| 摘要: |
| 深度贫困地区是全国打赢脱贫攻坚战的主战场，当地农信社承担着举足轻重的金融扶贫任务。如何确保在扩大深度贫困地区信贷规模的同时，防范区域性金融风险，是当前迫切需要解决的难题。本文借鉴“经济意义破产”概念，从宏观经济、中观县域金融与微观农信社资产质量三个维度选取14个指标，运用面板Logit模型从全样本、经济发展差异大且基础较弱的地区、经济发展条件较好且同步性高的地区和“三区三州”覆盖地区四个维度分析深度贫困地区农村信用社的区域性风险。研究发现，县域整体贷款增长率、农信社资本充足率、资产利润率和不良贷款率是显著影响深度贫困地区农信社区域性风险的共性指标。最后，本文从监管者、地方政府和农信社三个角度，提出降低区域性风险、增强深度贫困地区农信社商业可持续能力的政策建议。 |
| 关键词: 深度贫困地区；农村信用社；区域性风险；“三区三州” |
| DOI： |
| 分类号:F832 |
| 基金项目: |
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| Analysis of Influencing Factors and Countermeasures in Regional Risks of Deeply Poverty stricken Areas’ Rural Rredit Cooperatives |
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XU Yan1,2
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1.School of Finance of Xinjiang University of Finance & Economics;2.Wulumuqi Central Subbranch of The People’s Bank of China
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| Abstract: |
| To ensure that the credit scale of the deep poverty stricken areas is increased，while to prevent the systematic risks of the legal person of rural credit cooperatives is an important problem that needs to be solved urgently.Deeply poverty-stricken areas are the main battlefields to win the battle of poverty alleviation in China，and the local rural credit cooperatives undertake the important task of financial poverty alleviation.This paper introduces the definition of “economic significance bankruptcy”，selects 14 indicators from three aspects of macro-economy，meso county finance and micro rural credit cooperatives asset quality，and uses panel logit model to analyze four dimensions of deeply poverty-stricken areas，i.e.full sample，areas with large economic development differences and weak foundation，areas with good economic development conditions and high synchronization，and areas covered by “three regions and three states” Regional risks of the credit union.It is found that the overall loan growth rate，the capital adequacy rate，the asset profit rate and the non-performing loan rate are the common indicators that significantly affect the regional risk of rural credit cooperatives in the deeply poverty-stricken areas.Finally，this paper puts forward policy suggestions to reduce regional risks and enhance the sustainable business capacity of rural credit cooperatives in the “three regions and three prefectures” deeply poverty-stricken areas from the perspectives of regulators，local governments and rural credit cooperatives. |
| Key words: Deeply-poverty Areas；Rural Credit Cooperatives；Regional Risks；Three Regions and Three States |
