农村金融与农村经济关系的实证研究——基于长春市与四平市的比较分析

The Empirical Research about the Relation of Rural Finance and Rural Economy: Based on the Comparative Analysis of Changchun and Siping

运用长春市和四平市实际数据,利用经典计量经济学模型和方法,实证分析了农村金融对农村经济发展的支持作用。结论显示:农村金融和实际利率与农村经济发展具有负向关系;农村投资和农村居民人均纯收入对农村经济发展的作用在长春市和四平市表现出显著差异。对于距离经济中心较近的农村地区,农民人均纯收入不是衡量农村经济发展的良好指标。农村地区应注重建设本地的商业中心和良好的金融基础设施及提供优质的金融服务,破除农村金融抑制,使农村金融更好地服务于农村经济发展。

This paper uses the actual data from Changchun and Siping and the classical econometric model to the empirical research on the rural financial support for rural economic development.The conclusion shows that： in Changchun and Siping,rural finance and the real interest rate had a negative relationship in rural economic development.However,the impact of rural investment and rural per capita net income on rural economic development has significant difference in the two cities.For the rural areas near economic centers,rural per capita net income is not a good index in assessing rural economic development.Rural areas should pay attention to the construction of local business center and a good financial infrastructure and provide high quality financial services,to break the rural financial repression,thus let rural finance better serve the rural economic development.