中国农村金融包容：转换机理、程度测量与三维效应研究

项目名称： 中国农村金融包容：转换机理、程度测量与三维效应研究

项目编号： No.71303077

项目类型： 青年科学基金项目

立项/批准年度： 2014

项目学科： 管理科学

项目作者： 王修华

作者单位： 湖南大学

项目金额： 22万元

中文摘要： 农村金融包容是金融发展领域的新兴研究方向和关键课题，对推进包容性发展具有重大意义。该问题的理论支撑和经验证据亟待探索和挖掘。项目依托发展权、金融宽度、信息经济学、金融地理学、广义矩估计和线性规划等理论与方法阐释农村金融从排斥向包容的转换机理与条件；构建综合的农村金融包容指数(（RFII）)，评价各地区的农村金融包容程度，探讨农村金融包容空间差异的变动趋势和演变规律，检验是否具有"收敛"特征；从供给诱导、需求引致、社会环境三个层面建立农村金融包容影响因素模型，找出农村金融包容的关键影响因素；构建农村金融包容的农户福利、区域增长和收入分配的"三维"效应模型；提出农村包容性金融体系的政策设计与推进路径。这些研究有助于丰富和发展农村金融包容的理论和方法，为国家经济、金融决策部门的政策实践提供理论支撑和决策依据。

中文关键词： 金融包容；金融合约交易模型；农村金融包容指数；三维效应；

英文摘要： Rural financial inclusion is an emerging research direction and a key research subject in the field of financial development, which plays an important role in promoting the inclusive development. However, the theoretical support and empirical evidence remain unknown and wait to be explored. In the project, theories and methods such as the development right, financial breadth, information economics, finance geography, GMM and linear programming are adopted to interpret the transition mechanisms and conditions from rural financial exclusion to rural financial inclusion. Meanwhile, a general rural financial inclusion index(RFII) is constructed in order to measure rural financial inclusion level in different areas, to explore the tendency and evolution rules of the rural financial inclusion space difference and to verify that whether the space difference has a "convergence" characteristic. Moreover, a rural financial inclusion factor model is constructed from three levels, namely supply inducement, demand cause and social environment, in order to identify the key factors of rural financial inclusion. Besides, a "three-dimensions" effect model is established. The three dimensions are farmers' welfare, regional growth and income distribution in rural financial inclusion. Last but not least, policy design and promotin

英文关键词： Financial Inclusion；Financial Contract Transaction Model；Rural Financial Inclusion Index；“Three-dimensions” Effect；