摘要
减轻金融排除进而构建包容性农村金融体系是实现我国农村经济包容性增长的核心组成部分。根据最新的IFE(金融排除指数),本文使用来自我国1765个县级层面的数据,测算了各个县(市)的金融排除,并经验性地分析了影响农村金融排除的因素。研究表明:(1)东、中、西部农村地区金融排除依次递增;(2)表征社会经济特征的人均收入、就业率、教育水平、商业化程度、城镇化比例、政府对经济发展的支持力度等越高,农村金融排除越低;用城乡收入差距表示的不平等程度越高,农村金融排除度越高;(3)信息技术使用比例越高,农村金融排除越低;(4)中西部地区、少数民族地区更有可能遭受较高的农村金融排除。
Reducing financial exclusion and then building an inclusive financial system in rural areas play a core role in achieving an inclusive growth for rural economy.According to the latest IFE(index of financial exclusion),this paper uses the data from 1765 counties to estimate index of financial exclusion in each county and then empirically analyzes the factors that affected the financial exclusion.The results show that(1) index of financial exclusion ascend among the Eastern,the Central and the Western in rural areas,that(2) higher per capita income,employment,education,commercialization,urbanization ratio,government's support for economic development and so on bring lower index of rural financial exclusion,and higher urban-rural income gap brings higher degree of rural financial exclusion,that(3) higher usage of information technology results in much lower degree of the rural financial exclusion,and that(4)regions in the Western ethnic minority areas are more likely to suffer from a high degree of the rural financial exclusion.
出处
《当代经济科学》
CSSCI
北大核心
2012年第1期58-65,126,共8页
Modern Economic Science
基金
高等学校博士学科点专项科研基金博导类项目<农业保险主体博弈与最优作物保险契约形成机制研究>(20090146110001)
中央高校基本科研业务费专项资金项目<基于主体效用博弈的农业保险契约机制研究>(2009RW003)资助
关键词
农村金融排除
普惠性金融
社会经济特征
信息技术
Rural Financial Exclusion
Financial Inclusion
Social-Economic Characteristics
Information Technology
