新疆农村二元金融发展研究——基于农户收入结构视角的实证分析

摘要

基于地理学视角分析新疆农户收入结构差异的原因.通过理论模型分析认为,对于新疆农村地区农村二元金融的发展,现阶段并不急于实现正规金融机构市场化,政府应适当支持和规范民间金融发展.通过2005—2015年面板数据,运用PVAR模型①特别感谢世界银行Inessa Love博士提供的面板数据VAR模型在STATA中的语言程序.进行了实证研究,结果显示,新疆农村正规金融对农户经营性收入效用显著,而民间金融发展受到制约.最后就新疆农村二元金融发展提出了政策建议.%Based on the geographical perspective to analyze the reasons for the income structure differences of farmers in Xinjiang. Through the theoretical model analysis that,for the development of rural dual finance in Xinjiang rural areas.At this stage,there is no rush to realize the marketization of formal financial institutions.The government should appropriately support and standardize the de-velopment of private finance.Through the panel data from 2005 to 2015,this paper makes an empirical study using PVAR model 1. The results show that the rural formal finance in Xinjiang has a significant effect on farmers'operating income,while the development of folk finance is restricted.Finally,some policy suggestions on the development of rural dual finance in Xinjiang are put forward.