农村支付体系建设与农村经济协调发展的研究——基于广西贵港实证

The Research of Rural Payment System Construction and Rural Economic Coordinate Development

支付体系是经济金融体系的重要组成部分,是经济金融运行的基础和条件。农村支付体系的运行直接影响农村金融服务水平,影响农村经济发展。本文通过实证研究,得出结论:农村支付体系的完善、支付效率的提高能够有效地促进农村经济的发展。但是,农村经济与农村支付体系没有形成良性的互动关系,现行农村支付体系建设滞后于农村经济发展,存在政府协调工作不到位、银行机构服务弱化等制约因素。建议从加强政府协调与职能的主导作用、完善支付体系多层次建设、积极推进农村支付工具多样化、鼓励农村金融产品创新等方面促进农村支付体系建设。

The payment system is an important component of economic and financial system,and the basis andcondition of economic and financial operation. Rural payment system directly affects rural financial services and ruraleconomic development. Through empirical study,we find out that rural payment system development and payment effi-ciency exaltation can effectively promote rural economic development. However,current rural payment system con-struction lags behind the development of rural economy. Some Constraints still exist. The article suggests promoting ru-ral payment system construction by strengthening government coordination and leading role,improving the paymentsystem of multilevel construction,actively promoting the diversification of the rural payment tool,encouraging rural fi-nancial product innovation.