基于因子分析的广东省地级市普惠金融水平测度

Inclusive Financial Level Measurement of Prefecture-level Cities in Guangdong Province based on Factor Analysis

普惠金融强调的是金融服务的可获得性,即金融的渗透性和使用度。广东作为全国改革开放走在前沿的省份之一,其金融发展对经济增长具有重要影响力。通过运用因子分析法测度2016年广东省各市的普惠金融水平,运用聚类分析法探究各市的金融发展差异,发现省内经济较发达的城市普惠金融水平较高,大部分地处粤东、粤西、粤北地区的城市普惠金融水平较低。前者需重视城市产业结构升级,注重金融科技使用;后者需多措并举构建适应地方特色的普惠金融体系。

Inclusive finance emphasizes the availability of financial services, which is the penetration and use of finance. As one of the provinces where national reform and opening up is leading, Guangdong＇s financial development has an important influence on its economic growth. The author uses factor analysis to measure the inclusive financial level of cities in Guangdong province in 2016, and uses cluster analysis to explore the differences of cities in financial development. It is discovered that the more developed cities in the province have higher levels of inclusive finance, while most of the cities in the eastern, western and northern regions of Guangdong have lower levels of inclusive finance. The former needs to emphasize the upgrading of the industrial structure of the city and pay attention to the use of financial technology; while the latter needs to take multiple measures to build an inclusive financial system featuring regional characteristics.