基于结算业务视角的农村金融体系完善探讨——来自武汉农村商业银行的实证研究

为了推进新农村建设背景下农村金融体系的发展,从农村商业银行结算业务综合评价的角度进行实证研究。选取武汉农村商业银行系统升级后的结算业务指标为数据进行因子分析,结果表明:小额业务是影响该行结算业务最主要的影响因素,该行结算业务增长趋势较稳定。结合该行后期的发展,可采取改善金融机构基础设施建设、发展大额业务的互助担保融资体系、多渠道增加支付服务供给等措施来完善新农村金融体系。

Discussion about Improvement of Rural Financial System Based on Settlement Business Taking Wuhan Rural Commercial Bank as an Example

In order to improve the development of rural financial system under new rural construction,the empirical research on comprehensive evaluation of settlement business about Wuhan Rural Commercial Bank was carried out. Factor analysis was used for the settlement business data after system upgrade,and through the analysis there are some results： firstly,microfinance business is the most important influence factors for the bank; secondly, the settlement business has a relatively stable growth trend. Then new rural financial system can be improved by improving the Infrastructure construction of financial institutions,developing the mutual guarantee financing system of big business, increasing the supply of payment service supply from multiple channels and so on.