西部多民族地区普惠金融发展水平及影响因素研究

Analysis on the Development Level and Influencing Factors of Inclusive Finance in Western Multi-ethnic Areas

使用CPIFI普惠金融测度方法,选取地理维度渗透性、人口维度接触性、产品使用效用性3个维度6个指标,对2011～2016年宁夏、四川、甘肃、青海、贵州、新疆、云南普惠金融发展水平进行测度,结果显示,宁夏、四川、甘肃、青海、贵州普惠金融位于中等水平,新疆、云南水平较低,随后比较了东西部地区、西部多民族地区普惠金融发展水平的差距。通过建立个体固定效应模型对西部多民族地区普惠金融发展水平影响因素进行分析,得出产业发展水平、政策支持力度和交通便利程度对实现西部多民族地区普惠金融发展具有显著的正向作用。提出应加快金融网点布设,创新金融产品和服务;提高经济发展水平,加大政策扶持力度;提高信息化水平,打造西部多民族地区普惠金融发展的良好环境。

The CPIFI inclusive finance measurement method was used to measure the development level of in.clusive finance in Ningxia,Sichuan,Gansu,Qinghai,Guizhou,Xinjiang and Yunnan from 2011 to 2016.The results showed that the level of inclusive finance in Ningxia,Sichuan,Gansu,Qinghai and Guizhou was at the medium lev.el,while that in Xinjiang and Yunnan was relatively low.Subsequently,the gap between the development level of in.clusive finance in the eastern and western regions and the western multi-ethnic regions was compared.By establish.ing the individual fixed effect model to analyze the influencing factors of the development level of inclusive finance in western multi-ethnic regions,it is concluded that the level of industrial development,the strength of policy sup.port and the degree of traffic convenience have significant positive effects on the realization of inclusive finance de.velopment in western multi-ethnic regions.The article puts forward that we should accelerate the establishment of fi.nancial outlets and innovate financial products and services,improve the level of economic development,increase policy support,improve the level of informatization,and create a good environment for the development of inclusive finance in western multi-ethnic areas.