金融排斥对中国县域经济影响研究:实现路径与动态特征  

A Study on the Impact of Financial Exclusion on China's County Economy:Implementation Path and Dynamic Characteristics

作　　者：姚梅洁 康继军[1,2] 华莹 

机构地区：[1]重庆大学经济与工商管理学院,重庆400045 [2]重庆大学能源技术经济研究院,重庆400045 [3]重庆银行,重庆400010

出　　处：《财经研究》2017年第8期96-108,共13页Journal of Finance and Economics

基　　金：国家社会科学基金项目(11XJL001);国家自然科学基金重点项目(71133007)

摘　　要：文章基于2006-2010年2 578个县(市)的大样本数据,从区域角度对我国金融排斥状况进行了全景式考察,分析了金融排斥对当地经济的影响效应及实现路径。研究发现:(1)东部地区金融排斥呈下降趋势,中西部则呈上升趋势,金融资源使用效用性的非均衡发展是导致东部与中西部地区差距扩大的主要原因;(2)金融排斥对县域经济具有显著的负向影响,但金融排斥并非随当地经济增长而必然减少;(3)我国金融排斥逐渐呈现出由"设施缺乏指向"转为"机制缺乏指向"、由"个体特征指向"转为"区域禀赋指向"以及农业产业链前端受金融排斥加重三大特征。文章不仅提供了来自大样本的"中国证据",而且为决策部门综合动态把握金融排斥情况,更有针对性地制定相关政策提供了可靠参考。Based on the large sample data of 2578counties（cities）from 2006 to 2010,this paper conducts a panoramic view of China＇s financial exclusion from a regional perspective,and examines the impact of financial exclusion on the local economy and its realization path.It arrives at the following conclusions：firstly,the financial exclusion in the eastern China experiences a declining trend,and central western China a rising trend;the unbalanced development of the utility of financial resources use is the main reason for the widening gap between eastern China and central western China;secondly,financial exclusion has a significant negative impact on the county economic system,but financial exclusion is not necessarily reducing with local economic growth;thirdly,China＇s financial exclusion has gradually emerged from a sensing of＂a lack of facilities＂to a sensing of＂a lack of mechanism＂,and from ＂individual characteristics sensing＂to ＂regional endowment sensing＂;the forefront of the agricultural industry chain is increasingly affected by the financial exclusion.This paper not only enriches the Chinese evidence from the local large sample,but also provides a reliable reference for the decision-making institutions to grasp the financial exclusion situation and formulate the relevant policies.

关 键 词：金融排斥 县域 经济增长 区域异质性 

分 类 号：F832[经济管理—金融学] F061.5