中文摘要：

笔者选取我国30个省份（除西藏、台湾、香港、澳门外）2005—2012年各年的截面数据,运用相关性分析、主成分分析等方法,筛选了12个解释变量及4个表示区域的虚拟变量指标,构建了衡量农村金融区域差异的影响因素的多元回归模型。结果表明,东部的农村金融发展明显优于其他三个区域,且农村经济投资水平、农村金融机构发展状况、农村基础设施尤其是邮电道路等方面的建设对于农村金融的发展有显著正向和推动作用。

英文摘要：

Based on cross- section data of 30 provinces（ except Tibet,Taiwan,Hong Kong,Macao） in China from 2005 to 2011,using the method of correlation analysis and principal component analysis,we filtered 12 explanatory variables and 4 dummy variables and built a multiple regression model to measure the influencing factors on regional differences of rural finance. The results show that rural finance development in the eastern is distinctly better than the other three regions and the level of investment in rural economy,the status of development of rural financial institutions,and construction of rural infrastructure,especially roads for posts and telecommunications,play a significant and positive role in promoting the development of rural finance.