文献类型：期刊文献

中文题名：村镇银行金融密度与农村居民收入增长

英文题名：Financial Density of Rural Banks and Income Growth of Rural Residents

作者：杨国佐[1];许干[2];张彦[3];张峰[2]

第一作者：杨国佐

机构：[1]太原理工大学文法学院,山西太原030024;[2]北京联合大学应用科技学院,北京100012;[3]汉中职业技术学院,陕西汉中723002

第一机构：太原理工大学文法学院,山西太原030024

年份：2021

期号：8

起止页码：89-94

中文期刊名：经济问题

外文期刊名：On Economic Problems

收录：CSTPCD;;国家哲学社会科学学术期刊数据库;北大核心:【北大核心2020】；CSSCI:【CSSCI2021_2022】；

基金：国家社会科学基金项目“农村金融服务乡村振兴的水平测评、时空分异与改进路径研究”(19BJY158)。

语种：中文

中文关键词：村镇银行;人口金融密度;农村居民收入

外文关键词：rural bank;population financial density;rural residents’income

摘要：村镇银行能否增加农村居民收入,以及如何布局村镇银行,关系着乡村振兴战略能否顺利实现。运用2007—2018年全国31个省(自治区、直辖市)的村镇银行网点数据,考察村镇银行设立所带来的农村居民收入变动情况,并运用双向固定效应模型和TSLS模型检验村镇银行的设立对农村居民收入增长的影响,探讨不同区域人口金融密度作用的差异。研究发现,不同区域的村镇银行人口金融密度对农村居民收入的影响不尽相同;从方位来看,东部和西部地区的农村居民收入并未受到村镇银行人口金融密度的显著影响,而中部地区农村居民收入影响显著。最后,进一步给出关于村镇银行合理布局的建议。
Whether the rural banks can increase the income of rural residents and how to layout the rural banks is related to the smooth realization of the Rural Revitalization Strategy.Based on the data of rural bank outlets in 31 provinces(autonomous regions and municipalities directly under the Central Government)from 2007 to 2018,this paper examines the changes of rural residents′income caused by the establishment of rural banks,and tests the impact of the establishment of rural banks on the income growth of rural residents by using the two-way fixed effect model and TSLS model,and explore the difference of population financial density in different regions.The results show that the influence of population financial density of rural banks on rural residents′income is different in different regions.The population financial density of rural banks in the eastern and western regions has no significant impact on the income of rural residents,while the population financial density of rural banks in the central region has a significant impact on the income of rural residents.Finally,it gives some suggestions on the reasonable distribution of rural banks.