农村信用社金融服务水平影响因素研究--基于县域经济差异视角  

Based on the Perspective of County Economy Difference to Analysis the Local Financial Service Level and Its Influencing Factors——An Example on Shaanxi Rural Credit Cooperatives

作　　者：王文莉[1] 张娜[1] 高铭[2] 

机构地区：[1]西安理工大学经济与管理学院,陕西西安710054 [2]北京银行西安分行,陕西西安710075

出　　处：《未来与发展》2016年第11期87-93,共7页Future and Development

基　　金：国家社会科学基金项目“公司治理视角下的农村信用社服务能力提升策略研究”(14BJY104)

摘　　要：本文选取陕西2010-2014年35个县域农村信用社为样本,对县域经济发展水平差异下农村信用社金融服务水平影响因素进行研究。首先利用因子—聚类分析法将县域经济发展水平划分为发达、较发达和欠发达三类,之后建立面板数据模型,根据实证结果分析县域经济差异下农村信用社金融服务水平的影响因素。结果发现:不同发展水平县域农村信用社金融服务水平差异较大,这是农民人均收入、就业水平以及城镇化水平对金融服务的需求因素以及农村信用社自身的供给因素共同作用的结果。Selected the Shaanxi rural credit cooperatives in 35 countries from 2007 to 2011 as sample; it was used to investigate the local financial service level and its influencing factors under the difference of the county economy. Using the panel data model, and the rural credit cooperatives for example, from the perspective of effective supply in rural credit cooperatives,the article comparative analysis the rural credit cooperatives financial service level in the different economic development level, obtaining the local financial service level and its influencing factors under the differences of the county economy. It is found that the local financial service level under different county economy level is relatively large, this is service demand factors, which include rural per capita income、employment、the urbanization level, and supply factors of local financial institutions joint action＇s consequence.

关 键 词：金融服务水平 县域经济发展 农村信用社 

分 类 号：F832.3[经济管理—金融学]