农村普惠金融发展水平测度的实证研究

发布时间：2018-12-09 09:33

【摘要】：近年来,随着全面深化改革的不断深入以及一系列普惠金融相关政策文件的出台,我国农村地区普惠金融发展成果显著。但是,农村地区金融服务的排斥现象依然存在,农村地区金融机构营业网点少且分布不平衡,甚至在一些偏远贫困地区依然存在着金融服务空白区,基础性金融服务的可获得性和便利性依然滞后,农民贷款难、贷款贵等问题依然突出,严重阻碍了农村经济的发展,制约了整个金融体系的构建和完善。本文旨在通过构建更加全面完善的普惠金融测评指标体系,为衡量农村普惠金融发展水平提供了科学合理的依据,为农村普惠金融发展水平测度的相关研究提供借鉴和参考,使农村金融体系得到进一步健全和完善,为未来农村普惠金融发展方向提供思路。本文在农村普惠金融发展的相关理论基础上,对国内外农村普惠金融发展水平测度的研究现状进行说明及比较分析,发现国内研究在评价指标体系的构建和测度方法的使用上仍然存在可优化的空间。鉴于此,本文试图从农村普惠金融的渗透度、可获得度、可使用度、可负担度以及社会因素五个维度12个指标构建更加全面完善的农村普惠金融评价指标体系。基于因子分析法测度2012-2014年我国各地区农村普惠金融发展水平,并进一步采用聚类分析法对农村普惠金融的区域差异进行分析,研究发现:第一,我国农村普惠金融发展水平普遍偏低且区域差异明显;第二,我国农村普惠金融发展程度呈东中西梯度形态,东部沿海地区居高,中西部次之;第三,从类型特征上看,省际农村普惠金融发展程度的类型格局与其经济发展水平基本相一致;第四,从时间跨度上看,我国农村普惠金融发展水平正稳步提高,区域差异有逐步缩小趋势。最后,根据实证分析情况进行了相应总结,并提出了科技手段助力、金融产品和服务创新、政策扶持、完善农村信用体系以及金融知识教育等相应具体可行的对策建议。
[Abstract]:In recent years, with the deepening of comprehensive reform and the introduction of a series of policy documents related to inclusive finance, the development of inclusive finance in rural areas of China has achieved remarkable results. However, the exclusion of financial services in rural areas still exists. There are few and uneven branches of financial institutions in rural areas, and even in some remote and poor areas, there are still blank areas for financial services. The availability and convenience of basic financial services are still lagging behind, farmers' loans are difficult, and loans are expensive, which seriously hinder the development of rural economy and restrict the construction and improvement of the entire financial system. The purpose of this paper is to provide a scientific and reasonable basis for measuring the development level of rural inclusive finance by constructing a more comprehensive and perfect index system of inclusive finance evaluation, and to provide reference and reference for the relevant research on the measurement of rural inclusive financial development level. Make the rural financial system further perfect and perfect, and provide the train of thought for the future development direction of rural inclusive finance. Based on the theory of rural inclusive finance development, this paper explains and compares the research status quo of the measurement of rural inclusive finance development level at home and abroad. It is found that there is still room for optimization in the construction of evaluation index system and the use of measurement methods in domestic research. In view of this, this paper attempts to build a more comprehensive evaluation index system of rural inclusive finance from 12 indicators of penetration, accessibility, usability, affordability and social factors. This paper measures the development level of rural inclusive finance in different regions of China from 2012 to 2014 based on factor analysis, and further analyzes the regional differences of rural inclusive finance by cluster analysis. The results are as follows: first, The development level of rural inclusive finance in China is generally low and the regional differences are obvious. Secondly, the development degree of rural inclusive finance in our country shows the gradient of east and west, the eastern coastal area is high, the central and western regions take second place; Thirdly, from the perspective of type characteristics, the type pattern of provincial rural inclusive financial development level is basically consistent with its level of economic development; Fourth, from the perspective of time span, the development level of rural inclusive finance is improving steadily, and regional differences are gradually narrowing. Finally, according to the empirical analysis of the corresponding summary, and put forward the scientific and technological means to help, financial products and services innovation, policy support, improve the rural credit system and financial knowledge education and other relevant specific and feasible countermeasures.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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