福建省农村金融服务水平测度及影响因素实证分析

An Empirical Analysis of the Measurement and Influencing Factors of Rural Financial Service Level in Fujian Province

在借鉴国内外研究成果的基础上,基于福建省九地市相关金融数据,通过金融排斥指数测算,逆向反映出福建省农村金融服务水平.结果显示:福建省金融服务整体处于中等水平,存在地区差异情况,而福建省农村地区的金融服务水平可能比测度的结果更加不容乐观.通过对多重因素进行实证分析,发现福建省九地市的经济发展、乡村就业状况,以及农村居民教育文化娱乐支出都会影响福建省农村金融服务水平.因此,必须通过完善农村金融服务体系、丰富农村金融服务产品、优化农村金融服务环境等举措来提高福建省内农村金融服务水平.

Taking rural financial services in Fujian Province as the research object,using relevant financial data from nine cities in Fujian Province and using exclusion index calculation,the level of rural financial services in Fujian Province is inversely reflected.It is pointed out that the actual situation in rural areas may be more severe than the measured results.Then,an empirical analysis of the influencing factors of rural financial services was conducted,and the following conclusion was drawn:rural financial services in Fujian Province were generally at a moderate level,However,there were regional differences,which were influenced by various factors.To solve the problems in rural financial services in Fujian Province,we should start improving the rural financial service system,enriching rural financial service products,and optimizing the rural financial service environment.