县域农村金融生态系统评价与比较研究——基于重庆29个区(县)的数据分析

改善农村金融服务,构建良好的农村金融生态系统,对于繁荣农村经济,建设全面小康社会具有十分重要的意义。基于此,在厘清县域农村金融生态系统内涵和特征的基础上,构建了县域农村金融生态系统评价指标体系,并采用因子分析法对县域农村金融生态系统进行了评价和比较,以科学认识农村金融生态系统发展的水平,探寻影响农村金融生态系统建设的主要因子。结果表明,县域农村金融生态系统建设总体水平偏低,区域间发展极不平衡;县域农村金融机构的运行状况对当地农村金融生态系统的发展具有首要影响;良好的农村经济环境、社会环境及信用环境是促进区域内农村金融生态系统稳定发展的保障,农村社会的发展程度和产业结构调整力度将为农村金融生态系统的建设提供持续动力。建议提高农村金融机构运行效率,提升金融服务广度和深度;创新农村金融服务产品,丰富农村金融市场体系;深化经济体制改革,提高农村经济综合实力;健全农村风险补偿机制,完善担保信用体系;加大政府多种补贴支持,提供良好公共环境等相关政策措施。

Evaluation and comparative study on the rural financial ecosystem: A case study of 29 districts in Chongqing

Improving the financial services and building a rural financial ecosystem in rural areas are critical to the prosperity of Chinese rural economy and to the building a well-off society in China. For this purpose, this paper establishes a financial ecosystem index system based on reconceptualising its connotation and particularity, and makes an evaluation and comparative study on this financial ecosystem by using factor analysis method. Results show that 1) the overall level of county rural financial ecosystem is relatively low with unbalanced development; 2) the performance of county rural financial institutions imposes impacts primarily on the local rural financial ecosystem; and 3) the good rural economy, society and credit can promote a sure safeguard of steady development of rural financial ecosystem, and the levels of rural social development and structural adjustment provide sustainable development power for rural financial ecosystem construction. Based on these findings, this paper provides the following suggestions: improving the efficiency of county rural financial institutions to enhance the range and depth of financial service; encouraging innovations in financial products to complete financial market system; deepening the economic restructuring to improve the rural economic comprehensive strength; completing rural risk compensation mechanisms to complete credit guarantee system; and increasing Supports to the formation of a good public environment by financial subsidies and so on.