农村金融服务水平评价及影响因素研究——以黑龙江省为例

Evaluation of Rural Financial Service Level and Its Influencing Factors——Take Heilongjiang Province as an example

提升农村金融服务水平是我国农村金融改革的关键。基于黑龙江省13个地区2011-2015年面板数据,基于Malmquist全要素生产率指数分析评价了黑龙江省农村金融服务水平。在此基础上,又进一步利用时间固定效应模型从宏观、中观、微观三个方面分析了影响黑龙江省农村金融服务水平的因素。研究表明:地区经济发展、交通便利度、保险服务水平、农民受教育程度对农村金融服务水平有显著的正向影响;就业水平、农村金融机构覆盖程度、涉农贷款余额占比是农村金融水平的重要影响因素。

Improving the level of rural financial services is the key to rural financial reform in China.Based on the panel data of 2011-2015 in 13 regions of Heilongjiang Province,this paper evaluates the level of rural financial services in Heilongjiang Province based on the analysis of Malmquist's total factor productivity index.On this basis,we further use the time fixed effect model to analyze the factors that affect the level of rural financial service in Heilongjiang Province from macro,meso,and micro perspectives.The results show that:the level of employment,the coverage of rural financial institutions and the proportion of the loan-related loans in rural areas are the level of rural financial level,because of the regional economic development,transportation convenience,insurance service level and farmer's educational level.The important influence factors.