CAJ | 학술논문

从金融总量、金融结构、金融效率和金融环境四个方面构建农村金融综合发展水平评价指标体系，并基于2006～2010年5年实际平均数据，从金融地理学角度运用因子分析法和模糊曲线法考察环境因子、文化因子、设施因子、科技因子、经济因子等金融地理因素对各省（区）农村金融综合发展水平的贡献程度。研究结果表明：我国各省农村金融综合发展水平存在明显差异，各影响因子中科技因子影响程度最大，经济、文化、基础设施、开放、劳动因子影响次之，聚集因子影响程度较小。因此，缩小农村金融省际差异，必须统筹各金融地理因素，尤其应注重农村科技、经济和文化对金融的提升作用。
종금융총량、금융결구、금융효솔화금융배경사개방면구건농촌금융종합발전수평평개지표체계，병기우2006～2010년5년실제평균수거，종금융지이학각도운용인자분석법화모호곡선법고찰배경인자、문화인자、설시인자、과기인자、경제인자등금융지리인소대각성（구）농촌금융종합발전수평적공헌정도。연구결과표명：아국각성농촌금융종합발전수평존재명현차이，각영향인자중과기인자영향정도최대，경제、문화、기출설시、개방、노동인자영향차지，취집인자영향정도교소。인차，축소농촌금융성제차이，필수통주각금융지리인소，우기응주중농촌과기、경제화문화대금융적제승작용。
The comprehensive development level indicator system of rural finance has been es- tablished in the paper from four aspects： financial gross, financial structure, financial efficiency and financial environment. Using average data of 2006-2010, factor analysis and fuzzy curve, the empirical analysis about the influence of eight financial geography factors on the comprehensive development level of rural finance has been done. The research shows that rural finance compre- hensive development level among provinces differs obviously. Among eight financial geography factors, the impacts from science and technology are huge, followed by factors of economy, cul- ture, infrastructure, opening level, labor force, the effect of concentration is the smallest. Therefore, these financial geography factors must be considered if we want to narrow gaps, and we should pay attention to the significant effect of technology and economy on rural finance.