农村金融对农村经济增长的影响——基于河南省1985～2014年数据的实证分析

Rural Finance'Influence on Rural Economic Growth——An Empirical Study Based on the data of Henan Province from 1985 to 2014

利用VAR模型并选取河南省1985~2014年数据对农村金融与农村经济关系的研究结果表明：农村金融发展的规模和结构在农村经济增长中起到显著促进作用,金融发展效率的影响不显著,但农村经济增长是农村金融效率提高的原因,这种“需求遵从”以及农村资金的外流阻碍了农村金融与经济增长的促进作用。为了提高农村金融对农村经济增长的推动力,应在普惠金融的理念下深化农村金融体制改革,积极发挥政策金融的作用,引导商业银行拓展支农业务,并建立对农村金融资金的反哺回流机制。

VAR model was used to explore the influence of rural finance on rural economic growthin this paper. The author chooses series data of Henan Province from 1985-2014 to analysis. It showsthat： the size and structure of rural financial development has played a significant role in promotingthe rural economic growth, and the impact of financial development efficiency was not significant.But rural economic growth is indeed the cause of rural financial efficiency, this ＂demand compliance＂and the outflow of rural funds have hindered the mutual promotion between rural financial andeconomic growth. In order to improve the driving force of rural finance to rural economic growthshould be to deepen the reform of rural financial system under the concept of inclusive financial,actively play the role of financial policy, guide commercial banks to expand credit for agriculture,and the establishment of the financial funds for rural feeding back mechanism.