中国农户受金融排斥状况研究——基于我国8省29县1547户农户的调研数据  

Research on the Financial Exclusion Situation of the Rural Households in China—Based on the Survey Data of 1547 Rural Households from 29 Counties in 8 Provinces

作　　者：王修华[1,2] 傅勇[1,2] 贺小金[1,2] 谭开通[1,2] 

机构地区：[1]湖南大学金融与统计学院,湖南长沙410079 [2]对外经济贸易大学金融学院,北京100029

出　　处：《金融研究》2013年第7期139-152,共14页Journal of Financial Research

基　　金：国家软科学项目(2011GXQ4B006);教育部人文社科基金青年项目(10YJC790261);湖南省自然科学基金(11JJB005);湖南省社科基金(11YBA057);湖南大学985工程"两型社会"建设创新基地;湖南大学青年教师成长计划经费的资助

摘　　要：本文基于微观调研数据,从金融排斥维度和程度两方面分析样本农户在储蓄、信贷两方面受排斥状况,并运用有序Probit模型对影响农户金融排斥的因素进行了实证研究。结果表明:我国农户在储蓄、信贷两个方面均受到不同程度排斥,信贷排斥尤为严重;相对于东部地区农户,中西部地区农户受到更严重的金融排斥;储蓄、信贷两个方面排斥的影响因素既有一定的共性,也存在一些差异。在此基础上,本文提出构建包容性农村金融体系的政策建议来破解农户金融排斥问题。Based on micro - survey data, this paper analyses the rural households＇ financial exclusion condition from dimensions and extent of savings, credit and insurance, and empirically studies the influential factors with the Ordered Probit Model. The results show that rural households are subject to different levels of exclusion in savings, credit and insurance, particularly in credit; rural households in the central and western regions are subject to much severer financial exclusion than that of the eastern region. Some influential factors are in common while others are different. On that Basis, we put forward some suggestions such as building inclusive rural financial system.

关 键 词：金融排斥 影响因素 包容性 有序PROBIT模型 

分 类 号：F832.2[经济管理—金融学] F224