普惠金融发展的测度体系与影响因素研究——以广东省为例

A Measurement System and the Affecting Factors of Inclusive Finance Development: A Case Study of Guangdong

本文基于Sarma普惠金融指数,结合中国的实际情况,构建了适合我国普惠金融发展水平的测度体系,并运用该体系实证检验了广东省的社会、制度、经济等环境因素对普惠金融发展水平的具体影响。该测度体系包括金融服务可得性、金融服务使用度、金融服务质量等三个方面共10项具体指标。实证结果表明,信息化水平、人均GDP、政府支持水平对提高金融发展水平有正向影响;而城乡收入差距则负向影响显著。针对这一结论,本文提出了加强普惠金融信息化建设、提高政府普惠金融政策实施的有效性、缩小城乡差距等相关建议。

Based on Sarma's Inclusive finance index and combining with the actual situation of China, this paper constructs a measurement system for the inclusive finance of China, which includes 10 specific indicators of three categories: financial service availability, financial service usage and financial service quality. With this system, this paper examines the effects of social, institutional, economic and other environmental factors on the development level of inclusive finance in Guangdong province. The empirical results show that informatization level, GDP per capita and government support have positive impacts on improving financial development. However, the urban-rural income gap has a significant negative impact. In view of these conclusions, this paper proposes some suggestions on strengthening the information construction of inclusive finance, improving the effectiveness of the implementation of inclusive finance policies of the government, and narrowing the gap between urban and rural areas.