摘要
本文从理论上分析中国农村金融排斥的内在机理,提出农村金融排斥六维度假设,并构建农村金融排斥模型(EXCLUDED)和农村金融排斥程度的测算指标。农村金融市场是一个多维复杂的体系,影响中国农村金融排斥的最主要因素为价格排斥和营销排斥,且政府财政支农、调控利率等干预手段在省域范围内存在失灵,农村金融排斥程度在省域范围以及地域范围内差异较大,同时农村金融六个维度排斥程度之间的差异也相当大。解决农村金融市场排斥问题需打"金融组合拳",促进中国各省市农村经济的稳定与协调发展,改善农村的产业结构和发展模式,提高农村金融机构的发展水平。
This paper is a theoretical analysis of the internal mechanism of Chinese rural financial exclusion. The paper proposes a six-dimension hypothesis of rural financial exclusion and constructes a model and indexes to measure the rural financial exclusion. The empirical results show that rural financial market is a multi-dimensional and complex system; the most important factors to influence China's rural financial exclusion are price exclusion and marketing exclusion; intervention measures, such as governmental financial support for agriculture, interest rate regulation, etc., may be failed in provincial region; the degree of rural financial exclusion varies greatly between provinces or districts, so do the degrees of rural financial exclusion in six dimensions. The financial combination is needed to solve the problem of rural financial exclusion: to promote the stability and coordinate development of provincial economy, reform the industrial structure and developmental mode in rural areas, and improve the developmental level of rural financial institutions.
出处
《金融论坛》
CSSCI
北大核心
2014年第1期17-27,35,共12页
Finance Forum
基金
国家级大学生创新训练计划项目"农村金融发展与农民收入增长关系的实证研究--以安徽省芜湖市为例"(201310370052)
安徽师范大学大学生创新训练计划项目"农村金融发展与农民收入增长关系的实证研究--以安徽省芜湖市为例"(201310370052)
安徽师范大学本科生优秀毕业论文培育计划项目"皖江城市带承接产业转移示范区科技创新效率与影响因素研究:理论和实证"(pyjh2013045)
关键词
农村金融排斥
农村金融市场
农村产业结构
农村金融机构
rural financial exclusion
rural financial market
rural industrial structure
rural financial institution
