我国西部农村地区普惠金融发展研究

发布时间：2018-04-22 19:54

本文选题：西部农村 + 普惠金融　；参考：《西北师范大学》2015年硕士论文

【摘要】：普惠金融这一概念最早是由联合国在宣传2005国际小额信贷年时提出的,它是一种金融服务理念的提升,是小额信贷和微型金融的延伸和发展。它不仅仅局限于单个金融机构提供以小额贷款为主的金融服务范畴,而且致力于将零散的小额信贷服务与微型金融机构有机地结合在一起,并使之为国家整体金融发展战略服务,最终建立覆盖所有人群的包容性金融体系。正如诺贝尔和平奖得主、孟加拉乡村银行的创建者穆罕默德·尤努斯教授提出将信贷权上升到人权的高度,每个人生来平等,在接受金融服务方面也应该有平等的权利。普惠金融旨在为全民提供享受现代金融服务的机会和途径,普惠金融的发展对于减缓贫困、提升经济运行效率,帮助弱势群体改善教育、生活质量有着重要的意义。中国共产党第十八届三中全会通过了《中共中央关于全面深化改革若干重大问题的决定》,正式提出“发展普惠金融”的主张。由于西部农村地区是我国贫困发生率最高的区域,且广泛存在着金融服务缺失、金融需求得不到满足、金融排斥现象严重的问题,因此,应将西部农村地区作为我国推行普惠金融的重点区域。本文首先对国内外现有文献资料进行汇总梳理,了解相关问题的研究成果。其次,通过查找数据资料,对西部农村地区普惠金融发展现状从不同层面进行定性和定量描述,找出西部农村地区普惠金融发展中存在的问题。再次,通过借鉴人类发展指数的测算方法,构建西部农村金融普惠程度的评价指标体系,采用变异系数法赋权,使用加权平均法计算西部农村金融普惠指数,从而对西部各省区(市)农村地区金融普惠程度进行测度;在测度结果的基础上,使用面板数据模型对西部农村地区金融普惠程度的影响因素进行实证分析;最后,在综合分析的基础上,从农村发展普惠金融的内外部环境、普惠金融需求、普惠金融供给、普惠金融基础服务设施、政府在普惠金融发展中的作用这几个方面提出西部农村地区发展普惠金融的政策建议。
[Abstract]:The concept of inclusive finance was first put forward by the United Nations when propagating the International year of Microcredit 2005. It is a promotion of the concept of financial services and the extension and development of microfinance and microfinance. It is not limited to the provision of microfinance services by individual financial institutions, but also to the organic integration of fragmented microfinance services with microfinance institutions. And make it serve the country's overall financial development strategy, and ultimately establish an inclusive financial system covering all people. As Nobel Peace Prize laureate, Professor Mohamed Yunus, founder of Grameen Bank of Bangladesh, argues that credit rights should be elevated to human rights, and that everyone is born equal and should have equal access to financial services. Inclusive finance aims to provide opportunities and ways for all people to enjoy modern financial services. The development of inclusive finance plays an important role in alleviating poverty, improving economic efficiency, helping disadvantaged groups to improve education and quality of life. The third Plenary session of the 18th CPC Central Committee adopted the "decision of the CPC Central Committee on comprehensively deepening the Reform", formally putting forward the proposal of "developing inclusive finance". As the western rural areas are the regions with the highest incidence of poverty, and there are widespread problems such as the lack of financial services, the unmet financial needs, and the serious phenomenon of financial exclusion, The western rural area should be regarded as the key area of promoting inclusive finance in our country. In this paper, the existing literature at home and abroad are summarized and combed to understand the research results of related issues. Secondly, by looking up the data, this paper describes the present situation of inclusive finance in western rural areas qualitatively and quantitatively, and finds out the problems existing in the development of inclusive finance in western rural areas. Thirdly, by using the method of human development index for reference, the paper constructs the evaluation index system of rural financial inclusion degree in western China, adopts the coefficient of variation method to weight, and uses the weighted average method to calculate the western rural financial inclusion index. Therefore, the paper measures the degree of financial inclusion in rural areas of western provinces (cities). On the basis of the measurement results, it uses panel data model to analyze the influencing factors of financial inclusion in western rural areas. Finally, On the basis of comprehensive analysis, from the internal and external environment of rural inclusive finance, inclusive financial demand, inclusive financial supply, inclusive financial infrastructure, The role of the government in the development of inclusive finance puts forward some policy suggestions for the development of inclusive finance in western rural areas.
【学位授予单位】：西北师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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