文章基于2015年上海财经大学“千村调查”,从大概念的普惠金融角度,用渗透度、使用度和效用度衡量普惠金融,用政策扶持、基层工作和基础设施衡量政府作为,分析了政府作为对普惠金融的影响及地区差异。研究发现,东部农村普惠金融发展最好,西部农村政府最有作为;普惠金融的核心应是提高金融服务的使用度,尤其是银行业务的使用度;有为政府应是全方位有所作为;政府的积极作为能显著促进普惠金融发展,但以带门槛补贴为主的政策扶持并不有效,应慎用;在普惠金融发展中,西部地区政府应加强金融基础设施建设并提高政策扶持力度,东中部地区政府则应夯实基层工作。
“有为政府”与农村普惠金融发展——基于上海财经大学2015“千村调查”
摘要
参考文献
1 霍焰.农民收入增长与农村金融发展的互动研究[D].长春:吉林大学博士学位论文, 2013.
15 Akerlof G A. The market for "lemons":Quality uncertainty and the market mechanism[J]. The Quarterly Journal of Economics, 1970, 84(3):488-500. DOI:10.2307/1879431
17 Ansar A, Flyvbjerg B, Budzier A. Does infrastructure investment lead to economic growth or economic fragility? Evidence from China[J]. Oxford Review of Economic Policy, 2016, 32(3):360-390. DOI:10.1093/oxrep/grw022
18 Beck T, Demirgüç-Kunt A, Peria M S M. Reaching out:Access to and use of banking services across countries[J]. Journal of Financial Economics, 2007, 85(1):234-266. DOI:10.1016/j.jfineco.2006.07.002
19 Blankenau W. Public schooling, college subsidies and growth[J]. Journal of Economic Dynamics and Control, 2005, 29(3):487-507. DOI:10.1016/j.jedc.2004.04.001
20 Cebulla A. A geography of insurance exclusion:Perceptions of unemployment risk and actuarial risk assessment[J]. Area, 1999, 31(2):111-121. DOI:10.1111/area.1999.31.issue-2
21 Church A, Frost M, Sullivan K. Transport and social exclusion in London[J]. Transport Policy, 2000, 7(3):195-205. DOI:10.1016/S0967-070X(00)00024-X
22 Devarajan S, Swaroop V, Zou H. The composition of public expenditure and economic growth[J]. Journal of Monetary Economics, 1996, 37(2):313-344. DOI:10.1016/S0304-3932(96)90039-2
24 Guiso L, Sapienza P, Zingales L. Trusting the stock market[J]. The Journal of Finance, 2008, 63(6):2557-2600. DOI:10.1111/j.1540-6261.2008.01408.x
25 Jaffee D M, Russell T. Imperfect information, uncertainty, and credit rationing[J]. The Quarterly Journal of Economics, 1976, 90(4):651-666. DOI:10.2307/1885327
26 Kempson E, Atkinson A, Pilley O. Policy level response to financial exclusion in developed economies:Lessons for developing countries[R]. Report of Personal Finance Research Centre, University of Bristol, 2004.
27 Koku P S. Financial exclusion of the poor:A literature review[J]. International Journal of Bank Marketing, 2015, 33(5):654-668. DOI:10.1108/IJBM-09-2014-0134
29 Morrison P S, O'Brien R. Bank branch closures in New Zealand:The application of a spatial interaction model[J]. Applied Geography, 2001, 21(4):301-330. DOI:10.1016/S0143-6228(01)00014-5
30 O'Sullivan A. Urban economies (4th edition)[M]. Boston, MA:McGraw-Hill, 2000.
31 Oaxaca R. Male-female wage differentials in urban labor markets[J]. International Economic Review, 1973, 14(3):693-709. DOI:10.2307/2525981
32 Rahman M H. Employees' motivation in public and private commercial banks in Bangladesh:A study on need-based approach[J]. Global Disclosure of Economics and Business, 2013, 2(2):84-91.
33 Ravn M O, Schmitt-Grohé S, Uribe M. Explaining the effects of government spending shocks on consumption and the real exchange rate[R]. CEPR Discussion Paper No. DP6541, 2007.
34 Singh J, Doyle M W, Lave R. Political and economic geomorphology:The effect of market forces on stream restoration designs[Z]. AGU Fall Meeting, 2013.
35 Solo T M. Financial exclusion in Latin America-Or the social costs of not banking the urban poor[J]. Environment and Urbanization, 2008, 20(1):47-66. DOI:10.1177/0956247808089148
引用本文
粟芳, 方蕾. “有为政府”与农村普惠金融发展——基于上海财经大学2015“千村调查”[J]. 财经研究, 2016, 42(12): 72–83.
导出参考文献,格式为: