摘要
运用耦合度模型和阻碍度模型对2010—2019年农村普惠金融供给与农民生活富裕耦合协调关系进行检验。结果表明,农村普惠金融供给与农民生活富裕耦合度较低但处于逐年改善状态。阻碍度检验表明,当前阻碍农村普惠金融供给与农民生活富裕耦合协调发展的主要因素来自农村普惠金融供给,小微企业贷款、扶贫贷款是主要阻碍因子。建议从提高协调关系、提高农民可支配收入、着重解决小微企业贷款与扶贫贷款获得性问题等方面促进农村普惠金融供给与农民生活富裕耦合协调发展。
This paper uses the model of coupling degree and hindrance degree to test the coupling coordination relationship between rural inclusive financial supply and farmers’affluence from 2010 to 2019.The results show that the coupling degree between them is relatively low,but it is improving year by year.The hindrance test shows that the main factors that hinder the coupling and coordinated development of rural inclusive financial supply and farmers’affluence lie in rural inclusive financial supply,especially small and micro enterprise loans and poverty alleviation loans.Based on our finding,this paper puts forward some suggestions to promote the coupling and coordinated development of rural inclusive financial supply and farmers’affluence.First,development should be achieved in both sides;Second,farmers’disposable income should be increased;Third,loans for small and micro enterprises and poverty alleviation loans should be more available.
作者
任森春
靳甜甜
REN Senchun;JIN Tiantian(School of Finance, Anhui University of Finance and Economics, Bengbu 233030, China)
出处
《安徽农业大学学报（社会科学版）》
2022年第2期8-14,38,共8页
Journal of Anhui Agricultural University:SOC.SCI.
基金
安徽省金融学会重点研究课题“农村普惠金融供给与农民生活富裕耦合协调关系研究——以安徽省为例”
安徽财经大学研究生科研创新基金项目“农民生活富裕与提升农村普惠金融供给能力的研究”(ACYC2020201)。
关键词
农村普惠金融供给
农民生活富裕
耦合度
阻碍度模型
rural inclusive financial supply
farmers’affluence
coupling degree
hindrance degree model
