【基金】：国家社会科学基金资助项目(10JY061)“中国农村金融发展的区域差异研究——基于劳动分工视角”
【分类号】：F832.7;F222.39
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