农村普惠金融与农村经济增长联动关系分析——基于乡村振兴战略视角

Analysis of the Linkage relationship between Rural inclusive Finance and Rural Economic growth:-Based on the Strategic Perspective of Rural Revitalization

在构建农村普惠金融体系,计算出2006—2016年各年农村普惠金融指数的基础上,分别从总体和各个指标上检验农村普惠金融发展与农村经济增长之间的联动关系。检验结果表明,农村经济发展到一定时期,能够从长期显著促进农村经济的增长;而农村普惠金融的发展,短期内对农村经济作用十分显著,长期内虽正相关,但作用并不十分显著。从农村普惠金融各个指标来看,金融机构数量与农村经济显著负相关,而金融机构从业人员、农户贷款数额、农业保险额与农村经济增长显著正相关,但农村企业贷款额对农村经济增长影响并不明显。

In the construction of rural inclusive financial system,On the basis of calculating the rural inclusive financial index from 2006 to 2016,the linkage relationship between rural inclusive financial development and rural economic growth is tested from the overall and various indicators.The test results show that the development of rural economy to a certain period of time can significantly promote the growth of rural economy in the long run.The development of rural inclusive finance plays a very significant role in the rural economy in the short term,although it is positively correlated in the long run,but the role is not very significant.According to the indicators of rural inclusive finance,the number of financial institutions is negatively correlated with the rural economy,while the number of employees of financial institutions,the amount of farmers’loans and the amount of agricultural insurance are significantly positively correlated with the growth of rural economy.However,the impact of rural enterprise loans on rural economic growth is not obvious.