我国金融排斥的城乡二元性研究[J].docVIP

我国金融排斥的城乡二元性研究 田霖 【专题名称】农业经济研究【专 题 号】F2【复印期号】2011年07期【原文出处】《中国工业经济》(京)2011年2期第36～45，141页【英文标题】A Study on the Urban and Rural Duality of Financial Exclusion in China【作者简介】田霖(1977-)，女，河南郑州人，郑州大学商学院副教授，经济学博士，郑州大学商学院，河南　郑州　450001 【内容提要】 针对金融排斥的城乡二元性展开分析，从城乡互动耦合的新角度剖析排斥的空间差异与诱致要素。在构建城乡金融排斥二元性指数的基础上，利用模糊曲线法证实各诱致要素的复合因果关系及贡献弹性差别。研究结果表明，技术、收入、教育等各要素对城、乡金融系统的作用渠道及影响强度不同，因此，其金融包容措施应各有侧重；城乡金融地域系统存在空间溢出效应，二者互补而非互斥，互相关联而非互相割裂，二元性的削弱应充分发挥城市的扩散效应，并推进农村金融的加速度发展；金融排斥存在积极和消极两个方面，政府作为自组织而非他组织主体，干预重点在于“金融沙漠”，同时应尊重市场规律，引导“社会责任”的实现。The paper analyzes dualism of financial exclusion in China which is of great importance but hasnt thoroughly been studied yet. From new perspectives of urban-rural combination and interaction, the paper compares dualism of financial exclusion of 31 provinces and establishes a comprehensive index system on the basis of which elasticity index of related affecting factors are verified through fuzzy curve model analysis. The study finds that: ①The affecting factors(e.g. income, technology and education)operate differently and have different impact on urban and rural financial systems, so different measures should be taken to tackle urban and rural financial exclusion. ②There are spill over effects between urban-rural areas. It proves that urban-rural systems are not mutually exclusive or intersected but mutually related and complementary. In order to undermine dualism, urban diffusion effects should be brought into full play and development of rural finance should be accelerated. ③Financial exclusion has both positive and negative influences. As one of self-organizing actors, the government should curb financial desertification and guide the realization of corporate social responsibility on the basis of market rules. 【关 键 词】金融排斥/二元性/城乡协调发展/复杂系统financial exclusion/dualism/coordinated development between urban and rural areas/complex system ????一、引言????金融排斥(Financial Exclusion)是金融地理学的新兴研究方向，1997年开始，成为国外政府部门金融管理决策过程中优先考察的议题。中外学者从不同角度、不同层面对该专题进行了全方位探讨，包括其概念的