我国金融排斥程度省际差异的影响因素研究

近年来，越来越多的研究文献和我国的实际情况都表明我国各省区金融排斥程度状况存在较大的省际差异。为研究金融排斥省际差异的影响因素，文章在已有研究成果的基础上，从经济、社会、人文地理等三个方面构建了相应的评价指标体系，利用相关统计数据和Tobit模型进行了回归分析。计量结果显示，我国金融排斥程度的省际差异受地区工商业化水平、居民的收入水平、城市化水平、住房拥有状况、信息技术水平、地理特征、居民的受教育水平、人口年龄结构等因素的影响显著。根据计量结果，文章提出了要破解金融排斥难题需要促进各地区经济发展，政策要向中西部地区倾斜，提高各地区城市化水平，提高居民受教育水平等政策启示。

Factors Affecting Provincial Variation of Extents of Financial Exclusion in China

The extents of financial exclusion vary among provinces in China. examine the factors which con tribute to this variation, three categories, namely economic, social and humane factors are considered based on ex- isting literatures. Tobit model is applied to estimate the impact of factors of these three categories using provincial data. Empirical results indicate that geographical characteristics, household income and education level, urbaniza- tion degree, housing ownership and development of information technology, industry and commerce affect signifi- cantly the extent of financial exclusion. Based on the empirical results, the paper gives the policy implications to solve the problem of financial exclusion, such as promoting regional economic development, giving preferential pol- icy to central and western regions, enhancing urbanization degree and promoting residents education level.