金融地理学视角下中国农村金融省际差异研究

从金融总量、金融结构、金融效率和金融环境四个方面构建农村金融综合发展水平评价指标体系,并基于2006～2010年5年实际平均数据,从金融地理学角度运用因子分析法和模糊曲线法考察环境因子、文化因子、设施因子、科技因子、经济因子等金融地理因素对各省(区)农村金融综合发展水平的贡献程度。研究结果表明:我国各省农村金融综合发展水平存在明显差异,各影响因子中科技因子影响程度最大,经济、文化、基础设施、开放、劳动因子影响次之,聚集因子影响程度较小。因此,缩小农村金融省际差异,必须统筹各金融地理因素,尤其应注重农村科技、经济和文化对金融的提升作用。

The Provincial Difference of Rural Finance Development from the View of Financial Geography

The comprehensive development level indicator system of rural finance has been established in the paper from four aspects: financial gross, financial structure, financial efficiency and financial environment. Using average data of 2006~2010,factor analysis and fuzzy curve, the empirical analysis about the influence of eight financial geography factors on the comprehensive development level of rural finance has been done. The research shows that rural finance comprehensive development level among provinces differs obviously. Among eight financial geography factors, the impacts from science and technology are huge, followed by factors of economy, culture, infrastructure, opening level, labor force, the effect of concentration is the smallest. Therefore, these financial geography factors must be considered if we want to narrow gaps, and we should pay attention to the significant effect of technology and economy on rural finance.