农村金融供需环境对农民资金互助社发展的影响分析——基于结构方程模型的实证研究

The Influences of the Supply and Demand of Rural Finance on the Development of Farmers' Mutual Fund Cooperatives——Based on a Structural Equation Model

农民资金互助社产生于农村金融供需严重失衡的背景下,其作为一种内生于民间、具有合作性质的新型农村金融组织,有效弥补了商业性金融机构的不足。本文以江苏省196个村级调查问卷为样本,基于结构方程模型,以资金互助社发展前景为内生潜变量,以农村金融供给和需求环境为外生潜变量,研究了农村金融供给和需求环境对农民资金互助社发展的影响。研究结果表明,相比农村金融需求环境,农村金融供给环境是农民资金互助社发展的显著影响因素。因此,在当下农村金融供给仍然不足的环境下,农民资金互助社还有很大的生存发展空间,应从各方面加大对农民资金互助社的培育力度。

Based on a structural equation model, this paper studies the influences of the supply and demand of rural finance on the development of farmers＇ mutual funck cooperatives with 196 samples of village-level cooperatives in Jiangsu province. The results show that the supply of rural finance has more significant influences to a certain extent on farmers＇ mutual fund cooperatives relative to the demand of rural finance. Therefore, in the current short supply of rural finance, farmers＇ mutual fund cooperatives have more space to develop and should be cultivated straightly in several aspects