农村社区型金融机构发展影响因素的实证分析

Empirical analysis on influencing factors of development of rural community financial institutions

由于具有市场、信息、成本、区域等方面的竞争优势,农村社区型金融机构已经成为我国农村金融机构创新的首要途径。虽然自2005年以来我国不断出台相关鼓励政策和措施,但农村社区型金融机构的发展却仍然不尽如人意。为更好地促进其发展,利用向量误差修正模型,首次从定量的角度明确影响农村社区型金融机构发展的现实因素及其影响程度。研究结果表明,财政收入、城乡居民储蓄存款余额及农村居民消费水平对农村社区型金融机构的发展影响最为显著。

Because of the competitive advantages of market, information, cost and region, etc., rural community financial institutions have become the first choice of innovation of rural financial institution in China. Though relevant encouraging policies and measures are constantly issued since 2005, the development of rural community financial institution is still not satisfactory. In order to promote the development of rural community financial institution better, the vector error correction model is applied, and the practical influencing factors and their inflencing degrees of development of rural community financial institution are clarified from quantitative perspective for the first time. The research result shows that the government fiscal income, the savings deposits of urban and rural residents, and the consumption level of rural residents have most important inflences on the development of rural community financial institution.