CAJ | 학술논문

以来自中国1 867个县（市）的数据为依据,运用随机前沿分析法,对农村普惠性金融发展的生产率效应进行了实证检验。结果表明,从全国层面看,中国农村普惠性金融发展的生产率效应为正,组成农村普惠性金融的贷款使用效用维度和产品接触维度显著地促进了农村生产率增长;从区域层面看,中部地区农村普惠性金融发展的生产率效应为正,西部地区不显著,东部地区不存在效率损失。就农村普惠性金融发展促进农村生产率增长提出了继续深化农村金融制度改革、增加金融资源在中西部的投入等政策建议。
이래자중국1 867개현（시）적수거위의거,운용수궤전연분석법,대농촌보혜성금융발전적생산솔효응진행료실증검험。결과표명,종전국층면간,중국농촌보혜성금융발전적생산솔효응위정,조성농촌보혜성금융적대관사용효용유도화산품접촉유도현저지촉진료농촌생산솔증장;종구역층면간,중부지구농촌보혜성금융발전적생산솔효응위정,서부지구불현저,동부지구불존재효솔손실。취농촌보혜성금융발전촉진농촌생산솔증장제출료계속심화농촌금융제도개혁、증가금융자원재중서부적투입등정책건의。
Based on the data from 1 867 counties（cities）,this paper positivley analyzes the productivity effect on rural inclusive finance development in China.The result shows that,from a national perspective,the productivity effect of rural inclusive finance development in China is positive,and utility dimension of loan and contact dimension of rural finance products which constitutes the rural inclusive finance has significantly promoted the productivity growth in rural areas.From a regional perspective,the effect of inclusive financial development on rural productivity in central regions of China is positive,which is not significant in the western regions,while there is no efficiency loss in the eastern regions.Consequently,this paper puts forward some corresponding policy recommendations on how rural inclusive finance promotes the development of rural productivity.