中国农村金融生态环境优化研究

基于中国人民银行关于农村金融生态环境的评价标准，构建农村金融生态环境的衡量指标体系，运用Tobit计量模型分析各指标对金融资源配置效率的影响程度，分析表明：中国农业银行分地区人民币贷款累计回收率对农村金融资源配置效率具有显著的正向影响，而其他指标对金融资源配置效率的影响并不显著。因此，加强农村诚信环境的建设是优化我国农村金融生态环境的重点。

An Empirical Analysis of Factors Influencing Rural Financial Ecological Environment Optimization

Based on the rural financial ecological environment evaluation criteria made by the China People＇ s Bank, this article designs measurement index system of the rural financial ecological environment and uses Tobit quantitative model to analyze the influencing degree of each index on the financial resources allocation efficiency. The analysis indicates that regional RMB loan accumulated recovery efficiency of China Agricultural Bank has obvious positive influence on rural resources allocation efficiency and other indexes have unclear impact on the financial resources allocation efficiency. Thus, the construction of China＇ s rural financial ecological environment is mainly influenced by rural credit environment, so strengthening rural credit environment construction is the focus to optimize financial ecological environment.