区域性金融包容水平趋同性及影响因子的统计考察

Statistical Investigation on Convergence of Regional Financial Inclusion Level and Its Influencing Factors

文章选取2007—2015年我国30个省级地区样本,在测算各地金融包容水平的基础上,实证检验了区域金融包容水平是否存在趋同性,并考虑了其影响因子。结果证明了我国区域金融包容水平存在趋同性,且在局部存在着三个"俱乐部趋同",其中由北京、天津、上海三市构成的聚类区域的金融包容水平趋同速度最快。区域经济发展水平、城乡收入分配、城镇化、信息化、对外开放、政府干预等都是影响金融包容水平趋同的重要因子。

This paper selects 30 Chinese provincial regions as samples from 2007 to 2015 and empirically tests whether there exists convergence of regional financial inclusion level, and also takes its influencing factors into account. The results show that China's regional financial inclusion level has convergence, and there are three local "club convergences*', among which the clustering region consisting of Beijing, Tianjin and Shanghai has the fastest convergence of financial inclusion level;regional economic development level, urban and rural income distribution, urbanization, informatization, opening to the outside world and government intervention are all important factors affecting the convergence of financial inclusion level.