中国农村金融排斥的省际差异及其影响因素  

An Empirical Research on Regional Differences of Financial Exclusion in Rural Areas of China

作　　者：胡宗义[1] 袁亮[1] 刘亦文[1] 

机构地区：[1]湖南大学金融与统计学院,湖南长沙410079

出　　处：《山西财经大学学报》2012年第8期51-60,共10页Journal of Shanxi University of Finance and Economics

基　　金：教育部"新世纪优秀人才支持计划"项目(NCET-09-0329);国家社会科学基金重点项目(12AJL007);高等学校博士学科点专项科研基金项目(20100161110030);湖南省社会科学基金项目(11YBA006);湖南省自然科学基金项目(S2011J50431510)

摘　　要：首先,在阐述金融排斥定义的基础上提出了我国农村金融排斥省际差异研究的问题,并对国内外相关研究进行了综述,发现以往对农村金融排斥的研究多从定性角度进行理论阐述或者利用调查问卷进行理论总结。接着,选取1995～2009年的相关数据,利用主成分分析法对我国29个省市区的农村金融排斥进行了综合评价,得出了我国各地区农村金融排斥的定量表示。最后,利用系统GMM方法建立了29个省市区农村金融排斥影响因素的动态面板数据模型,指出前一期金融排斥水平、农村人口总数、农村教育水平、地区地理特征对我国农村金融排斥影响显著。By reviewing the research at home and abroad,the autors find that most of the previous research on financial exclusion in rural areas state theory from the qualitative angle or summarize theory through questionnaire survey.Financial exclusions in rural of 29 provinces in China are evaluated by using the data from 1995 to 2009 and the method of principal component analysis.Then the quantitative said of financial exclusion in rural areas across china is obtained.Dynamic panel data model of the factor that influence financial exclusion in rural areas is built by using the method of GMM.Point out that financial exclusion level of the last period,rural population,rural education level and regional geography characteristics have a great influence on financial exclusion in rural areas.At the last,a couple of policy proposal are proposed.

关 键 词：金融排斥 二元经济结构 动态面板数据模型 

分 类 号：F832.1[经济管理—金融学]