新疆普惠金融发展水平测度及影响因素分析

Study on Development Level Measurement of Inclusive Finance and Its Influence Factors in Xinjiang

根据2007～2016年相关数据,对新疆普惠金融指数进行了测度及评价,并选取经济发展水平、城乡收入差距等8个变量对新疆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,新疆普惠金融指数受经济发展水平、城乡收入差距、互联网普及程度、银行存贷比、人均储蓄量5个变量的影响显著,并在此基础上,对推动新疆普惠金融的发展提出了相关建议。

Based on the relevant data from 2007 to 2016,this paper measures and evaluates the index of financial inclusion in Xinjiang,and selects eight variables including economic development level and urban-rural income gap to empirically analyze the factors influencing the index of financial inclusion in Xinjiang.The result shows that the index of financial inclusion in Xinjiang is significantly affected by economic development level,urban-rural income gap,Internet penetration,deposit and loan ratio of bank,per capita savings,and on this basis,it gives some suggestions for promoting the development of inclusive finance in Xinjiang.