城镇化背景下广西金融排斥水平分析

The Analysis of Guangxi's Financial Exclusion Level Under Urbanization

从金融渗透度、金融使用度、金融效用度三个维度构建了广西金融排斥综合评价体系,对广西各地金融排斥水平进行了分析。利用空间杜宾分析模型检验了广西城镇化背景下金融排斥的影响因素,结果表明:经济发展水平、财政支付能力、交通条件、城镇化率以及教育水平对抑制金融排斥有显著效果。并据此提出了促进经济增长、财政政策倾斜、金融政策扶持、增加教育投入等方面的政策建议。

Regarding the three dimensions of penetration, usage and effectiveness of financial Services, we constructed a comprehensive evaluation index system of financial exclusion and measured the intercity financial exclusion in Guangxi Province. By applying the spatial Durbin model, the paper analysis the influencing factors of Urbanization in Guangxi. The results shows that： economic development level, financial paying ability, transportation condition, urbanization ratio and Education level have significant effect on restraining financial exclusion. As a result, the paper puts forward some policy suggestion about economic growth, fiscal policy support ,financial policy support and Increasing investment in Education.