市场化竞争对金融支农水平影响的分析 ——基于省际面板数据的实证研究

摘要关于我国农村金融,学界的主流观点均支持金融组织多元化以及形成必要的竞争环境,现实当中我国农村金融顶层设计也以市场化运作模式为导向。笔者利用动态面板模型,采用系统GMM方法分析了2006年~2011年全国农村商业银行业省际面板数据,发现农村金融机构间竞争程度与金融机构支农水平之间存在非线性关系,且当前竞争程度已经损害或者即将损害金融支农水平,这表明我国农村金融顶层设计的合理性有待商榷。实证研究同时表明金融机构效率的提高是提升其支农水平的可行途径之一。

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	谭燕芝
	杨芸

关键词：基础经济结构交叉熵投入产出分析基础经济结构交叉熵投入产出分析基础经济结构交叉熵投入产出分析基础经济结构交叉熵投入产出分析农村金融市场化竞争金融支农水平

Abstract： In rural financial sector in our country, mainstream view has been supported to establish diversified financial organizations as well as to create competitive environment. And China’s rural finance top-level design is also market-oriented mode. This paper builds dynamic panel model, using the system GMM method to analyze the 2006-2011 national rural commercial bank provincial panel data and finds out that there is a non-linear relationship between the competition among rural financial institutions and the level of financial support for rural households, and it also reveals the current competition has been or will be detrimental to the latter, which indicates that China's rural finance top-level design might be disputed. Empirical research also shows a useful way to improve the level of support for agriculture that is improving the institutional efficiency in rural finance.

Keywords： Fundamental Economic Structure Cross Entropy Input-output Analysis Fundamental Economic Structure Cross Entropy Input-output Analysis Fundamental Economic Structure Cross Entropy Input-output Analysis Fundamental Economic Structure Cross Entropy Input-output Analysis Rural Finance Market Competition Level of Support for Rural Households

收稿日期 2015-10-31; 接受日期 2016-05-16;

基金资助:国家自然科学基金项目(71273220);教育部人文社会科学研究基金项目(12YJA790121);湖南省哲学社会科学基金重点项目(12ZDB03);2015年湖南省研究生科研创新项目(CX2015B200)

作者简介: 谭燕芝(1962- ),女,湖南株洲人,博士,教授,博士研究生导师,主要从事农村金融、商业银行管理、契约理论研究;杨芸(1990- ),女,湖南邵阳人,硕士研究生,主要从事农村金融研究。

引用本文:

谭燕芝,杨芸.市场化竞争对金融支农水平影响的分析 ——基于省际面板数据的实证研究[J]. 经济经纬, 2016,3: 25-30

TAN Yan-zhi, YANG Yun.An Analysis of the Impact of Market Competition on the Level of Financial Support for Rural Households ——An Empirical Research Based on Provincial Panel Data[J] Economic Survey, 2016,V33(3): 25-30

链接本文:

http://www.jjjw.org.cn/CN/ 或 http://www.jjjw.org.cn/CN/Y2016/V33/I3/25