金融包容的需求侧与供给侧探析——基于CHFS项目28143户家庭的实地调查数据

发布时间：2018-02-16 18:14

本文关键词： 金融包容需求侧供给侧金融排斥供需平衡　出处：《浙江大学学报(人文社会科学版)》2017年04期 　论文类型：期刊论文

【摘要】：主流银行包容存在需求不足、潜在需求、供给排斥、供求错配及供求平衡状态。与传统的"金融包容指数越高则越优"的理解不同,需求层面包容指数的最优未必等同于供给层面的包容最优;供给不足也并非金融排斥的唯一原因。要从需求侧、供给侧入手剖析包容的表现与诱因,寻求供求匹配解;金融包容相同的诱因其作用强度、方式不尽相同,细化的个性分析可揭示各个要素对不同种类金融包容的边际作用;微观与宏观视角的金融包容不同,普惠金融不等于全民金融;金融包容需要将"大数据"与"厚数据"相结合,家庭金融视角将与国别视角、区域视角一起构成金融包容的重要维度。对家庭金融包容需求侧与供给侧的探析,在一定程度上拓宽了金融地理学的内涵和外延。
[Abstract]:There are insufficient demand, potential demand, supply exclusion, mismatch of supply and demand and balance of supply and demand in mainstream banks, which is different from the traditional understanding that the higher the financial inclusion index is, the better the financial inclusion index is. The optimality of demand-level inclusion index is not necessarily equal to that of supply-level inclusiveness, and the lack of supply is not the only reason for financial exclusion. The same inducement of financial inclusion has different action intensity and different ways. The detailed personality analysis can reveal the marginal effect of each element on different kinds of financial inclusion, and the financial inclusion of micro and macro perspective is different. Inclusive finance is not equal to universal finance; financial inclusion requires a combination of "big data" and "thick data" and a household finance perspective with a country perspective. The analysis of the demand-side and supply-side of household financial inclusion broadens the connotation and extension of financial geography to a certain extent.
【作者单位】：浙江大学经济学院;郑州大学商学院;
【基金】：国家社会科学基金项目(15BJY166) 中国博士后科学基金面上项目(2014M561739) 河南省社会科学规划重大项目(2015A006)
【分类号】：F121;F832.4

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