农村金融市场竞争与农民合作社发展——基于全国县域面板数据  

Rural Financial Market Competition and the Development of Farmer Cooperatives:Based on National County Panel Data

作　　者：苏小松 吕惠明[3] 王娟[4] SU Xiaosong;Lü Huiming;WANG Juan(School of Econormics,Sichuan University of Science&Enginering.Zigong 643000,China;Research Center of Indutrial Tranformation and Innovation,Zigong 643000,China;Business School,Ningbo Uniersity,Ningbo 315211,China;School of Public Adrinistration,Hunan Uniersity.Changsha 40000,China)

机构地区：[1]四川轻化工大学经济学院,四川自贡643000 [2]自贡市产业转型与创新研究中心,四川自贡643000 [3]宁波大学商学院,浙江宁波315211 [4]湖南大学公共管理学院,湖南长沙410000

出　　处：《中国软科学》2022年第7期151-160,共10页China Soft Science

基　　金：国家社会科学基金青年项目“农村金融服务乡村振兴提质增效的对接机制与改革路径研究”(19CJY032)。

摘　　要：农村金融是支持农民合作社发展的重要因素。通过整理天眼查等关于农民合作社和银行网点的信息,得到全国县域面板数据,使用双向固定效应模型检验农村金融市场竞争对农民合作社发展的影响机制,发现农村金融市场竞争会提高合作社发展速度、缩小合作社发展的规模差距,但对合作社发展规模的影响不显著。在进行工具变量回归和稳健性检验之后,结论仍然成立。因此,提出农村金融政策应着力改善农村金融监管以促进竞争来支持合作社发展的建议。Rural finance is the important factor in supporting the development of farmer cooperatives. In this paper, we obtain the national county panel data by sort the information about farmer cooperatives and bank outlets from the Tianyancha etc., and use the two-way fixed effect model to examine the influence mechanism of rural financial market competition on the development of farmer cooperatives, and find that the competition in the rural financial market will improve the development speed of cooperatives, and narrow the gap of the scale of cooperative development, but exerts insignificant impact on the scale of cooperative development. After the IV regression and robustness test, the conclusion is still valid. Therefore, rural financial policies should focus on improving rural financial supervision to promote competition to support the development of cooperatives.

关 键 词：农村金融市场竞争 农民专业合作社发展 HHI 金融创新 

分 类 号：F832.5[经济管理—金融学]