西部地区普惠金融发展测度与影响因素研究

发布时间：2018-02-14 00:13

本文关键词： 普惠金融指数金融排斥金融包容性　出处：《贵州财经大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着金融业不断的发展,经济实力较强和落后的国家,或者是区域内分化的经济实体,在金融服务和产品供给方面总会遭到金融机构的选择和排斥。2014年,世界银行发布的《全球金融包容性指数》报告显示,发展中国家一半成年人没有银行账户,贫困家庭遭受金融排斥的现象较为严重,总体来看,全球范围内无银行账户的成年人仍然达到20亿人。2005年,联合国宣传小额信贷时首次使用普惠金融的概念,倡导的理念是处于弱势的金融需求主体,在需求范围内均能有尊严、平等的获得金融服务。国内普惠金融的发展同样备受重视,2013年,十八届三中全会重点提出要大力发展普惠金融,推动金融创新;2015年,中央全面深化改革领导小组第十八次会议通过了《推进普惠金融发展规划(2016-2020年)》。本文对西部地区普惠金融的研究遵循了应用经济学研究的方式,包含了理论—实证—对策的层层深入研究的一般过程,以普惠金融发展的现实意义为出发点,以测度西部地区普惠金融发展与影响因素为目的,然后进行深入的理论分析和国内外实践经验阐述,运用统计分析的方法和手段,实证西部地区普惠金融的现实表现并分析西部地区普惠金融影响因素。本文认为,西部综合普惠程度在使得获得性和使用情况、互联网金融服务创新和农村普惠金融方面都比其它区域发展落后,西部12省市内部的普惠金融发展存在不均衡现象,经济较为发达的重庆、陕西、四川等省市,普惠金融程度比较好,相对发展落后的西藏、青海、甘肃、宁夏等省市普惠金融发展也相对落后;在影响因素方面,西部地区交通不便、网民普及率较低、城镇化进程缓慢等现象造成人口聚集程度低、互联网金融发展滞后,间接影响产生西部地区普惠金融发展不足和内部不均衡现象。最后,从正确处理政府与市场关系、借助金融创新、加强金融基础设施建设与教育以及国际经验借鉴方面,对发展西部地区普惠金融提出建议。
[Abstract]:With the continuous development of the financial industry, countries with relatively strong economic strength and backwardness, or economic entities that are divided within the region, will always be selected and excluded by financial institutions in terms of financial services and product supply. In 2014, The World Bank's Global Financial inclusion Index (GIFI) report shows that half of adults in developing countries do not have bank accounts and poor households suffer more from financial exclusion. In 2005, the United Nations promoted the concept of inclusive finance for the first time, advocating the idea of being in a vulnerable financial need subject to dignity within the scope of demand. Equal access to financial services. The development of inclusive finance in China has received the same attention. In 2013, the third Plenary session of the 18 Central Committee focused on developing inclusive finance and promoting financial innovation; 2015, The 18th meeting of the Central leading Group on Comprehensive deepening Reform adopted the "promoting inclusive Financial Development Plan 2016-2020". The research of inclusive finance in western China follows the method of applied economics research. It includes the general process of deep research of theories, positivist and countermeasures, with the practical significance of inclusive finance as the starting point, and the purpose of measuring the development and influence factors of inclusive finance in the western region. Then it makes a deep theoretical analysis and domestic and foreign practical experience elaboration, using the method and means of statistical analysis, empirical analysis of the reality of inclusive finance in the western region and analysis of the impact factors of inclusive finance in the western region. The degree of comprehensive inclusion in the western region makes the situation of access and use, the innovation of Internet financial services and the development of rural inclusive finance lags behind those of other regions, and the development of inclusive finance in 12 provinces and cities in the western region is not balanced. The relatively developed provinces and cities of Chongqing, Shaanxi, Sichuan, and other provinces and cities have relatively good degree of inclusive finance, and relatively backward development of Tibet, Qinghai, Gansu, Ningxia and other provinces and cities, and the development of inclusive finance is also relatively backward; in terms of influencing factors, In the western region, such phenomena as inconvenient transportation, low popularization rate of Internet users, slow urbanization, etc., resulting in low population concentration, lagging Internet financial development, and indirectly affecting the lack of inclusive financial development and internal imbalance in the western region. From the aspects of correctly handling the relationship between the government and the market, strengthening the financial infrastructure construction and education, and drawing lessons from the international experience, the author puts forward some suggestions for the development of inclusive finance in the western region.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832

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