基于变异系数法对我国普惠金融发展水平测度的研究

Research on Measuring the Development Level of Inclusive Finance in ChinaBased on Coefficient of Variation Method

本文参考国内外关于普惠金融构建的模型,基于2006至2016年相关数据,在使用变异系数法确定权重的基础之上构建普惠金融指数,通过对中国普惠金融的发展情况,进而构建普惠金融的影响因素,经过实证检验发现现阶段中国的普惠金融发展状况整体良好,但是仍然存在城乡收入差距大等问题。应该注重建设基础设施、发展弱势产业、等,推动普惠金融的发展。

Referring to the models of Inclusive Finance at home and abroad, based on the relevant data from 2006 to 2016, this paper constructs inclusive financial index on the basis of using coefficient of variation method to determine the weight. Through the development of Inclusive Finance in China, the paper constructs the influencing factors of inclusive finance. Through empirical test, it finds that the overall development of Inclusive Finance in China is good at this stage. However, there are still some problems such as the large income gap between urban and rural areas. We should pay attention to the construction of infrastructure, the development of vulnerable industries, the reduction of the number of adjustments to macro-financial policies, the improvement of financial and economic conditions, and promote the development of inclusive finance.