金融排斥影响我国农民工市民化的实证分析

An Empirical Analysis of Financial Exclusion Affecting the Urbanization of Migrant Workers in China

针对弱势群体的金融排斥问题普遍存在,而我国农民工面临的金融排斥尤为严重。探究农民工面临的金融排斥对我国城市化进程的影响程度,利用CHFS数据,基于金融服务的渗透、使用度、效用度、承受度指标,采取probit模型和Tobit模型研究金融排斥对于农民工市民化的影响。实证研究结果表明,金融排斥影响因子显著影响农民工城市化深度,对农民工市民化的进程有显著减缓作用。为了完善城市与农村融合,从适合农民工的普惠金融体系建设、普惠金融产品供给和普惠金融供给监管三方面提出克服金融排斥、推进农民工市民化深化的政策建议。

The problem of Financial Exclusion for vulnerable groups is widespread,and the financial exclusion of migrant workers in China is particularly serious.This paper aims to explore the degree of Financial Exclusion faced by migrant workers and its impact on China's urbanization process.Based on index of penetration ratio、utility ratio、utility ratio and tolerance ratio of financial services,we adopt Probit-model and Tobit-model to study the influence of Financial Exclusion on urbanization of migrant workers by Using CHFS data.The empirical results show that Financial Exclusion factors significantly affect the depth of urbanization of migrant workers and there is a significant slowing effect on the process of urbanization of migrant workers.Finally,we put forward three policy proposals:constructing inclusive financial system which improving urban and rural integration and suitable for migrant workers,increasing supply of inclusive financial products and increasing supply regulation.