供给侧结构性改革背景下农村金融资源差异化配置模式研究

王慧+潘超+魏晨

[摘 要] 随着农村经济发展，农村经济金融指标的差异性在各区域呈现多样化。传统的分类方法已不能反映经济发展的差异，因此需要重新划分农村区域板块，作为农村金融发展模式的选择依据。依据投入-产出法建立资源配置效率计算的模型，综合分析农村金融资源配置的效率。同时采用系统聚类法，运用SPSS21.0将各省（自治区、直辖市）农村金融发展水平进行聚类分析。结合主成分分析和聚类分析，得出农村金融资源差异化配置模式，农村经济金融资源效率发达的高水平地区，应采用市场导向型农村金融资源配置模式；其中等水平的地区，应采用政府-市场双导向型配置模式；其低水平地区，应采用政府导向型配置模式。进而充分发挥农村金融的支农作用，助力农业供给侧改革，促进区域农村经济与金融的协调发展。

[关键词] 农村；供给侧改革；金融资源配置

[中图分类号] F832.7 [文献标识码] A [文章编号] 1009-6043（2017）10-0012-05

Abstract： With the development of rural economy， the differences of rural economic and financial indicators are diversified in various regions. The traditional classification method can not reflect the difference of economic development， so to re-divide the rural regional plate is needed as the basis for the choice of rural financial development model. According to the input-output method， the model for evaluating resource allocation efficiency is established， and the efficiency of rural financial resource allocation is analyzed synthetically. At the same time， clustering method was used to analyze the rural financial development level of each province （autonomous region and municipality directly under the central government）. Based on the analysis of principal component analysis and clustering， the differential allocation model of rural financial resources is achieved as conclusion. In areas with high efficient rural financial resources， a market-oriented rural financial resource allocation mode should be adopted. In the middle level areas， market dual-oriented configuration mode is needed. In low-level areas， a government-oriented configuration model should be adopted. And then by giving full play to the role of supporting agriculture， the agricultural supply side reform could be facilitated for promoting coordinated rural economy development and financial growth in a region.

Key words： rural area， supply side reform， financial resource allocation

2017年中央提出：稳步推进农业供给侧结构性改革，紧紧围绕市场需求变化，以增加农民收入、保障有效供给为主要目标，促进农业农村发展由过度依赖资源消耗、主要满足量的需求，向追求绿色生态可持续、更加注重满足质的需求转变。“三农”问题是全面建设小康社会和精准扶贫的关键，针对新农村建设的重要战略调整，实施了一系列强有力的支农惠农政策。近几年国家加大了金融支农力度，但农业生产区域布局结构与资源禀赋条件不协调的现实仍然存在，农村金融资源利用效率不高，供给需求存在资源配置问题，如何发挥农村金融服务能力，助力精准扶贫成为近几年学术界研究的重要课题。……