中国农村金融的包容性及影响因素  

A Study on China's Rural Financial Inclusive Index and Its Influencing Factors

作　　者：周天芸 刘虹[2] 杨海洋 ZHOU Tianyun;LIU Hong;YANG Haiyang(International School of Business ＆ Finance,SUN Yat-sen University,Guangzhou 510275,China;Lingnan College,SUN Yat-sen University,Guangzhou 510275,China;Assets Custody Department,Guangzhou Rural Commercial Bank,Guangzhou 510623,China)

机构地区：[1]中山大学国际金融学院,广东广州510275 [2]中山大学岭南学院,广东广州510275 [3]广州农村商业银行资产托管部,广东广州510623

出　　处：《财经论丛》2018年第12期55-64,共10页Collected Essays on Finance and Economics

基　　金：国家社科基金项目(17BJY123)

摘　　要：本文以地理渗透、人口渗透、人均贷款额、人均存款额、贷款与人均GDP之比以及存款与人均GDP之比六个维度构建农村金融包容性指数,分析中国农村金融的包容性及其差异特征,并运用2010年中国1694个县域截面数据,实证分析中国农村金融包容性的影响因素。结果表明,中国农村金融包容程度在区域分布上由东至西逐渐减弱,且显著受到人口年龄结构、人口密度、金融意识、就业比例、人均收入和金融基础设施的正向影响;此外,女性占比、政府规管程度也是重要影响因素。The paper constructs and computes China＇s rural financial inclusive index by geographical penetration, population penetration, per capita loan amount, per capita deposits, the ratio of loans to GDP per capita and the ratio of deposits to GDP per capita. Based on the data of 1694 county-level cities in 2010, this paper also conductsan empirical stu@ on the influencing factors of China＇s rural financial inclusion. The results show that China＇s rural financial inclusive indexgradually weakens from theeast to thewest and is significantly attected by the positive impact of population age structure, population density, financial awareness, the proportion of employment, per capita income and financial infrastructure; in addition, the gender ratio and the government regulatory level arealso important influencing factors.

关 键 词：农村金融 金融包容性 影响因素 

分 类 号：F832.1[经济管理—金融学]