【摘要】：近年來,隨著全面深化改革的不斷深入以及一系列普惠金融相關(guān)政策文件的出臺,我國農(nóng)村地區(qū)普惠金融發(fā)展成果顯著。但是,農(nóng)村地區(qū)金融服務(wù)的排斥現(xiàn)象依然存在,農(nóng)村地區(qū)金融機構(gòu)營業(yè)網(wǎng)點少且分布不平衡,甚至在一些偏遠貧困地區(qū)依然存在著金融服務(wù)空白區(qū),基礎(chǔ)性金融服務(wù)的可獲得性和便利性依然滯后,農(nóng)民貸款難、貸款貴等問題依然突出,嚴重阻礙了農(nóng)村經(jīng)濟的發(fā)展,制約了整個金融體系的構(gòu)建和完善。本文旨在通過構(gòu)建更加全面完善的普惠金融測評指標體系,為衡量農(nóng)村普惠金融發(fā)展水平提供了科學(xué)合理的依據(jù),為農(nóng)村普惠金融發(fā)展水平測度的相關(guān)研究提供借鑒和參考,使農(nóng)村金融體系得到進一步健全和完善,為未來農(nóng)村普惠金融發(fā)展方向提供思路。本文在農(nóng)村普惠金融發(fā)展的相關(guān)理論基礎(chǔ)上,對國內(nèi)外農(nóng)村普惠金融發(fā)展水平測度的研究現(xiàn)狀進行說明及比較分析,發(fā)現(xiàn)國內(nèi)研究在評價指標體系的構(gòu)建和測度方法的使用上仍然存在可優(yōu)化的空間。鑒于此,本文試圖從農(nóng)村普惠金融的滲透度、可獲得度、可使用度、可負擔(dān)度以及社會因素五個維度12個指標構(gòu)建更加全面完善的農(nóng)村普惠金融評價指標體系。基于因子分析法測度2012-2014年我國各地區(qū)農(nóng)村普惠金融發(fā)展水平,并進一步采用聚類分析法對農(nóng)村普惠金融的區(qū)域差異進行分析,研究發(fā)現(xiàn):第一,我國農(nóng)村普惠金融發(fā)展水平普遍偏低且區(qū)域差異明顯;第二,我國農(nóng)村普惠金融發(fā)展程度呈東中西梯度形態(tài),東部沿海地區(qū)居高,中西部次之;第三,從類型特征上看,省際農(nóng)村普惠金融發(fā)展程度的類型格局與其經(jīng)濟發(fā)展水平基本相一致;第四,從時間跨度上看,我國農(nóng)村普惠金融發(fā)展水平正穩(wěn)步提高,區(qū)域差異有逐步縮小趨勢。最后,根據(jù)實證分析情況進行了相應(yīng)總結(jié),并提出了科技手段助力、金融產(chǎn)品和服務(wù)創(chuàng)新、政策扶持、完善農(nóng)村信用體系以及金融知識教育等相應(yīng)具體可行的對策建議。
[Abstract]:In recent years, with the deepening of comprehensive reform and the introduction of a series of policy documents related to inclusive finance, the development of inclusive finance in rural areas of China has achieved remarkable results. However, the exclusion of financial services in rural areas still exists. There are few and uneven branches of financial institutions in rural areas, and even in some remote and poor areas, there are still blank areas for financial services. The availability and convenience of basic financial services are still lagging behind, farmers' loans are difficult, and loans are expensive, which seriously hinder the development of rural economy and restrict the construction and improvement of the entire financial system. The purpose of this paper is to provide a scientific and reasonable basis for measuring the development level of rural inclusive finance by constructing a more comprehensive and perfect index system of inclusive finance evaluation, and to provide reference and reference for the relevant research on the measurement of rural inclusive financial development level. Make the rural financial system further perfect and perfect, and provide the train of thought for the future development direction of rural inclusive finance. Based on the theory of rural inclusive finance development, this paper explains and compares the research status quo of the measurement of rural inclusive finance development level at home and abroad. It is found that there is still room for optimization in the construction of evaluation index system and the use of measurement methods in domestic research. In view of this, this paper attempts to build a more comprehensive evaluation index system of rural inclusive finance from 12 indicators of penetration, accessibility, usability, affordability and social factors. This paper measures the development level of rural inclusive finance in different regions of China from 2012 to 2014 based on factor analysis, and further analyzes the regional differences of rural inclusive finance by cluster analysis. The results are as follows: first, The development level of rural inclusive finance in China is generally low and the regional differences are obvious. Secondly, the development degree of rural inclusive finance in our country shows the gradient of east and west, the eastern coastal area is high, the central and western regions take second place; Thirdly, from the perspective of type characteristics, the type pattern of provincial rural inclusive financial development level is basically consistent with its level of economic development; Fourth, from the perspective of time span, the development level of rural inclusive finance is improving steadily, and regional differences are gradually narrowing. Finally, according to the empirical analysis of the corresponding summary, and put forward the scientific and technological means to help, financial products and services innovation, policy support, improve the rural credit system and financial knowledge education and other relevant specific and feasible countermeasures.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.35

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