普惠金融促进共享发展的路径——基于普惠金融三维度的视角

On Financial Inclusion Promoting Shared Development——From the Perspective of Three Dimensions of Financial Inclusion

目前学界对普惠金融促进共享发展已达成共识,但鲜有文献对普惠金融各维度在不同地区的支持程度进行研究。本文利用2006年—2016年的面板数据进行分区回归分析,解释不同的地理区域普惠金融各维度对共享发展的贡献程度。研究表明:在中西部地区和边疆地区,金融服务使用基础、使用情况、服务质量均落后于东部地区,基础设施建设、政府干预、产业结构调整、人力资本投入的作用在中西部地区和边疆地区明显优于东部地区,而产业结构升级在东部地区的作用比较显著。

There have been reached a consensus about the financial Inclusion promoting the shared development,but there is little literature about the research on the extent of the support of all dimensions of inclusive finance in different regions for the shared development.We uses zonal regression analysis of the panel data from 2006—2016,and explain how each dimension of inclusive finance contributes to the shared development in different regions.The research proved that the use basis,use conditions and service quality of financial services in the central and western regions as well as frontier regions lag behind those in the eastern region,and infrastructure,government intervention,industrial restructuring,and human capital investment in the central and western regions and border areas were significantly better than those in the eastern region,however the upgrading of industrial structure in the eastern region is more significant role.