关键词: 农村金融市场, 普惠金融, 金融结构, 农村银行, 乡村振兴

Abstract: China’s rural financial market has been dominated by rural credit institutions for a long period of time，with inadequate competition. According to financial structure theories and rural financial market competition patterns，enhancing rural banking and financial institutions is conduce to realizing the optimal allocation of resources. The service level of current rural inclusive finance is measured by constructing a rural inclusive financial service indicator system；the proportion of loan balance of rural commercial banks to the local loan balance is used to measure the competition degree of rural financial market；and finally， the panel Tobit random effects model is taken to conduct an empirical test of the influence of rural banking competition on rural inclusive financial service level. The research findings are as follows：The more sufficient competition in rural financial market，the more conducive it is to the improvement of local inclusive financial service level； but the competition should be diversified， that is， the financing institutions in the market should improve their own market shares by offering diversified products and services. The lower the GDP per capita in one area，the more conducive it is for the boost of rural banking market competition to improve the service level of rural inclusive finance. Compared with rural savings，the boost of competition level among rural banking and financial institutions can better improve rural loans；therefore，improving the competition level of rural financial market is more helpful for solving the current problem of“difficult and expensive to get a loan”.

Key words: rural financial market, inclusive finance, financial structure, rural bank, rural revitalization