【摘要】 本文从技术进步推动农村金融机构绩效增长的角度出发,首先通过分析江苏省农村金融机构绩效的变化,提出了现代化支付系统作为技术进步对于江苏省农村金融机构具有溢出效应的观点;其次构建了溢出效应模型和投入产出方程;最后运用动态面板系统广义矩估计法(SYS-GMM)对模型进行估计,证明了支付系统对江苏省农村金融机构绩效具有显著的溢出效应。并基于此结论对农村金融机构提升绩效给出了建议。更多还原

【Abstract】 Starting from the angle that technological progress promotes the performance of rural financial institutions,the article first analyzes the changes in performance of rural financial institutions in Jiangsu Province,and raises the argument that the modern payment system as the tech-nological progress has a spillover effect on rural financial institutions in Jiangsu Province.Second,the article constructs a spillover effect model and an input-output equation.Finally,it uses the dynamic panel system GMM(SYS-GMM) to estimate the model,and proves that the payment system has prominent spillover effects on the performance of rural financial institutions in Jiangsu Province.Based on this conclusion,the article gives some advices on improving the performance of rural financial institutions.更多还原