河北省普惠金融发展水平测度及影响因素分析

发布时间：2018-01-15 20:04

本文关键词：河北省普惠金融发展水平测度及影响因素分析　出处：《河北大学》2017年硕士论文　论文类型：学位论文

【摘要】：普惠金融指能有效、全方位地为社会所有阶层和群体提供服务的金融体系,河北省作为我国的农业大省也高度重视普惠金融的发展。本文从普惠金融发展需求现状,普惠金融供给现状,金融基础设施现状,政策状况几个角度出发阐明了河北省普惠金融的发展现状。进而指出河北省普惠金融发展存在网点少,产品单一,金融需求少,教育水平低,居民金融知识欠缺,信息化水平低以及信用建设体系不完善的问题。通过查找相关数据,选取多个指标,从农村金融服务获取的便利性,农村金融服务使用情况及农村金融发展效率三大维度出发,运用相关公式对河北省普惠金融发展水平进行测度,得出了河北省普惠金融整体发展水平较低,并且地区差异较大的结论。继而选取城乡收入差距,信息化水平,就业水平等八大解释变量对普惠金融发展水平进行了多元线性回归分析,发现信息化水平,城乡收入差距,就业水平,政府政策支持以及教育支出水平对河北省普惠金融的发展影响是显著的。最后从创新金融服务模式,扩大金融需求,提升教育支出,普及金融知识,加快信息化建设以及推进信用工程建设几个角度对河北省普惠金融发展提出了相关建议。
[Abstract]:Inclusive finance refers to a financial system that effectively and comprehensively provides services to all strata and groups of society. Hebei Province, as a big agricultural province in China, also attaches great importance to the development of inclusive finance. This paper expounds the current situation of the development of inclusive finance in Hebei Province from several angles, and points out that there are few outlets, single products, less financial demand and low education level in the development of inclusive finance in Hebei Province. Lack of financial knowledge, low level of information and imperfect credit construction system. By looking up the relevant data, select a number of indicators from the rural financial services to obtain convenience. The use of rural financial services and rural financial development efficiency of the three dimensions, using the relevant formulas to measure the level of inclusive financial development in Hebei Province, the overall level of financial development in Hebei Province is low. And the conclusion of greater regional differences. Then select the income gap between urban and rural areas, informatization level, employment level and other eight explanatory variables to the inclusive financial development level of multiple linear regression analysis, found the level of informatization. The income gap between urban and rural areas, employment level, government policy support and education expenditure level on the development of inclusive finance in Hebei Province is significant. Finally, from the innovation of financial service model, expand financial demand, improve education expenditure. This paper puts forward some suggestions on the development of inclusive finance in Hebei Province from the angles of popularizing financial knowledge, speeding up information construction and promoting credit engineering construction.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.7

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