农村小微金融便利店满足农户金融服务需求情况的研究——基于台州农村商业银行的试点探索

Satisfaction Situation of Farmers' Financial Service Demands for Rural Micro Financial Convenience Store——Based on the Pilot exploration of Taizhou Rural Commercial Bank

农村商业银行设立和发展农村小微金融便利店,有助于满足农户的金融服务需求。基于此背景,依据对浙江省台州市农户的调查情况,运用有序Probit模型对农村小微金融便利店满足农户金融服务需求情况及影响因素进行实证研究。结果表明,年龄、决策便利程度、渠道便利程度、交易便利程度与农户金融需求满足程度呈显著正相关;受教育程度、家庭年收入与农户金融需求满足程度呈显著负相关。对此,从农户和银行两个层面提出建议,以期对金融便利店发展产生积极影响。

The establishment and development of rural micro financial convenience stores by rural commercial banks will help to meet the financial service demands of farmers. Under this background,based on the survey of the farmers from Taizhou,Zhejiang Province,we used ordered probit Model to empirically analyze the satisfaction situation of farmers＇ financial service demands for Rural Micro Financial Convenience Store and their influencing factors. The results showed that there was a significant positive correlation between age,degree of decision convenience,degree of access convenience,degree of transaction convenience and the satisfaction degree of the farmers＇ financial demands; there was a significant negative correlation between educational background,annual household income and the satisfaction degree of the farmers＇ financial demands. In this regard,some proposals were offered from the aspects of farmers and banks to promote the development of financial convenience stores.