农村金融供给、主发起行跨区经营与村镇银行网点数量——基于中国865家村镇银行数据的实证分析

The Supply of Rural Finance,Cross-regional Business of Main Promoters and the Number of Outlets of Village Banks:An Empirical Analysis based on Data Collected from 865 Village Banks in China

本文针对村镇银行网点的重要性和中国各村镇银行网点设置数量的差异,从农村金融供给和主发起行跨区经营相结合的视角,构建解释村镇银行网点数量决定机制的概念框架,并基于概念框架的逻辑推论,形成研究假说,进而利用村镇银行发展定位和经营范围由政策统一确立,网点类型单一的独特样本条件,运用865家村镇银行的数据,对研究假说进行了实证检验。结果表明:村镇银行网点数量与所在地区农村金融供给水平呈负向关系,与主发起行跨区经营决策及其经营能力呈正向关系。本文据此进一步提出了政策建议。

From the perspectives of rural financial supply and cross-regional operation of the main promoters in establishing village banks, this article constructs a conceptual fi＇amework to explain the difference in the number of outlets of village banks in China and establishes hypotheses. In addition, the study uses the data collected from 865 village banks to test the hypotheses. Since the development orientation and operating scope of village banks are modified by the policy, one single type of the outlets can be observed, which makes the sample unique. The results show that the number of the outlets of village banks is negatively related to the level of rural financial supply in a region, and positively related to the main shareholders＇ cross-regional operation decisions and their management capacity. The study concludes with policy recommendations.