CAJ | 학술논문

本文基于微观调研数据，从金融排斥维度和程度两方面分析样本农户在储蓄、信贷两方面受排斥状况，并运用有序Probit模型对影响农户金融排斥的因素进行了实证研究。结果表明：我国农户在储蓄、信贷两个方面均受到不同程度排斥，信贷排斥尤为严重；相对于东部地区农户，中西部地区农户受到更严重的金融排斥；储蓄、信贷两个方面排斥的影响因素既有一定的共性，也存在一些差异。在此基础上，本文提出构建包容性农村金融体系的政策建议来破解农户金融排斥问题。
본문기우미관조연수거，종금융배척유도화정도량방면분석양본농호재저축、신대량방면수배척상황，병운용유서Probit모형대영향농호금융배척적인소진행료실증연구。결과표명：아국농호재저축、신대량개방면균수도불동정도배척，신대배척우위엄중；상대우동부지구농호，중서부지구농호수도경엄중적금융배척；저축、신대량개방면배척적영향인소기유일정적공성，야존재일사차이。재차기출상，본문제출구건포용성농촌금융체계적정책건의래파해농호금융배척문제。
Based on micro - survey data, this paper analyses the rural households＇ financial exclusion condition from dimensions and extent of savings, credit and insurance, and empirically studies the influential factors with the Ordered Probit Model. The results show that rural households are subject to different levels of exclusion in savings, credit and insurance, particularly in credit; rural households in the central and western regions are subject to much severer financial exclusion than that of the eastern region. Some influential factors are in common while others are different. On that Basis, we put forward some suggestions such as building inclusive rural financial system.