新型农村金融机构网点布局及农户信贷可获性研究——以江苏省村镇银行为例  

A Study of New-Type Rural Financial Institutions' Network Layout and the Farmers' Credit Availability——a Case Study of Jiangsu Rural Banks

作　　者：张兵[1] 李丹[1] 

机构地区：[1]南京农业大学金融学院,教授210095

出　　处：《江苏社会科学》2014年第2期256-262,共7页Jiangsu Social Sciences

基　　金：国家社科基金重大项目(项目编号:11&ZD010);中央高校基本科研业务费专项(项目编号:Y0201100270)资助

摘　　要：本文基于江苏省52个县域金融机构以及1202个农户的调研数据,利用Logit和ATE模型以村镇银行为例分析了新型农村金融机构网点布局的影响因素及其对农户信贷可获性的影响。研究结果表明:农村居民人均收入、城镇在岗职工平均工资水平以及存贷款差额是影响村镇银行网点分布的重要因素;第一产业产值也显著影响村镇银行的网点布局,表明江苏省村镇银行网点布局兼顾自身可持续发展和扶农责任;同时,增加新型农村金融机构能够显著提高农户的信贷可获性。Based on the 52 financial institutions and 1202 households of Jiangsu Province survey data, using Logit and ATE model Rural Banks as an example, the present paper analyzes the factors affecting new-type rural institutions' network layout and the effects on farmers' credit availability. The results show that the per capita income of rural residents, urban average wage level of workers in the post as the difference between deposit and lending affect rural banks is an important factor in the distribution network, primary industry also significantly affect the rural bank network layout, indicating that rural banks taking sustainable development and agricultural support into account their responsibilities. At the same time, increasing new-type rural financial institutions can significantly improve farmers' credit availability.

关 键 词：村镇银行 网点布局 信贷可获性 

分 类 号：F832.35[经济管理—金融学] F832.43