CAJ | 학술논문

农村金融发展是农村经济增长的基础。采用 VAR 模型的实证方法，根据江苏省1997年-2013年的数据进行农村金融相关率与农村GDP 的实证研究。江苏省农村金融发展与农村经济增长之间存在着长期稳定的均衡关系，农村金融的快速发展对于农村经济的增长具有正向作用，而农村经济增长对农村金融发展的促进作用是微小的。应当把握农村经济发展大局，营造良好的农村金融环境，服务农村实体经济；规范农村非正规金融，引导其为农村实体经济服务；加强农村金融机构建设，改善融资环境，创新融资形式，拓展农村金融机构服务范围；出台扶持性政策，缓解农村贷款难问题，让金融市场在资金配置中起决定性作用。
농촌금융발전시농촌경제증장적기출。채용 VAR 모형적실증방법，근거강소성1997년-2013년적수거진행농촌금융상관솔여농촌GDP 적실증연구。강소성농촌금융발전여농촌경제증장지간존재착장기은정적균형관계，농촌금융적쾌속발전대우농촌경제적증장구유정향작용，이농촌경제증장대농촌금융발전적촉진작용시미소적。응당파악농촌경제발전대국，영조량호적농촌금융배경，복무농촌실체경제；규범농촌비정규금융，인도기위농촌실체경제복무；가강농촌금융궤구건설，개선융자배경，창신융자형식，탁전농촌금융궤구복무범위；출태부지성정책，완해농촌대관난문제，양금융시장재자금배치중기결정성작용。
Rural finance development has been a major driving force and foundation for economic growth in rural areas,it has significant meaning for the development of rural areas. We use VAR model to examine the relationship between the rural financial interrelation ratio and GDP of rural areas based on the data which col-lected by the Jiangsu government from 1997 to 2013. There is a long-term stable equilibrium relationship be-tween rural financial development and economic growth in Jiangsu Province, the rapid development of rural fi-nance plays a positive role in promoting rural economy, however, the rural economic growth has less promotion effect on rural financial development. First, we should grasp the overall situation of rural economic develop-ment, and create a good financial environment in rural areas, serve the rural real economy; second, we also need to set regulations for rural informal finance, guide them to serve the rural real economy;third, the govern-ment need to strengthen the construction of rural financial institutions, improve the financing environment, in-novative forms of financing to expand the scope of services in rural financial institutions;last but not least, the government should set supportive policies to alleviate the problem of rural credit, let the financial markets play a decisive role in allocation of funds.