山东农村普惠金融发展的量化评估与提升策略

Quantitative Evaluation and Promotion Strategy of Rural Inclusive Finance Development in Shandong Province

农村普惠金融对于解决农村地区的金融需求,促进农村经济发展具有重要意义。在构建山东农村普惠金融发展评价指标体系的基础上,基于2010—2021年山东省统计数据,利用变异系数法测算了山东农村普惠金融发展水平,采用灰色关联分析法明晰了山东农村普惠金融发展的主要影响因素。研究结果表明:山东农村普惠金融发展水平逐年上升,仍存在提升空间;农村居民可支配收入是影响山东农村普惠金融发展的关键因素,农业发展水平、政府财政支农力度、互联网普及率、农村居民金融素养与城镇化率是影响山东农村普惠金融发展的重要因素。为进一步促进农村普惠金融的发展,政府应继续加强对“三农”的支持,金融机构应不断开发适合农户需求的金融产品并提升服务能力,农村居民需不断提升自身金融素养并积极参与普惠金融。

Rural inclusive finance is of great significance to solve the financial needs of rural areas and promote the development of rural economy.On the basis of constructing the evaluation index system of rural inclusive finance development in Shandong Province,the coefficient of variation method was used to measure the development level of rural inclusive finance and the main influencing factors of the development of rural inclusive finance were clarified by the grey correlation analysis method based on the data of Shandong Province from 2010 to 2021.The results show that the development level of rural inclusive finance in Shandong province has increased year by year,and there is still room for improvement;The disposable income of rural residents is the key factor affecting the development of rural inclusive finance in Shandong province.The level of agricultural development,the government's financial support for agriculture,the Internet penetration rate,the financial literacy of rural residents and the urbanization rate are the important factors affecting the development of rural inclusive finance in Shandong Province.In order to further promote the development of inclusive finance in rural areas,the government should continue to strengthen its support for agriculture,rural areas and farmers,financial institutions should continuously develop products that meet the needs of farmers and improve their service capabilities,and rural residents should constantly improve their financial literacy and actively participate in inclusive finance.