农村普惠金融发展水平与影响因素研究——基于西部六省的实证分析

Research on the Financial Development Level and Influencing Factors of Rural Inclusive Finance— An Empirical Analysis of the Six Provinces in Western China

文章从农村金融机构的设置比例和市场份额、农村金融服务的覆盖率和使用情况四个维度,对西部六个省份2009-2014年的农村普惠金融发展水平进行测度。在此基础上使用面板数据模型进行回归分析,揭示交通便利程度、信息技术水平、政府扶持力度和第一产业发展水平对西部六省农村普惠金融发展整体水平的影响。最后,从加快农村互联网基础设施建设、农村金融机构创新、加大政策扶持力度、推进农村现代化进程等方面,对农村普惠金融的发展提出建议。

This paper chooses the ratio of establishment and the market share of rural financial institution, coverage and use of rural financial services as four dimensions to measure the level of rural financial development in the six western provinces from 2009 to 2014. Based on the measurement results, this paper uses the panel data regression model to analyze the impacts of the degree of traffic convenience, the level of communication technology, the government support and the development of the primary industry on the overall level of rural inclusive financial development in western China. At last, this paper puts forward some suggestions, which include accelerating rural internet infrastructure construction, innovating rural financial institutions, increasing policy support and promoting rural modernization to promote the development of rural inclusive finance.