金融密度的省际差异及其决定因素——基于四层次三维度空间分布评价系统的构建与实证检验

发布时间：2018-09-12 07:57

【摘要】：金融密度是金融排斥的结果,也是金融包容性发展改进路径的起点。长期以来,我国正规金融体系的倾向性资源配置行为直接导致了金融密度的省际差异,推进普惠金融发展需要全面把握金融密度的状态,而对金融密度的评测检验需要新的方法。笔者构建了基于人口、地理、企业、产业四个层次,银行、证券、保险三个维度的金融密度指标体系和大类指数,从理论和实证两方面检验金融密度地区差异的决定因素。研究发现:我国东部地区的人口、地理、产业金融密度水平远高于中、西部地区,但企业金融密度不存在明显的区域性差异;在金融密度决定方面,乡村人口占比低、教育程度高、人均收入高、信息化水平越高的城市,人口金融密度越高;地理金融密度受手机地理覆盖率的影响;金融资源在企业间的配置状态由国有企业占比、企业财务杠杆比率以及企业信息化指数决定;产业金融密度则主要取决于区域产业结构。因此,建设普惠金融体系需要从调整决定金融密度差异性的关键因素入手进行顶层设计。
[Abstract]:Financial density is the result of Financial Exclusion and the starting point of the improvement path of financial inclusiveness. For a long time, the disposition of resources in China's formal financial system has directly led to the inter-provincial differences in financial density. To promote inclusive financial development, we need to grasp the state of financial density in an all-round way. The author constructs a financial density index system and a class index based on population, geography, enterprise, industry, bank, securities and insurance, and examines the determinants of regional differences in financial density from both theoretical and empirical aspects. Higher than the middle and Western regions, but there is no obvious regional difference in the financial density of enterprises; in terms of financial density, rural population proportion is low, education level is high, per capita income is high, the higher the level of information technology city, the higher the population financial density; geographical financial density is affected by the geographical coverage of mobile phones; financial resources allocation among enterprises The proportion of state-owned enterprises, the ratio of financial leverage and the index of enterprise informationization determine the position of the system. The Industrial Financial density mainly depends on the regional industrial structure.
【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“金融排斥、金融密度差异与信息化普惠金融体系建设研究”(批准号:14ZDA044) “中国—东盟研究院‘教育部长江学者和创新团队发展计划’(合同号:CWZD201401)”支持中央财经大学研究生科研创新基金项目“我国金融密度的省际差异及其影响因素分析——基于四层次金融密度指标体系的构建与测算”(项目编号:201603)
【分类号】：F832.7

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