金融扶贫、存款外流与农村金融困境  

Financial Poverty Alleviation,Deposit Outflow and Rural Financial Dilemma

作　　者：周天芸 Zhou Tianyun(International School of Business and Finance, Sun Yan-sen University, Guangdong Guangzhou 510275)

机构地区：[1]中山大学国际金融学院,广东广州510275

出　　处：《金融发展研究》2018年第4期74-79,共6页Journal Of Financial Development Research

基　　金：国家社科基金"中国农村普惠金融的现实基础;困境与政策体系研究"(17BJY123)

摘　　要：农村金融发展依赖于存款资金的运用,而存款是农村金融的主要资源,金融扶贫要求不断提高贷存比和涉农贷款比例,本文基于中国县域数据,利用贷存比描述中国农村存款外流的状况,并进一步探究影响农村存款外流的因素,实证结果表明,中国农村普遍存在存款外流现象,中部农村的存款外流较东部和西部更为严重,经济发展水平和工业化水平较低的县域地区存款外流情况较为严重。同时,两类涉农金融机构的金融支持功能不强,一定程度反而加剧农村存款的外流。Based on the data of 2000 counties and using the loan-to-deposit ratio as an indicator,this paper characterizes deposit outflow of China＇s rural area and analyzes its impact factors. This paper finds that deposit outflow problem is popular in China＇s rural area and more serious in the middle part of China. The development of economics and industrialization can ease the problem. Furthermore,two different types of agriculture related financial institutions exacerbate the problem because of unsound financial support. Finally,suggestions are put forward to help solve the problem.

关 键 词：存款外流 贷存比 农村 影响因素 

分 类 号：F830.34[经济管理—金融学]