地区差异对农村金融发展影响的实证研究——基于单因素方差分析

以新疆农村信用社为例,运用单因素方差分析方法,从市级地区视角考察省内地区差异对农村金融发展的影响。研究发现,地区差异对农村信用社的不良贷款率没有产生显著影响,但是对农村信用社的存贷比产生了显著影响。农村金融发展失衡导致农村经济发展不均衡。因此,应构建区域农村金融协调发展机制,向经济欠发达地区给予更多的税收优惠措施,缩小区域农村金融发展差异,提高经济欠发达地区农村金融运行效率,促进区域农村经济协调发展。

Empirical Study of the Impact of Regional Difference on the Development of Rural Finance:Based on the One-way ANOVA

Example by Xinjiang rural credit,the paper studies the impact of regional difference on development of rural finance with the one-way ANOVA.It is found that the regional difference has no significant impact on the bad loan ratio of rural credit,but has great significant impact on deposit-loan ratio.The unbalance development of rural finance leads to the non-equilibrium development.It suggests that the government should build the mechanism coordinated development of regional rural finance,give more tax preference on the developing region,reduce the gap of regional financial development,enhance the efficiency of regional rural finance and promote the coordinated development of regional economy.