摘要
本文依据2002～2011年中国银行业数据,在运用变异系数法确定权重的基础上构建普惠金融指数,对中国普惠金融的发展状况进行了综合评价,并进一步构建影响因素模型,实证检验四类因素对中国普惠金融发展的影响。研究表明,现阶段中国普惠金融的发展虽历经波折但整体状况良好,其发展以现有金融机构在从业人员和机构网点方面的扩张为主导,但不可忽视存、贷款占比提高的同步性;同时,应采取加强交通基础设施建设、发展农业等弱势产业、缩小城乡收入差距、降低宏观金融政策调整频率等措施,改善金融、经济、社会各方面的状况,协同推进普惠金融的发展。
Based on the data of the Chinese banks during 2002-2011, this paper uses variation coefficient method to deter- mine weight and construct inclusive finance indexes, comprehensively evaluate the development of China＇s inclusive finance, and further build a factor model to test the impacts of four kinds of factors on the development of China＇ s inclusive finance. The results show that, though China＇s inclusive finance has experienced frustration, as a whole, it develops well currently and out- spreads mainly on the basis of the staffs and networks of existing financial institutions. But it can＇ t be ignored that deposits and loans increase synchronously. Meanwhile, measures should be taken to strengthen the construction of traffic infrastructure facili- ties, develop weak industries such as agriculture,etc., decrease income gap between urban and rural areas, reduce the frequency of macro-financial policy adjustment, improve the status of finance, economy, society, etc. so as to promote the development of inclusive finance together.
出处
《金融论坛》
CSSCI
北大核心
2013年第6期31-36,共6页
Finance Forum
基金
教育部人文社会科学研究"基于金融排除理论的普惠金融体系构建及对策研究"(10YJA790071)项目的阶段性成果
关键词
普惠金融
普惠金融体系
普惠金融指数
银行业
inclusive finance
inclusive finance system
inclusive finance index
banking sector
