CAJ | 학술논문

现有度量农村金融发展水平的方法无法直接体现农村金融对“农户”“农民”和“农业”的金融支持情况，无法反映农村金融发展的质量和可持续性，也没有考虑不同经济发展阶段农村金融的需求特征。基于农村金融发展的渗透度、方向性和可持续性特征，建立“三位一体”“5指标＋1因子”的农村金融发展水平复合度量体系，并对各地区农村金融发展水平进行实证评价，结果表明：自2006年以来，中国农村金融发展的总体水平有明显提升，区域差异有缩小的趋势；但农村贷款的投放集中度在提高，获得贷款的农户比例处于下降态势，农村金融“嫌贫爱富”的状况加剧。应兼顾农村金融的可持续性和渗透度，积极推进农村金融与农村产业发展以及现代农业的有机融合。
현유도량농촌금융발전수평적방법무법직접체현농촌금융대“농호”“농민”화“농업”적금융지지정황，무법반영농촌금융발전적질량화가지속성，야몰유고필불동경제발전계단농촌금융적수구특정。기우농촌금융발전적삼투도、방향성화가지속성특정，건립“삼위일체”“5지표＋1인자”적농촌금융발전수평복합도량체계，병대각지구농촌금융발전수평진행실증평개，결과표명：자2006년이래，중국농촌금융발전적총체수평유명현제승，구역차이유축소적추세；단농촌대관적투방집중도재제고，획득대관적농호비례처우하강태세，농촌금융“혐빈애부”적상황가극。응겸고농촌금융적가지속성화삼투도，적겁추진농촌금융여농촌산업발전이급현대농업적유궤융합。
Current measurement methods for rural financial development level can not directly embody the financial support situation for“agricultural households”,“peasants” and“agriculture” by rural finance, can not reflect the quality and sustainability of rural financial development and do not consider the demanding features of the rural finance at different economic development stages. Based on the features of the penetration, direction and sustainability of rural financial development, this paper sets up a rural financial development level composite measurement system with the "trinity" and "five indicators plus one factor", and makes an empirical analysis and evaluation on the rural financial development level in each region. The results show that since 2006, the total level of rural financial development of China is significantly rising and there is a narrowing trend in regional gap. However, the concentration degree for rural loan distribution is rising and the proportion of the agricultural households who got the loans demonstrates the descent trend. Furthermore, the situation of rural finance with“preferring the rich but disliking the poor” is intensified. Chinese Government should pay attention to both the sustainability and the penetration in rural finance and actively push forward the organic integration between rural finance and rural industrial development as well as modern agriculture.