CAJ | 학술논문

在目前我国县域城镇化程度呈现明显地区差异的背景下，研究其影响因素的地区差异具有重要意义。利用2010年《中国银行业农村金融服务分布图集》的县域数据，分区域对东中西部县域城镇化的影响因素进行因子分析，提炼出金融发展因子、产业结构因子、财政政策因子、农村金融因子和城乡收入差距因子等五个主成分因子，为构建县域城镇化的理论模型提供参考。同时，比较东中西部地区所提取主成分因子的异同，揭示了金融体系效率在县域城镇化中的地区差异，为政府和金融机构制定县域区域信贷政策提供实证支持。
재목전아국현역성진화정도정현명현지구차이적배경하，연구기영향인소적지구차이구유중요의의。이용2010년《중국은행업농촌금융복무분포도집》적현역수거，분구역대동중서부현역성진화적영향인소진행인자분석，제련출금융발전인자、산업결구인자、재정정책인자、농촌금융인자화성향수입차거인자등오개주성분인자，위구건현역성진화적이론모형제공삼고。동시，비교동중서부지구소제취주성분인자적이동，게시료금융체계효솔재현역성진화중적지구차이，위정부화금융궤구제정현역구역신대정책제공실증지지。
At present,the level of urbanization of county has appeared obvious regional differences .In this context, it is very significant to research the factors which affect the regional difference. With the data of 2010“China Banking Atlas of Rural Financial Services”, this paper uses factor analysis to ex-tract the principal-component factors which affect the urbanization of county in three regions divided in China. The result of study shows there are five principal components to be extracted as financial devel-opment factor, industry structure factor, fiscal policy factor, rural finance factor and urban-rural income gap factor, which will provide a reference to build a theoretical model of urbanization of county. Mean-while, by the comparison of similarity and difference of the principal-component factors extracted in three regions, it reveals regional differences of the efficiency of financial system which affect county ur-banization, which will provide an empirical support for government and financial institutions to develop regional credit policy in county.