基于主成分因子分析法的普惠金融绩效分析

An Analysis on Performance of Inclusive Finance Based on Principal Component Analysis

本文选择北京作为标杆、五个自治区作为对比分析对象,基于金融服务的使用基础、使用情况、服务质量三个维度,构建七个子维度含14个变量,采用主成分因子分析法对六个省市普惠金融实施绩效进行测算及对比分析,以找出影响普惠金融实际效果的关键因素,并提出改进建议。本文尝试为精准量化研究普惠金融发展绩效提供可行的路径与范例,探究一种测算普惠金融绩效的具体方法,明确普惠金融绩效的影响因素,找到提升普惠金融绩效的策略。

This paper chooses Beijing as the benchmark and five autonomous regions as the objects for comparative analysis.Based on the three dimensions of financial services,current situation of its application as well as the quality of services,this paper has formed seven sub-dimensions composed of 14 variables,and adopted principal component analysis for measuring the performance of inclusive finance among the six provinces and cities.Through the comparative analysis,the paper finds out the key factors that influence the actual effect of inclusive finance,and puts forward suggestions for improvement.This paper attempts to provide a feasible way and example for accurately measuring the performance of inclusive finance,explore a specific method to reckon its performance,elucidate the factors that affect its performance,and find strategies to improve its performance.