江苏省农村地区金融排斥地域差异及其影响分析基于县域金融机构网点分布视角
毕业论文关键词：金融排斥；农村地区；江苏省；银行网点
Regional Differences and Impact of Financial Exclusion in Rural Areas in Jiangsu Province
——Baced on the Perspective of Financial Institutions Network Distribution in County Level Place
Abstract： At present, our country is in economic transition period, monetary and financial system is complicated, from on the one hand, convenient residents in the city first used the services of a financial institution; But it also led to a lot of people in rural or remote areas difficult to obtain corresponding financial services. Taking jiangsu province as the foothold, relying on the indicators in the rural area in the province, the current situation of our province under the condition of current financial exclusion and conduct the thorough research to the forming reason, by comparing statistical data analysis, establishes the econometric model analysis technology, we can draw a conclusion that the development level of one area, as measured by number of rural financial services institutions, the population of rural area has negative influence on the level of financial exclusion, What’s more,rural per capital disposable income, the residents' savings have positive influence on the number of financial institutions . And puts forward some Suggestions to solve this problem.
Key words: financial exclusion；rural areas；jiangsu province；banking outlets
目 录
摘要1
关键词1
Abstract1
Key words1
一、引言1
二、文献综述与理论分析2
（一）金融排斥理论2
1．金融排斥的内涵 2
2.金融排斥造成的影响 3
（1）经济层面的“马太效应” 3
（2）造成社会不稳定 3
（3）形成地方性货币系统 3
3.金融排斥评价与影响因素 3
（1）评价指标 4
（2）影响因素 4
三、江苏省农村地区金融排斥地域差异及其影响4
（一）江苏省农村地区金融系统分析4
1.现状分析4
（1）农村金融机构布点日趋完善4
（2）农业贷款占比逐年下降5
2.地区差异5
（二）农村金融机构数量6
1.总体状况6
2.地区间金融排斥统计数据分析7
3.金融机构网点变动及发展趋势9
四、影响因素的实证分析10（一）变量及模型说明10
1.解释变量10
2.被解释变量11
3.模型假设11
（二）描述性统计分析12
（三）计量结果分析—农村金融机构网点数的影响因素分析11
五、结论与政策建议12
致谢13
参考文献14
江苏省农村地区金融排斥地域差异及其影响分析——基于县域金融机构网点分布视角
一、引言
金融是当代经济发展的核心，农业是国民经济发展的基础，而农村金融的发展水平决定和制约着农村经济的发展水平。改革开放以来，尽管我国农村金融改革和农村近代化进程取得了一定的成就，但是由于历史文化、地理环境、政策宗教等原因，农村地区始终是金融服务相对匮乏的区域，金融服务还远不能满足农村经济发展所需。惠普金融理论把农民的金融发展权、金融排斥和乡镇银行的发展有机联系到了一起：文护农民金融发展权是惠普金融的核心，金融排斥是惠普金融理论提出的现实原因，乡镇银行是实现惠普金融的有效途径。