我国各地区普惠金融发展程度的实证分析

2005年,联合国《普惠金融体系蓝皮书》首次提出普惠金融的概念,它的发展开始得到广泛关注。普惠金融又称包容性金融,是一种可以全方位有效地为全社会提供金融服务的金融理念。十八届三中全会《中共中央关于深化改革若干重大问题的决定》中,明确提出要发展普惠金融,让更多人享受到金融服务。基于主成分分析法,系统、全面地对普惠金融的发展进行研究,立足金融需求研究影响普惠金融发展的因素,并提出促进我国普惠金融发展的相关建议。

Empirical analysis of development degree of inclusive finance in various regions in China

In 2005, the conception of inclusive finance was proposed in the Blue Book of Inclusive Financial System released by United Nations for the first time, and the development of it attracts widespread concern. It is a financial philosophy that is to provide financial services for the whole society comprehensively and efficiently. In the Decision of Several Major Issues of Deepening Reform of CPC Central Committee released after the 3rd Plenary Session of 18th CPC National Congress, it is clearly pointed out that inclusive finance should be developed so as to provide financial services for more people. Based on principal component analysis, the development of inclusive finance is studied systematically and comprehensively. The influencing factors of the development of inclusive finance are studied from perspective of financial demand, and relative suggestions are brought forward of promoting the development of inclusive finance in China.