我国农村金融包容性发展水平的测度及影响因素研究

发布时间：2018-03-30 00:26

本文选题：农村金融包容指数　切入点：变异系数法　出处：《湖南大学》2014年硕士论文

【摘要】：随着我国农村金融体制改革的深入推进，我国农村地区金融发展取得了长足的进步。截止2011年底，全国已有10个省份实现了乡镇金融服务机构全覆盖，30个省份实现了乡镇基础金融服务全覆盖；多种类型金融机构分工明确、相互协作补充的农村金融组织体系架构已经初步形成，农村储蓄服务基本得到满足，多层次的信贷市场逐步形成。但我国金融发展过程中表现出典型的“二元结构”特征，农村金融发展极其滞后，并且当前我国农村金融发展主要表现为“金融深度”的发展，而“金融宽度”却没有相应的提升，金融“不包容”现象仍然比较突出。如何提升我国农村金融包容包容性发展水平，使全体农民全过程、全方位获取金融服务，是我国农村金融体系建设重要目标，，也是贯穿包容性增长理念的关键环节。本文首先简要介绍了金融包容的理论基础，阐述了金融宽度理论、包容性增长理论和金融发展权理论，在此基础上，从农村金融包容的渗透性、可获得性、使用效用性和可负担性四个维度构建我国农村金融包容水平的评价指标体系，根据欧式距离方法确定维度测算值，采取变异系数法确定维度的指标权重，然后构建农村金融包容指数并对我国2006年——2011年农村金融包容状况进行评价，结果显示，当前我国农村金融包容程度普遍较低。进一步采取聚类分析法对农村金融包容的省域差异进行分析，可以看出，我国农村金融包容呈现出典型金字塔状，东部沿海地区省份农村金融包容性发展水平程度相对较高，而广大中西部省份农村金融包容性发展水平仍然较低。其次，以构建的农村金融包容指数为被解释变量，从供给诱导、需求引致和社会环境三个层面建立农村金融包容影响因素的模型，利用省际动态面板数据，采用固定效应面板回归方法进行估计，找出农村金融包容的关键影响因素，从而为提升农村金融包容性发展水平的针对性对策奠定基础。最后，本文认为，要提升我国农村金融包容性发展水平，关键是要解决好金融机构参与农村金融市场的积极性、可持续性问题。对政府而言，应充分发挥引导者和监管者的角色，为提升农村金融包容水平提供良好的生态环境和政策环境。
[Abstract]:With the deepening reform of the rural financial system in China, great progress has been made in the financial development of rural areas in China. By the end of 2011, Ten provinces across the country have achieved full coverage of township financial services institutions, 30 provinces have achieved full coverage of township basic financial services, and many types of financial institutions have a clear division of labor. The system of rural financial organization, which is complementary to each other, has been initially formed, the rural savings service has been basically satisfied, and the multi-level credit market has been gradually formed. However, in the process of financial development in China, there is a typical "dual structure" characteristic. The development of rural finance is extremely backward, and the current development of rural finance in China is mainly manifested in the development of "financial depth", but the "financial width" has not been promoted accordingly. The phenomenon of financial ininclusiveness is still quite prominent. How to improve the inclusive development level of rural finance in China, how to make all farmers obtain financial services in all aspects is an important goal in the construction of rural financial system. It is also a key link in the concept of inclusive growth. This paper first briefly introduces the theoretical basis of financial inclusion, expounds the financial width theory, inclusive growth theory and financial development rights theory, on this basis, from the penetration of rural financial inclusion, accessibility, Using the four dimensions of utility and affordability to construct the evaluation index system of the rural financial inclusion level in China, according to the European distance method to determine the value of the dimension, using the coefficient of variation method to determine the index weight of the dimension. Then we construct the rural financial inclusion index and evaluate the situation of rural financial inclusion from 2006 to 2011. The results show that, At present, the degree of rural financial inclusion is generally low in China. Further analysis of the provincial differences of rural financial inclusion by cluster analysis shows that the rural financial inclusion of our country presents a typical pyramid. The development level of rural financial inclusiveness in eastern coastal provinces is relatively high, while the level of rural financial inclusiveness in the vast central and western provinces is still relatively low. Secondly, taking the rural financial inclusion index as the explanatory variable, the model of the influencing factors of rural financial inclusion is established from three aspects: supply inducement, demand-induced and social environment, and the interprovincial dynamic panel data are used. The fixed effect panel regression method is used to estimate and find out the key influencing factors of rural financial inclusion, so as to lay a foundation for improving the level of rural financial inclusive development. Finally, this paper holds that to improve the inclusive development of rural finance in China, the key is to solve the problem of the enthusiasm and sustainability of financial institutions participating in rural financial market. We should give full play to the role of guide and supervisor, and provide a good ecological environment and policy environment for improving the level of rural financial inclusion.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832

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