普惠金融指数的构建及国际考察

The Computation and International Inspection of Financial Inclusion Index

文章利用国际货币基金组织开展的＂金融接触调查＂所公布的数据,构建普惠金融评价体系,考察2013年28个国家与地区的普惠金融发展近况,同时也对2008~2013年期间37个国家与地区普惠金融发展状况做了长期考察。总体来看我国的普惠金融指数排名在样本中处于前列,我国普惠金融的主要不足之处在于服务范围方面,特别是人口维度的ATM数量和商业银行分支机构数量,以及地理和人口维度上的保险公司数量。该问题大部分可以归因于我国的人口众多;同时我国保险市场较为落后,有待发展。

This paper establishes the evaluation system of inclusive finance by using the outward ＂Financial Access Survey ＂ database announced by IMF to study the financial inclusion index of 28 jurisdictions in 2013 to show the current situation and the index of 37 jurisdictions from 2008 to 2013 to reveal changes in the development of inclusive finance.As a result, the financial inclusion index for China ranks front in the sample, and the main weakness is service area, especially the number of ATMs and commercial bank branches in terms of demography and insurance corporations in terms of demography and geography,due to the large population in China. The insurance market in China is fairly weak and expected to be improved.