摘要
以贫困地区的普惠金融发展为实证研究对象,选取支付环境条件等五个维度指标,涵盖人均移动支付笔数等25个三级指标构建了普惠金融评价指标体系。将贵州省及其九个市州作为贫困地区的案例,运用因子分析法,对上述地区2014-2016年三年的普惠金融发展情况进行了实证分析,分析显示:一是贵州省普惠金融整体发展水平提升明显,但部分深度贫困县域进步不大;二是贵州省普惠金融发展水平区域之间差异较大,贵阳市处于绝对领先地位;三是基础金融服务是引起普惠金融变化的主要因素,且金融服务、信用建设及金融基础设施均等水平等因素不可或缺。
This paper selects five dimensional indicators such as payment environment conditions, credit access conditions, insurance environment conditions which includes 25 sub-indicators such as the number of per capita mobile payments etc., to construct the evaluation index system of inclusive finance in ethnic areas. That takes 9 ethnic areas in Guizhou as samples to analyze the development of inclusive financial situation between 2014-2016 by using the factor analysis method. The results shows: firstly, inclusive financial development level gradually getting better in Guizhou province, but part of the deeply poor areas get little change. Secondly, the development of inclusive finance in Guizhou province shows regional differences, Guiyang is in the absolutely leading position. Thirdly, basic financial services are the main factors causing the change of inclusive finance, and financial services, credit construction,financial infrastructure equal level are indispensable.
引文
[1]Beck T,DemirgüKunt A,and Honohan P;Access to Financial Services:Measurement,Impact,and Policies World Bank Research Observer,2009.
[2]Sarma,Mandira.Index of Financial Inclusion ICRIER Working Paper,2008.
[3]Sarma M.Index of Financial Inclusion[R].Indian Council for research on International Economics Working Paper,2010(8):1-28.
[4]Gupte R.,Venkataramani B.,Gupta D.Computation of Financial Inclusion Index for India[J].Social and Behavioral Sciences,2012(37):133-149.
[5]世界银行.2014年全球金融发展报告:普惠金融[M]//王佐发,王作功,陈佩.北京:中国财政经济出版社,2015.
[6]焦瑾璞等.中国普惠金融发展进程及实证研究[J].上海金融,2015(4):13-22.
[7]肖翔,洪欣.普惠金融指数的编制研究[J].金融论坛,2014(9):5-7.
[8]高沛星,王修华.我国农村金融排斥的区域差异与影响因素--基于省际数据的实证分析[J].农业技术经济,2011(4):93-102.
[9]刘磊.贵州省普惠金融发展评估与分析[J].金融理论探索,2016(6):71-78.
[10]Demirg-Kunt,Asli,Leora Klapper.Measuring Financial Inclusion:The Global Findex Database.World Bank Policy Research Working Paper,2012
[11]李建伟,李树生,胡斌.具有普惠金融内涵的金融发展与城乡收入分配的失衡调整--基于VEC模型的实证研究[J].云南财经大学学报,2015,(1):110-116.
[12]李彦龙,张晓昱.普惠金融能否有效缩小城乡居民福利差异?[J].金融发展研究,2016(9):58-62.
[13]Goran Amidzic,Alexander Massara,Andre Mialou.Assessing Countries’Financial Inclusion Standing-A New Composite Index.IMF working paper,2014.
[14]王力宾,顾光同.多元统计分析:模型、案例及SPSS应用[M].经济科学出版社,2010(3).