华东经济管理
華東經濟管理
화동경제관리
East China Economic Management
2015年
4期
94~101
,共null页
农村金融市场 开放度 新型农村金融机构
農村金融市場 開放度 新型農村金融機構
농촌금융시장 개방도 신형농촌금융궤구
rural financial market;degree of openness;new type of financial institution
基于新型农村金融机构引起农村金融市场结构变化的视角，文章从新型农村金融机构的覆盖面、服务能力和非正规金融机构正规化程度等三个维度，运用基尼系数和区位熵方法构建了农村金融市场开放度绝对指数和相对指数，分别测度了2008-2013年30个省、东中西部三大区域、八大经济区域的农村金融市场开放度。研究发现：我国农村金融市场开放总体程度水平非常低，处于开放的初期阶段；各省农村金融开放水平程度普遍较低，省际差距增大；三大区域西部农村金融开放度最高、东部次之、中部最低，呈U字型特征；八大经济区域开放度差异大，提升速度快。最后提出了加快推动农村金融市场开放、缩小农村金融开放的区域差距、继续深化农村金融体制改革、完善农村金融市场良性运行的制度基础、创新农村金融新产品和服务方式等政策建议。
基于新型農村金融機構引起農村金融市場結構變化的視角，文章從新型農村金融機構的覆蓋麵、服務能力和非正規金融機構正規化程度等三箇維度，運用基尼繫數和區位熵方法構建瞭農村金融市場開放度絕對指數和相對指數，分彆測度瞭2008-2013年30箇省、東中西部三大區域、八大經濟區域的農村金融市場開放度。研究髮現：我國農村金融市場開放總體程度水平非常低，處于開放的初期階段；各省農村金融開放水平程度普遍較低，省際差距增大；三大區域西部農村金融開放度最高、東部次之、中部最低，呈U字型特徵；八大經濟區域開放度差異大，提升速度快。最後提齣瞭加快推動農村金融市場開放、縮小農村金融開放的區域差距、繼續深化農村金融體製改革、完善農村金融市場良性運行的製度基礎、創新農村金融新產品和服務方式等政策建議。
기우신형농촌금융궤구인기농촌금융시장결구변화적시각，문장종신형농촌금융궤구적복개면、복무능력화비정규금융궤구정규화정도등삼개유도，운용기니계수화구위적방법구건료농촌금융시장개방도절대지수화상대지수，분별측도료2008-2013년30개성、동중서부삼대구역、팔대경제구역적농촌금융시장개방도。연구발현：아국농촌금융시장개방총체정도수평비상저，처우개방적초기계단；각성농촌금융개방수평정도보편교저，성제차거증대；삼대구역서부농촌금융개방도최고、동부차지、중부최저，정U자형특정；팔대경제구역개방도차이대，제승속도쾌。최후제출료가쾌추동농촌금융시장개방、축소농촌금융개방적구역차거、계속심화농촌금융체제개혁、완선농촌금융시장량성운행적제도기출、창신농촌금융신산품화복무방식등정책건의。
Based on the perspective of structural changes in rural financial market by the entry of new types of rural financial institutions, The paper, by employing Gini coefficient and Location Quotient, builds absolute and relative indexex of rural financial market openness from three dimensions：the coverage of new types of rural financial institutions, their service capacity and the formal degree of informal financial institutions, and measures the rural financial market openness of thirty provinces, municipalities and autonomous regions, eastern, central and western areas, and eight economic regions respectively. The study shows that：The overall level of China’s rural financial market openness is very low and is still at its early stage. The rural financial market openness in all provinces is lower and the gaps among provinces are widening. The rural financial market openness in three areas presents U-type shape, with the highest level in the west, middle in the east and the lowest in the central. The differences of rural financial market openness in eight economic regions are significant. Finally, the paper puts forward some policy implications to accelerate the rural financial market openness, narrow regional disparities of rural financial openness, continue to deepen reform of rural financial system, improve institutional foundation of the virtuous operation of rural financial market and innovate new rural financial products and services.
