农村信贷资金流动：基于县域银行分支机构的视角

Bank branches gradually withdrawed from rural area in the past. With the rural financial market access policies, and many commercial financial institutions have currently entered into the rural area. Corresponding to this phenomenon, rural credit was flowing out. Scarce resources can not be fully used among cities, resulting efficiency loss. It is a problem worthy of studying whether bank branching is the direct cause of rural credit outflow...This project intends to selects counties of different financial and economic development level as samples during 1997 to 2003. Combined with the features of China’s rural financial market and tendence of banking in cities, it will estimate the capital marginal output of county rural areas, and investigate the trajectories and mechanism of bank branching changes during different period, and examine the characteristics of financial resource allocation imbalance. Based on the theory framework of profit-seeking capital mobility, it will analyze the mechanism of relations between bank branching in cities and rural credit outflow, and compare the behavior differences of different types of bank branches. It can provide scientific policy suggestions for optimiazing the rural financial resources and Strengthening services of the financial institutions to agriculture, rural areas and farmers..

过去县域银行分支机构逐步撤离农村，伴随着农村金融市场准入新政的出台，当前多家商业性金融机构纷纷进驻农村。与此对应的现象是，农村信贷资金源源流出农村。稀缺资源无法得到充分利用，从而产生效率损失。县域银行分支机构扩张是否是农村信贷资金外流的直接原因就成了一个值得研究的问题。. 本项目拟选取不同金融、经济发展水平的县域样本，结合中国农村金融市场特征和未来县域银行业发展的趋势，估计县域农村地区的资本边际产出；考察不同时期县域银行分支机构变迁的轨迹和机理，检验县域金融资源配置的不平衡性；基于资本逐利流动的理论框架，分析银行分支机构对银行信贷资金流动的作用机制，并比较不同类型银行分支机构的行为差异；为优化金融资源配置、强化金融机构服务“三农”提供科学的政策依据。