普惠金融评估指数构建及其监管应用研究

发布时间：2018-04-24 08:48

本文选题：普惠金融 + 金融发展　；参考：《金融监管研究》2016年12期

【摘要】：发展普惠金融是银行业支持供给侧结构性改革、推进"补短板、惠民生"的重要渠道。然而,国内长期缺乏有效的标准来直接测度和清晰描述普惠金融发展水平与进程,政策的制定、实施与市场开发均缺乏数据支撑。为科学评估普惠金融发展现状及不同地区、不同机构间的差距,有效指导银行业监管工作开展,本文从金融服务的覆盖率、渗透率、便利性、服务质量以及区域特色五个维度出发,构建了福建银行业普惠金融评估指标体系"CPFQS",采用层次分析—模糊综合评价法(AHP-FCE)确定指标权重,并通过欧式距离法首次编制出福建辖区普惠金融发展指数以及分地区、分机构指数。在此基础上,本文探讨了普惠金融评估指数在准确衡量普惠金融发展进程、引导发现薄弱环节并针对性改进金融服务等监管实践中的运用,以及将该评估体系和指数从单个地区向全国复制推广的可行性。
[Abstract]:The development of inclusive finance is an important channel for banks to support supply-side structural reforms and to promote "making up for weaknesses and benefiting people's health". However, for a long time, there is a lack of effective standards to measure and clearly describe the level and process of inclusive finance development, policy formulation, implementation and market development are all lack of data support. In order to scientifically assess the current situation of inclusive finance and the gap between different regions and institutions, and effectively guide the banking supervision, this paper focuses on the coverage, penetration and convenience of financial services. Based on the five dimensions of service quality and regional characteristics, this paper constructs the index system of Fujian banking inclusive financial evaluation "CPFQS", and uses the analytic hierarchy process (AHP)-fuzzy comprehensive evaluation method to determine the index weight. The index of inclusive financial development and the index of regional and sub-organization are compiled by European distance method for the first time. On this basis, this paper discusses the application of inclusive financial evaluation index in accurately measuring the development process of inclusive finance, guiding the detection of weak links and improving the supervision practice of financial services. And the feasibility of replicating the evaluation system and index from a single region to the whole country.
【分类号】：F832.4

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