农户金融资产：增长、结构变迁与形成机理

Farmer's Financial Assets:the Increase,Structure Change & Forming Mechanism

文章首先引入农村邮政储蓄存款,修正了农村储蓄存款总量,并运用农村住户调查的农户现金收支资料,改进了农户手持现金总量的测算方法;其次,计算了20世纪90年代以来全国农户金融资产的总量、结构与增长速度,并做了省际间及地区间的对比研究,还初步分析了地区差异水平与成因;再次,通过多元线性回归分析方法测算了影响农户金融资产增长的主要原因及影响程度;最后,提出深化农村金融体制改革、调整农村金融产品品种、优化农村金融发展外部环境等政策建议。

This article first introduces the concept of rural postal savings to amend the total amount of the rural savings, and the farmer＇s cash receipt and payment data to improve the computing methods concerning the total amount of the farmer＇ s cash on hand ; Second, the total amount of the farmer＇ s financial assets, structure and increase speed all over the country are figured out since 1990. Furthermore, the comparison between provinces and areas are presented with the explanation of the level of differences as well as reasons. Third, the factors that affect farmer＇ s financial assets increase and to what degree they would affect are explained based on the multiple linear-regression analysis; Fourth, Strategies and suggestions are provided with respect to rural financial system, the adjustment of the rural financial products＇ varieties and the improvement of rural financial development environment. Finally, the summary of this article is made, and the research limitations are also included.