章晔 曾歆格 杜轩颐

摘要农村商业银行设立和发展农村小微金融便利店，有助于满足农户的金融服务需求。基于此背景，依据对浙江省台州市农户的调查情况，运用有序Probit模型对农村小微金融便利店满足农户金融服务需求情况及影响因素进行实证研究。结果表明，年龄、决策便利程度、渠道便利程度、交易便利程度与农户金融需求满足程度呈显著正相关；受教育程度、家庭年收入与农户金融需求满足程度呈显著负相关。对此，从农户和银行两个层面提出建议，以期对金融便利店发展产生积极影响。

关键词金融便利店；农户金融服务需求；有序Probit模型；影响因素

中图分类号S-9文献标识码A文章编号0517-6611（2017）17-0238-04

AbstractThe establishment and development of rural micro financial convenience stores by rural commercial banks will help to meet the financial service demands of farmers. Under this background，based on the survey of the farmers from Taizhou， Zhejiang Province， we used ordered probit Model to empirically analyze the satisfaction situation of farmers financial service demands for Rural Micro Financial Convenience Store and their influencing factors. The results showed that there was a significant positive correlation between age，degree of decision convenience，degree of access convenience，degree of transaction convenience and the satisfaction degree of the farmers financial demands；there was a significant negative correlation between educational background，annual household income and the satisfaction degree of the farmers financial demands. In this regard，some proposals were offered from the aspects of farmers and banks to promote the development of financial convenience stores.

Key wordsFinancial convenience store；Farmers financial service demand；Ordered Probit model；Influencing factors

基金项目国家大学生创新创业训练计划项目（201610307090）。

作者简介章晔（1996—），女，浙江台州人，本科生，专业：金融学。

收稿日期2017-04-27

当前，我国金融发展呈现出典型的二元结构特征。相对于城市金融而言，农村金融发展极其滞后，金融“不包容现象”比较突出，农村银行业金融机构网点覆盖率较低，农户获取贷款的比例也较低。我国农村金融的非包容性已经成为现代农村经济发展的“瓶颈”，它使得农村经济与金融发展处于相互抑制的“马太效应”之中[1]。而农村金融的发展、改革和创新则与农村银行业有着密不可分的关系。农村商业银行在农村综合改革中有着持续、广阔的业务空间和前景。

近几年，社区银行模式在我国逐渐兴起。社区银行旨在打造一种亲民性、灵活性、金融服务多样性和创新性的社区小型金融服务平台。……