欠发达地区农村金融生态评估与分析:以贵州为例

The Assessment and Analysis of Rural Financial Ecology in Less-developed Areas——Based on Guizhou

运用因子分析法对贵州省88个县(市、区)农村金融生态水平进行评估,对金融生态中经济环境、社会信用、市场环境、金融服务四个方面的构成要素进行了区分和拟合。根据评估结果,发现当前欠发达地区农村金融生态具有3个方面的特征:经济环境是决定农村金融服务深度的主要因素;社会信用是改善农村金融生态的首要步骤;农村金融生态具有马太效应。

The paper analyzes the financial ecology of 88 counties in Guizhou based on factor analysis, making a distinction and generalization on the four aspects in financial ecology： economic environment , social credits market environment and financial services. According to the results, three characteristics about the rural financial ecology appearing in less - developed areas are ： economic environment is a key factor determining the depth of financial services in rural areas , social credit is a primary step improving financial ecology, and rural financial ecology has Matthew Effect.