农村金融发展水平度量体系构建与实证分析  

Construction of Rural Financial Development Level Measurement System and Its Empirical Analysis

作　　者：付园元 李敬[2] 付陈梅[3] 刘洋[4] 

机构地区：[1]重庆师范大学,重庆400030 [2]重庆社会科学院,重庆400020 [3]重庆理工大学,重庆400037 [4]西南大学,重庆400716

出　　处：《西部论坛》2014年第6期61-68,共8页West Forum

基　　金：国家社会科学基金资助项目(10JY061)"中国农村金融发展的区域差异研究--基于劳动分工视角"

摘　　要：现有度量农村金融发展水平的方法无法直接体现农村金融对"农户""农民"和"农业"的金融支持情况,无法反映农村金融发展的质量和可持续性,也没有考虑不同经济发展阶段农村金融的需求特征。基于农村金融发展的渗透度、方向性和可持续性特征,建立"三位一体""5指标+1因子"的农村金融发展水平复合度量体系,并对各地区农村金融发展水平进行实证评价,结果表明:自2006年以来,中国农村金融发展的总体水平有明显提升,区域差异有缩小的趋势;但农村贷款的投放集中度在提高,获得贷款的农户比例处于下降态势,农村金融"嫌贫爱富"的状况加剧。应兼顾农村金融的可持续性和渗透度,积极推进农村金融与农村产业发展以及现代农业的有机融合。Current measurement methods for rural financial development level can not directly embody the financialsupport situation for “agricultural households”, “peasants” and “agriculture” by rural finance, can not reflect thequality and sustainability of rural financial development and do not consider the demanding features of the ruralfinance at different economic development stages. Based on the features of the penetration, direction andsustainability of rural financial development, this paper sets up a rural financial development level compositemeasurement system with the ＂trinity＂ and ＂five indicators plus one factor＂, and makes an empirical analysis andevaluation on the rural financial development level in each region. The results show that since 2006, the total levelof rural financial development of China is significantly rising and there is a narrowing trend in regional gap.However, the concentration degree for rural loan distribution is rising and the proportion of the agriculturalhouseholds who got the loans demonstrates the descent trend. Furthermore, the situation of rural finance with“preferring the rich but disliking the poor” is intensified. Chinese Government should pay attention to both thesustainability and the penetration in rural finance and actively push forward the organic integration between ruralfinance and rural industrial development as well as modern agriculture.

关 键 词：农村金融 金融渗透度 金融可持续性 农村金融改革 金融服务方向 金融发展水平 价值链金融制度 农村产业发展 

分 类 号：F832.7[经济管理—金融学] F222.39