金融包容与排斥状况对比研究——基于中美日韩四国居民调查数据

Finance Inclusion and Exclusion:A Cross-Country Analysis Based on Survey Data

从个体层面上对中美日韩四国居民的金融包容与排斥状况进行对比发现,性别、收入水平、受教育水平和年龄等因素在中国均对金融包容水平有显著影响。女性、低收入群体、低学历人群及老年人更容易受到金融排斥。对此提出四条政策建议:针对弱势群体加强金融服务支持,通过创新技术降低弱势群体金融使用门槛,通过互联网金融提升金融业服务小微企业水平以及加强进一步的调查研究。

Having compared the financial inclusion and exclusion between China,US,Japan and Korea,this paper finds that the overall financial inclusion level is low in China,and it is significantly affected by gender,income level,education level and age.Based on the result,this paper proposes four strategies,including enhancing the financial support for vulnerable group,reducing the financial threshold for vulnerable group,promoting the services for small and micro businesses through internet banking and augmenting further investigation.