欠发达地区金融需求现状及影响因素分析——基于广东省阳山县的问卷调查

摘要

Imbalanced development of regional economy is not only a crucial problem during the National Twelfth Five- year Plan period, but also the central one of Double Migration Strategy in Guangdong. Financial support will no doubt promote the economic development in the underdeveloped areas, and it is particularly important to cultivate effective financial demands and to make the appropriate arrangements for the financial system. In this paper, based on a questionnaire survey of 417 house- holds in Yangshan County, Guangdong Province, we analyze the financial demands in the less developed regions, use the pro- bit model to analyze empirically the financial demands and recommend appropriate policy arrangements.%区域经济发展不均衡不但是我国“十二五”期间亟待解决的问题，也是广东省实施“双转移”战略的重点解决对象。金融支持无疑将促进欠发达地区的经济发展，而如何培育有效金融需求并进行相应的金融制度安排尤为重要。本文基于对广东省阳山县417家农户的问卷调查，分析欠发达地区金融需求的现状，利用probit模型进行金融需求影响因素的实证分析，并就相应的政策安排提出了建议。