金融发达地区是否存在金融排斥?——来自北京市老年人口的证据

Does Financial Exclusion to Elder People Exist in the Financial Developed Regions?

现有文献普遍支持金融服务相对落后的农村地区存在金融排斥,但在金融发达地区是否会明显改善?本文选取2006-2013年北京市16个区县全部的面板数据,运用空间计量方法探究金融发达地区老年人口金融排斥的普遍性。我们发现,在北京市样本范围内,老年人口占比与金融排斥程度显著正相关,老年人口金融排斥在金融发达地区依旧存在。收入与财富、金融认知、风险厌恶和健康支出是可能的影响路径。金融排斥很难随地区金融发展而消失,这一发现对于确定普惠金融政策的范围和力度具有借鉴意义。

It is generally supported that financial exclusion exists in rural areas where financial service lagged behind, but can this phenomenon be significantly relieved in the financial developed areas.9 To explore the financial exclusion against elderly population in financial developed areas, we choose 2006-2013 panel data from all the 16 districts in Beijing, based on spatial econometric method. Our results suggest that, within the scope of Beijing, the relationship between proportion of the elderly population and extent of the financial exclusion is significantly positive related. Therefore, the financial exclusion against elderly population in financial developed areas still exists. The affecting factors might be financial literacy, risk aversion, health cost, income and wealth. Our findings show that financial exclusion always exists in all areas, which might be helpful to determine the scope and intensity of financial inclusion relieving policy.