湖北农村信息化水平与普惠金融发展的相关性研究

发布时间：2018-04-18 08:01

本文选题：信息化技术 + 信息化发展指数　；参考：《华中农业大学》2017年硕士论文

【摘要】：普惠金融意在为小微企业、农民、城镇低收入人群等弱势群体提供适当、有效的金融服务,填补传统金融服务忽视地区的“金融空白”。各项政策措施的出台使得普惠金融的发展有了长足的进步,然而政府的大力支持并不能完全解决地域偏远、经济落后县域地区的各种金融难题,如社会征信系统发展滞后;缺乏健全的信息共享机制;金融交易频率仍较低;金融机构投入金融产品和服务的意愿不强;金融创新能力普遍不足等。信息经济学理论认为,信息技术对经济增长和金融发展具有重要作用,其便捷性、低成本性、安全性等优势能在一定程度上提高金融的发展效率和普惠程度。这种通过运用新的信息技术,使以知识和信息为基础的生产效率得以提高的过程即为信息化过程,因此,全面提升县域信息化发展水平,可以有效改善县域金融服务的环境,促进县域地区金融活动的发展。本文从产业发展视角出发,运用信息资源水平、信息基础设施建设、信息技术应用、信息产业发展、信息化人才以及信息化外部环境六个维度形成了信息化发展水平测评体系,综合考虑框架中的基础设施、信息资源、人才资源和技术应用等多方面因素,并通过金融服务可得性、金融服务使用情况和金融产品与服务质量三个维度构建了普惠金融测度框架,再使用湖北省2006-2014年的县域数据计算出各县各年的信息化发展指数和普惠金融指数,以直观的图表方式反映测度结果,并对各县域信息化发展水平和普惠金融发展水平进行区域划分和现状分析,最后以信息化水平和普惠金融水平为研究对象,建立面板数据模型实证探究二者之间的相关性。研究结果表明:2006-2014年湖北省县域信息化水平总体发展态势较好,普惠金融发展总体情况良好。从地域分布来看,湖北省中、东部县域信息化发展水平较高,西部县域水平较低;中部江汉平原地区县域普惠金融水平较高,少数民族地区、边缘交界地带发展欠佳。从模型估计结果来看,在湖北省农业、政府、财政、教育和金融机构等各个部门协同合作的条件下,发展县域信息化水平能进一步有效提高普惠金融程度。因此,为促进县域普惠金融的发展,本文提出推广移动银行、智能支付、电子化金融等信息技术应用,鼓励运用“互联网金融”模式解决融资问题,加强信息化基础设施建设以深化网络应用,提升县域农业“互联网+”的渗透率及推进电商金融业务发展等政策建议。
[Abstract]:Inclusive finance is intended to provide appropriate and effective financial services to small and micro enterprises, farmers, low-income groups in cities and towns, and to fill the "financial gap" in areas neglected by traditional financial services.The introduction of various policies and measures has made great progress in the development of inclusive finance. However, the government's strong support can not completely solve all kinds of financial problems in remote areas and economically backward counties, such as the development of social credit system lags behind;Lack of sound information sharing mechanism; the frequency of financial transactions is still low; the willingness of financial institutions to invest in financial products and services is not strong; the ability of financial innovation is generally inadequate.The theory of information economics holds that information technology plays an important role in economic growth and financial development, and its advantages such as convenience, low cost and security can to a certain extent improve the efficiency of financial development and the degree of inclusiveness.This process of improving production efficiency based on knowledge and information through the use of new information technology is the process of informatization. Therefore, comprehensively improving the level of information development at the county level can effectively improve the environment of financial services at the county level.To promote the development of regional financial activities at the county level.From the perspective of industrial development, this paper forms an information development level evaluation system based on six dimensions: the level of information resources, the construction of information infrastructure, the application of information technology, the development of information industry, the information talents and the information external environment.Taking into account a wide range of infrastructure, information resources, human resources and technology applications in the framework, and through the availability of financial services,Three dimensions of financial service use and financial product and service quality construct inclusive financial measurement framework, and then use the county data of Hubei Province from 2006 to 2014 to calculate the informatization development index and inclusive financial index of each county in each year, and then use the data of Hubei Province from 2006 to 2014 to calculate the informatization development index and inclusive financial index of each county.This paper presents the measurement results in an intuitive chart, and analyzes the regional division and current situation of the development level of informatization and inclusive finance in various counties. Finally, it takes the level of informatization and the level of inclusive finance as the research object.Establish panel data model to explore the correlation between the two.The results show that the overall level of county informatization in Hubei Province from 2006 to 2014 is good, and the overall development of inclusive finance is good.From the regional distribution point of view, in Hubei Province, the level of information development in eastern counties is higher, the level in western counties is lower; in the central Jianghan Plain, the level of inclusive finance in counties is relatively high, and the development of minority areas and borderline areas is poor.According to the results of model estimation, under the condition of cooperative cooperation among agriculture, government, finance, education and financial institutions in Hubei Province, the development of county level of informatization can further improve the level of inclusive finance.Therefore, in order to promote the development of county inclusive finance, this paper proposes to promote the application of information technology, such as mobile banking, intelligent payment, electronic finance and so on, to encourage the use of "Internet finance" model to solve financing problems.Strengthen the construction of information infrastructure to deepen the network application, improve the penetration of the county agricultural "Internet" and promote the development of e-commerce and financial services and other policy recommendations.
【学位授予单位】：华中农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F323.3;F832.7

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