CAJ | 학술논문

通过构建中国农村金融发展指标体系,将农村金融发展水平作为影响农民消费需求的变量引入到传统消费函数中来,实证分析我国1979～2010年农村金融发展水平与农民消费支出之间的动态关系,结果表明：人均可支配收入、农村金融效率、农村金融密度和农村金融规模都显著影响农民的消费支出。人均可支配收入无论在短期还是长期都是影响农民消费支出最主要的因素。农村金融效率、农村金融密度和农村金融规模对农民消费支出的影响体现为长期的持续效应。农村金融结构对农民消费支出的影响不显著,主要体现为短期效应,长期内几乎没有影响。
통과구건중국농촌금융발전지표체계,장농촌금융발전수평작위영향농민소비수구적변량인입도전통소비함수중래,실증분석아국1979～2010년농촌금융발전수평여농민소비지출지간적동태관계,결과표명：인균가지배수입、농촌금융효솔、농촌금융밀도화농촌금융규모도현저영향농민적소비지출。인균가지배수입무론재단기환시장기도시영향농민소비지출최주요적인소。농촌금융효솔、농촌금융밀도화농촌금융규모대농민소비지출적영향체현위장기적지속효응。농촌금융결구대농민소비지출적영향불현저,주요체현위단기효응,장기내궤호몰유영향。
By building China＇s rural financial development indicator system,rural finance development is introduced into the traditional consumption function as factors affecting consumption demand of famers;and a dynamic analysis is made of the relationship between rural consumption expenditure and the rural finance development based on the time series data from 1979～2010.The results show that disposable income,rural financial efficiency,rural financial density and rural financial scale significantly affect farmers＇ consumption expenditure.Famers＇ disposable income is the principal factor both in the short term and long term.Rural financial efficiency,rural financial density and rural financial scale impact farmers＇ consumption expenditure by long-term sustained effect.Rural financial structure has little effect on farmers＇ consumption expenditure,it is mainly reflected in short-term effect,but almost no effect on the long term.