县域金融支持全面小康社会建设路径分析

A logical Correlation Analysis of County-level Financial Development and the Construction of an Overall Well-off Society in Qinghai Province

本文基于金融结构理论,从组织体系、信贷规模、重点客体、工具产品及技术运用框架视角分析了青海省县域金融支持全面小康社会建设的实践路径,通过建立面板向量自回归模型(PVAR模型)实证检验了2010-2019年县域金融发展与全面小康社会建设之间的量化关联。研究发现:2010年以来,青海县域金融组织体系逐步健全、信贷规模持续增长、服务重点群体能力显著提升、产品创新和技术转型稳步推进;县域金融发展对人均GDP、城乡居民人均收入存在明显的正向促进作用,是全面小康社会建设的重要支撑。建议深化县域金融供给侧结构性改革,大力发展普惠金融,加强金融风险防控。

Based on the theory of financial structure,this paper analyzes the practical path of county-level finance supporting the construction of a well-off society in an all-round way from the perspective of organizational system,credit scale,key objects,tool products and technology application framework,this paper empirically tests the quantitative relationship between the development of county finance and the construction of overall well-off society in 2010-2019 by establishing the panel Vector autoregression model(PVAR model).The results show that:Since 2010,the county financial organization system has been perfect,the credit scale has been increasing,the ability of serving key groups has been improved,and the product innovation and technology transformation have been advancing steadily The development of county finance has positive effect on per capita GDP and per capita income of urban and rural residents,which is the important support of building a well-off society.It is suggested to deepen the structural reform of financial supply side in county areas,vigorously develop Pratt&Whitney Finance and strengthen financial risk prevention and control.