我国农村金融包容的区域差异与影响要素解析

The Regional Differences and Affecting Factors of Financial Inclusion in Rural China

金融包容是金融排斥理念的拓展与深化。从金融包容的角度,选取我国31个省、区、市(不含港澳台地区)的农村地区为研究对象,从农户、企业、区域三个层面选取指标,构建农村金融包容综合指数,反映不同区域农村金融包容的区域差异全貌。在此基础上,从需求、供给及社会三个层面筛选农村金融包容的影响要素,并利用模糊曲线法验证各要素对农村金融包容的贡献弹性,有效解决要素间的复杂相关和互为因果关系,从而界定我国农村金融包容的关键影响要素。结合国外经验和实证分析结果,提出我国农村金融包容的对策包括各区域经济、金融、社会的协调,城乡金融协调以及区际金融协调。

Financial inclusion is a profuse concept compared with financial exclusion. New research of financial inclusion lacks of thorough study on rural areas, while china is an interesting case because of its financial dualism. From a new perspective, the author compares financial inclusion in rural areas of 31 provinces in china and establishes a comprehensive index system which represents regional differ- ence of financial inclusion in rural China. There＇ s likelihood that individuals, households, enterprises and regions all may be included. The affecting factors of financial inclusion include demand factors, supply factors and societal factors which are interactive, non-linear and have different elasticity. En- hancing the financial inclusion in rural China is to promote harmonious development of economy, fi- nance and society, to promote coordinated finance of urban and rural areas, and to promote inter-re- gional coordination.