西南三省农村普惠金融发展水平测度
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摘要
从银行业金融机构在农村地区的覆盖率、乡村居民对金融产品与服务的使用程度以及金融产品的使用效用性等3个维度,利用面板数据及相关计量方法,测度了2007—2016年西南三省(四川、云南、贵州)农村普惠金融发展水平。研究表明,四川省和云南省农村普惠金融发展指数高于贵州省,但贵州省普惠金融发展指数平均增长速度高于四川省和云南省。最后,从加强西南地区农村地区基础设施建设、创新农村金融服务、加强政策支持以及学习并推广东部农村金融发展的先进模式等方面提出了提高西南三省农村普惠金融发展水平的建议。
With panel data and relevant measurement methods, three dimensions of the development level of rural inclusive finance, including the coverage rate of banking financial institutions, the degree of rural residents' use of financial products and services, and the utility of financial products, were analyzed in three provinces of southwest China(Sichuan, Yunnan and Guizhou) from 2007 to 2016. The results showed that the indexes of rural inclusive finance development of Sichuan and Yunnan were higher than that of Guizhou, but the average growth rate of inclusive finance development index of Guizhou was higher than that of Sichuan and Yunnan. Finally, from the aspects of strengthening the infrastructure construction of rural areas of southwest China, innovating rural financial services, strengthening policy support, learning and promoting the advanced model of rural financial development of east areas in China, the authors put forward some suggestions on improving the level of rural inclusive financial development in three provinces of southwest China.
With panel data and relevant measurement methods, three dimensions of the development level of rural inclusive finance, including the coverage rate of banking financial institutions, the degree of rural residents' use of financial products and services, and the utility of financial products, were analyzed in three provinces of southwest China(Sichuan, Yunnan and Guizhou) from 2007 to 2016. The results showed that the indexes of rural inclusive finance development of Sichuan and Yunnan were higher than that of Guizhou, but the average growth rate of inclusive finance development index of Guizhou was higher than that of Sichuan and Yunnan. Finally, from the aspects of strengthening the infrastructure construction of rural areas of southwest China, innovating rural financial services, strengthening policy support, learning and promoting the advanced model of rural financial development of east areas in China, the authors put forward some suggestions on improving the level of rural inclusive financial development in three provinces of southwest China.
引文
[1]温涛,白继山,王小华.基于Lotka-Volterra模型的中国农村金融市场竞争关系分析[J].中国农村经济,2015(10):42-54.
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[7]高沛星,王修华.我国农村金融排斥的区域差异与影响因素---基于省际数据的实证分析[J].农业技术经济,2011(04):93-102.
[8]冯林,罗怀敬,李文正,等.县域金融集聚影响因素研究---基于空间杜宾模型和山东省县域数据的实证[J].农业技术经济,2016(06):113-122.
[2]谢丽霜,李可.我国民族地区农村金融普惠水平及影响因素分析[J].改革与战略,2015,31(07):111-116.
[3]Beck T,Demirguc-Kunt A,Martinez Peria MS.Reaching out:Access to and Use of Banking Services Across Countries[J].Journal of Financial Economics,2007,85(1):234-266.
[4]Mandira Sarma.Index of Financial Inclusion[R].New Delhi:Indian Council for Research on International PRInomic Relations,Working Papers,2008,No.215.
[5]Satya R.,Chakravarty,Rupayan Pal.Measuring Financial Inclusion:An Axiomatic Approach[R].Microeconomics Working Papers 22776,East Asian Bureau of Economic Research,2010.
[6]蔡洋萍.湘鄂豫中部三省农村普惠金融发展评价分析[J].农业技术经济,2015(02):42-49.
[7]高沛星,王修华.我国农村金融排斥的区域差异与影响因素---基于省际数据的实证分析[J].农业技术经济,2011(04):93-102.
[8]冯林,罗怀敬,李文正,等.县域金融集聚影响因素研究---基于空间杜宾模型和山东省县域数据的实证[J].农业技术经济,2016(06):113-122.