摘要
为了解农村金融创新对农村经济发展的影响,在区分农村金融创新和农村金融发展的基础上,以国家农村金融综合改革试验区吉林省为样本,利用2000—2015年吉林省39个县的数据,运用OLS、静态和动态面板分析方法,对农村金融创新作用于农村经济发展的机制进行了研究,结果表明:农村金融创新对农村经济发展具有十分显著的推动作用,且该作用存在收入递减效应。因此,为推动农村经济发展和实现乡村振兴,必须加强农村金融创新,特别是要加强贫困落后地区的农村金融创新。这既要求解决农村金融机构和农村经济主体之间的信息不对称问题,还要求建立分担创新风险、降低创新成本和增加创新激励的机制。
In order to understand the impact of rural financial innovation on rural economic development,the difference between rural financial innovation and rural financial development is investigated by taking national rural financial comprehensive reform pilot area of Jilin province as the sample,and using the data of 39 county of Jilin province in 2000 to 2015.OLS,static and dynamic panel analysis method are adopted to investigate the mechanism of rural financial innovation on rural economic development.The results show that:The rural financial innovation plays a significant role in promoting rural economic development and displays diminishing income effect.Therefore,in order to promote economic development and revitalize rural areas,it should strengthen the rural financial innovation,especially in poor and backward areas,should be strengthened.It is required to solve the problem of information asymmetry between rural financial institutions and rural economic subjects,establish mechanisms to share innovation risks,reduce innovation costs and increase innovation incentives.
作者
赵洪丹
赵宣凯
丁志国
ZHAO Hongdan;ZHAO Xuankai;DING Zhiguo(College of Economics and Law,Jilin Normal University,Siping 136000,China;China Internet Economy Research Institute,Central University of Finance and Economics,Beijing 100081,China;Rural Finance Research Center,Jilin University,Changchun 130012,China)
出处
《中国农业大学学报》
CAS
CSCD
北大核心
2019年第12期215-228,共14页
Journal of China Agricultural University
基金
国家社会科学基金项目(17BJY183)
吉林大学省部共建项目(502041)
吉林省“十三五”智库规划基金项目(2017JLSZKZB009)
吉林省社会科学基金项目(2019B30)
吉林省社会科学基金项目(2017B44)
吉林省教育厅“十三五”社会科学项目(JJKH20180801SK).
关键词
乡村振兴战略
农村金融创新
农村金融发展
农村经济发展
rural revitalization strategy
rural finance innovation
rural finance development
rural economic development
