普惠金融、金融服务均衡化与区域经济发展——基于中国省际面板数据模型的研究

Inclusive Finance,Financial Services Equalization and Regional Economic Development:Empirical Test Based on the Panel Data Model of Chinese Provinces

发展普惠金融是世界各国普遍关注的课题。依托普惠金融发展指标,构建综合的中国区域金融发展指数(IFI),并在此基础上通过面板数据模型进一步定量分析普惠金融发展对区域经济增长的作用效应。研究结果显示,近十年来我国普惠金融发展十分迅速,但区域之间发展不平衡,呈东、中、西部梯度递减的格局;普惠金融促进区域经济增长效应显著,但作用效果存在地区差异;此外,普惠金融发展在经济增长中的作用大于金融深化所起的作用。

Development of Inclusive Finance is a worldwide problem.At present,the empirical research of Inclusive Finance and regional economic development is relatively insufficient,so this paper through the development of inclusive financial indicators of the construction of China’s regional financial development index(IFI),and integrated on the basis of the panel data model to analyze the intrinsic quantitative relationship between inclusive financial development and regional economic growth.The results of the study showed that China’s rapid development of Inclusive Finance,but the uneven development between regions,in the East,Central and Western gradient decreasing pattern,and Inclusive Finance in economic growth has played an important role,while there are differences between the area effects.In addition,the development of Inclusive Finance function in the economic growth is greater than that of financial deepening the role.Finally this paper put forward countermeasures and suggestions to further deepen China’s development of inclusive finance.