陕西省普惠金融发展评价及影响因素分析

The Evaluation on the Development of Shaanxi Province's Inclusive Finance and the Analysis on Influencing Factors

本文选取陕西省2006—2015年相关数据,测度评价了陕西省普惠金融发展指数,并从经济相关程度、收入差距程度、便利程度、接受教育程度等四方面着手,对普惠金融指数的影响因素进行了实证分析与检验。结果表明,普惠金融指数与经济相关程度、互联网便利程度正相关,与收入差距程度负相关,而与接受教育程度不相关。在此基础上,对陕西省推进普惠金融发展提出了具有针对性的建议。

The paper selects the relevant data of Shaanxi province from 2006 to 2015, evaluates inclusive finance development index of Shaanxi province, and from four aspects of economic correlation, income gap degree, convenience degree and education level,makes an empirical study on the influencing factors of the inclusive financial index. The results show that the inclusive finance index is positively correlated with the degree of economic correlation and the convenience of the Internet, is negatively correlated with the income gap degree, and is not related to the education degree. Finally, the policy recommendations are made to promote the development of the inclusive finance of Shaanxi province.