摘要
实体网点和互联网是目前两种具有代表性的推动农村金融发展的渠道,但两者中谁推动农村普惠金融发展的效率更高尚未得知。论文通过多元回归比较互联网和传统银行网点推动农村金融发展的效率,进行经验分析后表明:互联网推动农村金融发展的边际效用相比网点建设更高;单纯增加银行网点的数量对农村金融发展增加并不显著,网点建设需要兼顾网点与人口分布的协调度;互联网建设推动农村金融发展的效用在东部和中部地区较为显著,在西部地区并不显著;互联网建设显著推动了农村企业的贷款增加,但银行网点对农户贷款更为明显。
This paper compares the efficiency of the Internet and traditional bank branches in promoting rural financial development through multiple regression,and empirical analysis suggests that the marginal utility of the Internet in promoting rural financial development is higher than that of the rural bank branches.Only increasing in the number of bank branches will not significantly increase rural loans,but needs to take into account the coordination of population and bank branches.The effect of Internet exclusion alleviation on loan increase is significant in the east and the middle,but not in the west.The Internet mainly significantly boosts lending of rural enterprises,while bank branches benefit to rural households.Policy suggestions are that the Internet is an more efficient means to promote rural financial development than bank branches,but it cannot replace the bank network,thus the both channels need to be simultaneously taken into account.The construction of bank branches should focuses on the subsidence of geographical level.For different regions and rural groups,it is necessary that a differentiated rural financial development path is implemented.
作者
慕丽杰
郭昆宇
MU Li-jie;GUO Kun-yu
出处
《农村金融研究》
2020年第4期37-46,共10页
Rural Finance Research
