东北三省普惠金融发展的影响因素实证分析

An Empirical Analysis of the Factors Influencing the Development of Inclusive Finance in the Three Northeastern Provinces

基于东北三省促进机会均等和收入均等的影响因素,采用地方经济发展水平、互联网普及率、受教育程度、金融贷款余额增长率四个方向的数据指标对东北三省普惠金融进行回归分析与主成分因子分析,发现地方经济发展水平、互联网普及率、受教育程度、金融贷款余额增长率对东北三省的普惠金融具有正向影响。因此,应从影响东北三省普惠金融发展的核心要素出发,更精准地干预普惠金融,促进东北三省普惠金融的良性发展,提高东北三省普惠金融发展水平。

Based on the influencing factors of promoting equal opportunity and equal income in the three northeastern provinces, the regression analysis and principal component factor analysis of inclusive finance in the three northeastern provinces are carried out by using the data indicators of the four directions of local economic development level, internet penetration rate, education level and growth rate of financial loan balance,it is found that the level of local economic development, Internet penetration, education level and the growth rate of financial loan balance have a positive impact on inclusive finance in the three northeastern provinces.Therefore, we should start from the core factors that affect the development of iInclusive finance in the three northeastern provinces, intervene in inclusive finance more accurately, promote the sound development of inclusive finance in the three northeastern provinces, and improve the level of inclusive finance in the three northeastern provinces.