农村金融助力乡村振兴——机制分析与效率评价

Rural finance and rural vitalization:mechanism analysis and efficiency evaluation

从乡村振兴“产业兴旺、生态宜居、乡风文明、治理有效、生活富裕”的总要求出发,梳理农村金融助力乡村振兴的理论机制,并基于2011—2018年的面板数据,通过构建农村金融指数和乡村振兴指数开展实证研究。结果表明,研究期内农村金融和乡村振兴持续推进,但整体发展水平低,区域差异显著。面板随机前沿生产函数估计结果显示,农村金融有助于乡村振兴的实现,但农村金融助力乡村振兴的整体效率不高,分布格局与农村金融扶贫格局一致。基于此,提出农村金融要在助力乡村振兴的过程中,做好从精准扶贫到乡村振兴的有效衔接、发挥主体优势、探索新模式的政策建议。

In the present study,the theoretical mechanism of rural finance on rural vitalization was first outlined according to the general requirements(“thriving businesses,pleasant living environments,social etiquette and civility,effective governance and prosperity”)of rural vitalization.Then,the composite indexes of rural finance and rural vitalization were constructed,and the impact of rural finance on rural vitalization was empirically studied based on the panel data from 2011 to 2018.It was shown that the development of rural finance and rural vitalization was improved in the study period,but the overall development level was low with regional differences.As revealed by the results of panel stochastic frontier production function,rural finance could promote the realization of rural vitalization,yet the technical efficiency was not high,and the spatial distribution pattern was consistent with that of financial poverty relief.Based on these findings,suggestions were put forward,such as establishing effective link mechanism between poverty alleviation and rural vitalization,taking full advantage of financing institution,exploring new modes,etc.