云南省普惠金融基础设施建设效果影响因素探析

Analysis of Influencing Factors on Infrastructure Construction of Inclusive Finance in Yunnan

本文基于云南省16个州市579个惠农点和134台ATM的微观业务数据及当地宏观数据,采用回归模型研究普惠金融基础设施建设效果的影响因素,以为下一步普惠金融向纵深发展提供实际指导建议。研究发现:金融机构对惠农支付业务的宣传、对惠农点存在问题进行及时有效解决等主观因素是惠农点能否有效实现普惠功能的关键所在;目前农村地区的金融服务需求并未完全释放,在交易活跃地区可适当增设惠农支付点;在对普惠金融基础设施建设规划中,需统筹考虑建设成本效益及移动支付的发展,避免重复、低效的建设支出。

Based on macro and micro data of 579 rural payment service stations and 134 ATMs in rural area from 16 cities in Yunnan, this paper study the influence factors on infrastructure construction of inclusive finance in Yunnan. The research finds that factors such as the publicity and timely and effectively solution to any faults of these infrastructures are quite important. At present,the demand for financial services in rural areas has not been completely released. In the areas where transactions are active, additional rural payment service stations can be added. In the planning of infrastructure constructio,kn of inclusive finance, we need to consider cost effectiveness and the development of mobile payment as a whole, so as to avoid inefficient expenditures.