金融“新政”视角下农村非正规金融发展水平收敛性研究

Research on the Convergence of the Level of Rural Informal Financial Development Based on the Perspective of New Financial Policy

本文采用参数和非参数模型对2004年金融"新政"实施以来,中国农村非正规金融发展水平收敛性进行实证分析。结果表明,2004～2010年不同区域农村非正规金融发展呈现不同的收敛态势;中国农村非正规金融发展差距主要是由区域之间农村非正规金融发展差距引起;而各区域农村经济发展水平不均衡、农村正规金融发展水平差异过大是导致农村非正规金融发展差距扩大的重要原因。文章就此提出了相关对策建议。

This paper analyzed the convergence of rural informal financial development using the parametric and non -parametric model since implementation the new financial Policy of 2004. The results show that the rural informal financial development rendered different trend of convergence in Different region in 2004 - 2010. The gap of rural Informal financial development is Mainly caused by the gap between regions;and the unbalanced economic development in regional rural areas and oversized gap of formal financial development are important factor of the imbalance development of rural informal financial. At last some relevant recommendations are put forward for the above - mentioned problems.