摘要
中国农村金融市场目前发展比较滞后,金融工具单一,服务品种少,大批国有商业银行纷纷从农村撤出。2007年后外资银行却反其道而为之,不断深入落后的中国农村金融市场,抢先布局村镇银行。本文通过对2007-2010年的省级面板数据进行回归,用Logit模型分析了外资银行进入中国农村金融市场区位选择的主要影响因素,发现市场机会、金融市场规模等是外资村镇银行选址时考虑的因素。
At present, the development of China' s rural tinanclal market, financial instruments are very simple and service items are few, so a lot of state-owned commercial banks flee away from rural market. However, after 2007 foreign banks continuously access into China' s rural financial market and compete to distribute the village banks, which is contrary to China commercial banks. This paper makes regression with the panel-data of provinces from 2007 to 2010, and analyzes the main effect factors of location choice of foreign banks entering China' s rural financial market by the Logit model, finding that market opportunity, financial market scale, and so on are the factors foreign-funded rural banks choosing location.
基金
"对外经济贸易大学研究生科研创新项目(A20110105)"重点项目阶段性研究成果
关键词
外资村镇银行
中国农村金融市场
区位选择
Foreign village bank
China's rural financial market
Location choice