欠发达地区基于互联网的普惠金融发展模式研究——以福建南平为例

An Internet-based Development Model of Inclusive Finance for Underdeveloped Regions

我国欠发达地区经济体量小、人民收入水平不高、人口受教育程度偏低、普惠金融发展程度也有限,部分偏远地区和弱势群体无法得到有效、充分和公平的金融服务。本文以福建省南平市为例,将对普惠金融的定性分析与对金融排除的定量分析相结合,对普惠金融发展现状进行了实证研究。研究发现,欠发达地区普惠金融发展与其金融供给、需求和产品功能等方面密切相关。在此基础上,本文进一步剖析、揭示问题成因,并提出运用互联网技术,从扩大普惠金融宽度、增加普惠金融深度、提高普惠金融粘合度等五个方面来发展普惠金融的对策建议,以期为我国,尤其是经济欠发达地区推进和发展普惠金融提供具有可操作性的参考依据。

China＇s underdeveloped regions are characterized by small economies, low income per capita, low average education level and limited financial development. Therefore, people in remote regions and some vulnerable groups cannot enjoy effective, adequate or fair financial services. In this paper, we choose Fujian Nanping as an example, and combine the inclusive finance qualitative analysis and the quantitative analysis of financial exclusion to investigate the development of the inclusive finance. We find that the development of inclusive finance in underdeveloped regions is closely related to their financial demand, financial supply and financial products etc. We then analyze the causality and propose policy suggestions in five aspects to promote the development of inclusive finance in underdeveloped regions. These suggestions include the application of internet technologies, broadening the width of inclusive finance, deepening the depth of inclusive finance, enhancing the stickiness of inclusive finance.