农村小额贷款公司网点布局及支农成效研究——基于东中西部355家农村小额贷款公司实证分析

A Study of Rural Microcredit Companies' Network Layout and Effectiveness of Supporting Agriculture:A Case Study of 355 Microcredit Companies in Eastern,Middle and Western Areas

新型农村金融机构之一的小额贷款公司已成为金融服务体系中的新生力量。基于全国东中西部225个县域355家农村小额贷款公司的样本数据,使用二元Logit模型和多元回归模型实证分析了农村小额贷款公司网点布局的影响因素以及其能否提高农民福利水平。研究发现,农村小额贷款公司在网点布局时主要考虑当地县域金融需求状况、当地县域经济活跃程度和当地金融可持续发展环境等影响自身可持续发展因素,扶持"三农"并非其主要考虑因素;政府行政干预不利于农村小额贷款公司设置网点;农村小额贷款公司设立确实有助于提高农民福利水平。为此,政府应实施政策倾斜,引导小额贷款公司服务"三农",发挥金融扶贫的力量。

Microcredit Company as one of new- type rural institutions has become a new power in the financial service system. This article is based on the sample data of 355 rural microfinance companies in 225 counties of eastern,middle and western areas. Used logit model and multiple regression model to analyze the factors of the rural microfinance company network layout and it whether can improve farmers＇ welfare level. The result show thatrural microfinance company in distribution network mainly consider the local county financial demand,local county economy activity and local financial environment for sustainable development which factors is affecting rural microfinance company sustainable development. Supporting the ＂agriculture,rural areas and farmers＂is not the main consideration forrural microfinance company. Government administrative intervention against rural microfinance company to set up branches. Rural microfinance companies can improve farmers ＇ welfare level. Therefore,the government should implement policy tilt,guide the microfinance company to service ＂agriculture,rural areas and farmers＂and exert the power of financial poverty- aid.