CAJ | 학술논문

以全国29个省（市、自治区）2002-2011年的数据为基础，利用泰尔指数方法衡量了我国东、中、西三大区域的农村金融发展差异，并在此基础上运用面板数据模型，从区位发展因素、经济发展因素、政治因素和市场因素四个方面定量分析了影响差异形成的因素。研究表明：我国农村金融发展程度的地区差异显著，且区域内差异对总差异贡献较大；地区教育水平、地区商品交易效率、地区信息化水平、地区政策支持和金融市场交易效率对金融相关比率均有显著的正向影响，受农业的弱质性和农业资金外流的影响，地区经济发展水平对金融发展有微弱的反向作用；上一期的农村金融发展水平对本期的农村金融发展影响非常显著，这表明农村金融区域发展差异存在扩大的迹象。
이전국29개성（시、자치구）2002-2011년적수거위기출，이용태이지수방법형량료아국동、중、서삼대구역적농촌금융발전차이，병재차기출상운용면판수거모형，종구위발전인소、경제발전인소、정치인소화시장인소사개방면정량분석료영향차이형성적인소。연구표명：아국농촌금융발전정도적지구차이현저，차구역내차이대총차이공헌교대；지구교육수평、지구상품교역효솔、지구신식화수평、지구정책지지화금융시장교역효솔대금융상관비솔균유현저적정향영향，수농업적약질성화농업자금외류적영향，지구경제발전수평대금융발전유미약적반향작용；상일기적농촌금융발전수평대본기적농촌금융발전영향비상현저，저표명농촌금융구역발전차이존재확대적적상。
Based on panel data of 29 provinces (municipalities and autonomous regions)from 2002 -2011,it measures quantitatively the rural finance development differences in China's eastern,central and West regions using the Theil index,and investigates its influencing factors using the quantitative analysis of panel data model.The results show that there is widespread differences of regional development in ru-ral finance in China,and differences within the region accounts for the major part of the difference;Mo-netary Ratio and Explanatory variables (including regional education level,regional commodity trading efficiency,regional informatization level,regional policy support and the efficiency of financial market transactions)are significantly affected,and for the influence of agricultural capital outflows and weak re-gional economic development,the level of financial development has a weak reverse effect;The rural fi-nancial development level of last period has a positive impact on the rural financial development level of current period,which suggests that differences of regional development in rural finance shows expansion signs.