新疆普惠金融水平测度评价及影响因素分析

发布时间：2018-11-06 14:52

【摘要】：2013年底,十八届三中全会通过《中共中央关于全面深化改革若干重大问题的决定》,正式提出“发展普惠金融,鼓励金融创新”。这是“普惠金融”首次写入党的执政纲领,普惠金融逐渐成为学术界研究的热点问题。本文以新疆维吾尔自治区85个县域为研究对象,构建其普惠金融体系,测度评价了85个县域的普惠金融发展水平,进一步探求了影响新疆维吾尔自治区普惠金融水平的因素,这对提高新疆维吾尔自治区普惠金融水平,加速其转型发展的实现具有一定的现实指导意义。本文在对国内外学者关于普惠金融的测度及影响因素的研究成果进行归纳梳理的基础上,首先对新疆维吾尔自治区金融发展的基本情况做了描述性统计和分析,进一步对2014年新疆维吾尔自治区85个县域的普惠金融水平进行测度分类和评价。研究表明:新疆维吾尔自治区普惠金融水平普遍偏低,呈高、中、低三类,普惠金融中低水平县域是主体构成,占比89.41%;区域分布特征明显,普惠金融水平较高地区主要集中在北疆地区,普惠金融水平低的地区主要集中于南疆地区。最后,探究了影响新疆维吾尔自治区普惠金融发展水平的主要因素。研究发现,城镇化率、地区经济发展水平、金融发展效率和储蓄水平是新疆维吾尔自治区普惠金融发展水平的主要影响因素,且具有正向推动作用;信息化水平、城乡居民收入差距以及教育水平在一定程度上也影响了新疆维吾尔自治区普惠金融水平。基于上述研究结论,针对如何提高普惠金融水平提出了相应的对策建议。本文对新疆维吾尔自治区85个县域的普惠金融发展状况的测度评价及其影响因素的研究,为衡量新疆维吾尔自治区的普惠金融水平提供了科学合理的依据,丰富了现有的关于县域普惠金融发展的研究成果。在实践中,有助于制定进一步有效提高新疆维吾尔自治区的普惠金融水平的相关政策和措施,助推资源型省份新疆维吾尔自治区的转型跨越发展的实施。
[Abstract]:At the end of 2013, the third Plenary session of the 18th CPC Central Committee adopted the "decision of the CPC Central Committee on comprehensively deepening Reform", formally proposing "developing inclusive finance and encouraging financial innovation." This is the first time to write the ruling program of inclusive Finance, which has gradually become a hot issue in academic circles. This paper takes 85 counties of Xinjiang Uygur Autonomous region as the research object, constructs its inclusive financial system, measures and evaluates the development level of inclusive finance in 85 counties, and further explores the factors that affect the inclusive financial level of Xinjiang Uygur Autonomous region. It is of practical significance to improve the inclusive finance level of Xinjiang Uygur Autonomous region and accelerate the realization of its transformation and development. On the basis of summarizing and combing the research results of domestic and foreign scholars on the measurement and influencing factors of inclusive finance, this paper firstly makes descriptive statistics and analysis on the basic situation of financial development in Xinjiang Uygur Autonomous region. The inclusive financial level of 85 counties in Xinjiang Uygur Autonomous region in 2014 is further classified and evaluated. The research shows that: the financial level of inclusive finance in Xinjiang Uygur Autonomous region is generally low, showing three types: high, middle and low, and the county region with middle and low level of inclusive finance is the main body, accounting for 89.41%; The characteristics of regional distribution are obvious. The high level of inclusive finance is mainly concentrated in northern Xinjiang, and the low level of inclusive finance is mainly concentrated in southern Xinjiang. Finally, it explores the main factors that affect the development level of inclusive finance in Xinjiang Uygur Autonomous region. It is found that the urbanization rate, the level of regional economic development, the efficiency of financial development and the level of savings are the main factors affecting the development level of inclusive finance in Xinjiang Uygur Autonomous region. The level of informatization, the income gap between urban and rural residents and the level of education also affect the inclusive financial level of Xinjiang Uygur Autonomous region to a certain extent. Based on the above conclusions, this paper puts forward some countermeasures and suggestions on how to improve the inclusive finance level. This paper studies the measurement, evaluation and influencing factors of inclusive finance in 85 counties of Xinjiang Uygur Autonomous region, which provides a scientific and reasonable basis for measuring the level of inclusive finance in Xinjiang Uygur Autonomous region. Enrich the existing research on county inclusive financial development results. In practice, it is helpful to formulate relevant policies and measures to further improve the inclusive financial level of Xinjiang Uygur Autonomous region, and to promote the implementation of the transformation and leapfrogging development of Xinjiang Uygur Autonomous region, a resource-based province.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.7

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