农村金融生态环境与新型农村金融机构脆弱性

The Fragility of Rural Financial Ecological Environment and New-type Rural Financial Institutions’ Based on SEM Analysis

农村金融生态环境是新型农村金融机构生存和发展的环境基础。为了深入揭示农村金融生态环境对新型农村金融机构脆弱性的影响程度,在分析农村金融生态环境属性构成基础上,构建了农村金融生态环境与新型农村金融机构脆弱性的关系模型,并在问卷调查基础上运用结构方程模型进行实证检验,研究结果表明:除了农村法律环境的影响假设未得到支持外,农村经济环境、农村金融环境、农村政策环境和农村信用环境在降低新型农村金融机构脆弱性方面有显著正向影响。

Rural financial ecological environment provides the basis for the existence and development of new-type rural financial institutions. In order to reveal how much the rural financial ecological environment has influenced the fragility of new-type rural financial institutions this paper, based on an analysis of the components of rural financial ecological environment, constructs a relation model between the rural financial ecological environment and the new-type rural financial Institutions＇ fragility. SEM is used to analyze the questionnaires. The result proves that rural financial ecological environment consists of five parts： except rural legal environment, rural economic environment, rural financial environment, rural policy environment, rural legal environment and rural credit environment all have a significant positive effect on New-type rural financial Institutions＇ fragility.