广东省市际金融排斥度综合评价及空间格局演变

A Comprehensive Evaluation of the Intercity Financial Exclusion in Guangdong with an Exploration of Its Spatial Pattern

从金融服务的渗透度、使用度、效用度3个维度构建了省域尺度金融排斥的综合评价指标体系,借鉴人类发展指数的计算方法,对广东省2002年、2007年和2012年市际单元的金融排斥度进行综合评价;并结合Arc GIS的空间分析模块,对广东省市际金融排斥度的空间格局演化进行探讨。研究表明:1广东省金融排斥度的市际差异大且相对稳定,珠三角的金融排斥度远远低于外围区;2市际金融排斥度呈现显著的空间相关性和空间集聚特征,珠三角与外围区的金融排斥度空间差异显著,且演变格局基本保持稳定态势;3广东省金融排斥度区域差异格局演化受金融供给主体的战略选择、实体经济发展的客观需求、政府经济行为的诱导、社会文化与制度等多种因素相互作用影响。

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 Guangdong Province of China in 2002, 2007 and 2012 respectively by using Human Development Index, and then analyzed the spatial pattern of its evolution by integrating the Arc GIS spatial analysis mode. The research showed that: 1) While the disparity of intercity financial exclusion in Guangdong was large, and relatively stable, the financial exclusion was far lower in the Zhujiang River Delta than the surrounding areas; 2) The intercity financial exclusion showed significant spatial correlation and spatial gathering characteristics, with obvious spatial disparity between the Zhujiang River Delta and the surrounding areas and basically stable evolutionary pattern. 3) The evolution pattern of financial exclusion disparity in Guangdong was affected by many interacting factors such as the strategy of the financial provider, the objective demand of the real economy development, the guidance of government economic behavior, social culture and institutions etc.This article argues, to reduce the financial exclusion, what is important is to speed up the regional economic development, reinforce governmental regulation, to develop micro-finance, and to cultivate good institutional and cultural environment.