山西农村金融资产及信贷分析

The Rural Financial Assets and Credit in Shanxi Province

根据山西省1989年到2004年的农村金融统计数据,运用SPSS统计分析方法对山西农村金融金融资产及信贷进行了分析。分析得出山西农村金融发展很快,山西农村金融资产总量是山西农村金融发展的表征,但金融发展内部结构不合理,主要表现在存贷款结构上;通过对农村信贷效益指标、农村信贷结构指标、信贷支持偏好指标的分析得出、山西农村金融发展水平不高、结构不合理,存在金融抑制现象。

According to the rural financial statistic data from 1989 to 2004 of Shanxi and through the statistical analysis and the relative software, SPSS(Version 13.2),this paper analyzes Shanxi rural financial assets and the credit.It concludes that the development of Shanxi rural financial development is fairly fast with the symbol of the total amount of Shanxi rural financial assets.But the internal structure of financial development is not so rational with the main symptom,the ratio of deposit and loan.This paper,through analysis of the index of rural credit income,rural credit structure and credit support inclination,puts forth that the development level of Shanxi rural finance is not so high,its structure is not very rational and the financial repression exists.