摘要
笔者采用金融相关比率、收入比、存贷差和存贷比等变量对我国各地区农村金融发展水平进行衡量和分析,结果显示:我国农村金融发展的地区不平衡虽然显著,但与全国总体金融发展相比,地区差距要小得多;农村金融目前仍然处于比较明显的抑制状态,体现了政府的意志;经济发展水平并不是决定农村金融发展的唯一变量,政府因素、传统文化、社会资本等对农村金融的发展均有重要影响。
Making use of the variants of finance - related ratios, income ratio, difference between deposit and loan, loan - to - deposit ratio ete, the authors measure and analyze the level of finaneial development in each rural area of our country. The result shows that compared with the overall financial development of the whole country the regional difference in the t^nancial development in the rural are- as is much smaller though regional disequilibrium is notieable; at present, rural finance is still in an obvious state of restraint, which embodies the will of the government; the level of economic development is not the only variant that decides rural financial development and the government, traditional culture and social capital etc all have important impact on rural financial development.
出处
《经济经纬》
CSSCI
北大核心
2008年第3期95-98,共4页
Economic Survey
基金
南京财经大学课题(C0706)资助
关键词
中国农村金融发展
金融发展指标
地区差距
financial development in China' s rural areas
index of financial development
regional difference