农村金融服务覆盖深度的测度与比较——基于中国家庭的经验数据  

Measure and Comparison of the Coverage of Rural Financial Services——Based on the Chinese Family Data

作　　者：罗宏斌[1] 杨畅[2] 

机构地区：[1]湖南大学经济与贸易学院,湖南长沙410079 [2]湖南大学金融与统计学院,湖南长沙410079

出　　处：《广州大学学报（社会科学版）》2015年第11期50-55,共6页Journal of Guangzhou University:Social Science Edition

基　　金：国家自然科学基金(71273084)

摘　　要：随着农村金融体系的逐步构建和完善,认识农村金融服务的覆盖现状显得尤为必要。基于金融覆盖理论,选取2010年中国家庭追踪调查(CFPS)的农户数据,用参与金融服务客户的多维贫困分布来衡量覆盖深度,客户贫困程度越高,服务覆盖深度越大。测度和比较农村的贷款、存款和投资服务的覆盖深度发现:农村贷款服务覆盖深度超过存款和投资服务;贷款服务完全覆盖到农村贫困户,存款和投资服务部分覆盖到农村贫困户;贫困户贷款主要来自民间借贷,贫困户在一定程度上仍然被银行、农信社等正规金融机构排斥在外。With the gradual construction and promotion of the rural financial system, it is necessary to understand the present coverage of rural financial services. Based on the theoretical framework of the financial coverage, and based on the rural family data of 2010 from Chinese Family Panel Studies （ CFPS）, this article measures the outreach depth by analyzing the multidimensional poverty distribution. It finds where the consumers using financial service are poorer, the financial service has a bigger coverage. After measuring and comparing the coverage depth of credit, deposit and investment in the rural area, this research finds that the rural loan service coverage exceeds the deposit and investment services; the loan service has outreached to the poor rural households, and that the deposit and investment services have partially covered the poor families; that the loans for the poor families mainly come from the folk lending, and that to some extent, the poor families are excluded from the financial institutions like banks and rural credit agents.

关 键 词：金融服务 覆盖深度 多维贫困 农村家庭 贫困户 贷款 投资 

分 类 号：F83[经济管理—金融学]