金融排斥、金融密度与普惠金融——理论逻辑、评价指标与实践检验

发布时间：2018-05-01 22:02

本文选题：金融排斥 + 金融密度　；参考：《兰州大学学报(社会科学版)》2017年04期

【摘要】：克服了已有研究中关于金融排斥、金融包容与普惠金融在概念范畴和评价指标存在的混乱、重复的问题,引入金融密度概念,从理论逻辑上推演了三者之间的关系,设计了包含银行、证券与保险等三类金融服务主体的指标体系,编制了2010-2014年中国分省金融排斥、金融密度和普惠金融指数,利用面板固定效应模型和门限回归方法检验了地区金融排斥、金融密度的决定因素,测评了普惠金融在经济增长、收入分配和贫困减缓方面的效应。结果显示,我国存在金融排斥与金融密度的地区梯度效应;乡村人口占比高、国有企业占比高、金融市场化程度高、金融业竞争不激烈、交通便利程度低的地区,金融排斥程度更高。金融密度在居民、企业与地区经济层面显著差异;发展普惠金融能够促进经济增长,但在改善收入分配和贫困减缓方面的作用比较有限。
[Abstract]:It overcomes the confusion and repetition of financial exclusion, financial inclusion and inclusive finance in concept category and evaluation index, introduces the concept of financial density, and deduces the relationship between them theoretically and logically. This paper designs the index system of three kinds of financial service subjects, such as bank, securities and insurance, and compiles the index of financial exclusion, financial density and inclusive finance in China from 2010 to 2014. The panel fixed effect model and threshold regression method are used to test the determinants of regional financial exclusion and financial density, and the effects of inclusive finance on economic growth, income distribution and poverty alleviation are evaluated. The results show that there is a regional gradient effect of financial exclusion and financial density in China, where the proportion of rural population is high, the proportion of state-owned enterprises is high, the degree of financial marketization is high, the competition of financial industry is not fierce, and the degree of transportation is low. Financial exclusion is higher. The development of inclusive finance can promote economic growth, but it will play a limited role in improving income distribution and poverty alleviation.
【作者单位】：中央财经大学金融学院;
【基金】：国家社科基金重大项目(14ZDA044) 中央财经大学研究生科研创新基金项目(201603)
【分类号】：F832

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