基于主成分分析法的欠发达地区普惠金融发展问题研究——以甘肃省陇南市为例

The Research on the Development of the Inclusive Finance in Less Developed Areas Based on Principal Component Analysis——A Case of Longnan City in Gansu Province

普惠金融立足于机会平等,体现共享理念,对于解决欠发达地区贫困问题,促进经济发展方式转型升级、实现社会经济包容协调可持续发展具有十分重要的现实意义。本文选取2010-2015年陇南市普惠金融发展主要指标构建评价体系,运用主成分分析法评价各年度普惠金融发展水平,提出扩大金融机构物理网点覆盖率、加快金融基础设施建设、加强金融机构从业人员队伍建设、创新"三农"、扶贫、小微企业等社会弱势群体金融服务产品和方式、优化区域金融生态环境等促进欠发达地区普惠金融发展的建议。

The inclusive finance is based on opportunity equality, reflects sharing ideas, is of very important practical signifi- cance to solve the problem of poverty in less developed areas, promote the transformation and upgrading of the economic development pattern and achieve the sustainable social economic development. The paper selects main indicators of inclusive financial development from 2010 to 2015 in Longnan city to build an evaluation system, uses the principal component analysis to evaluate the development level of the inclusive finance of each year, and puts forward some suggestions on promoting the development of the inclusive finance in less developed areas such as expanding the physical network coverage of financial institutions, speeding up the financial infrastruc- ture construction, strengthening staff of financial institutions, bringing innovation to financial services products and methods provided for social vulnerable groups like farmers, rural areas, agriculture, poverty alleviation and micro and small enterprises, and optimizing the regional financial ecological environment.