金融排斥空间效应与影响要素研究--基于云南省的实证分析

A Study on the Spatial Effects and Influencing Factors of Financial Exclusion: An Empirical Analysis Based on Yunnan Province

以云南省作为研究对象,以16个州市2011-2017年面板数据作为研究样本,通过空间分析并建立空间模型考察了云南16个州市金融排斥的空间特征及其影响因素。结果显示:在空间特征上,云南省16个州市金融排斥程度较深,且存在全局正向空间相关性,局部上大多州市稳定并聚集在"HH"区域;在影响因素上,政府干预、城市化水平、交通运输、产业结构与科学教育对云南省的金融排斥有着显著的负向影响,城乡收入分配结构对云南省金融排斥有着正向影响。据此进一步提出了相关的政策建议。

This paper takes Yunnan Province as the research object, and uses the panel data of 16 cities in 2011-2017 as a research sample. Through spatial analysis and the establishment of a spatial model,the spatial characteristics and influencing factors of financial exclusion in 16 cities in Yunnan are investigated. The results show that: in terms of spatial characteristics, the degree of financial exclusion in the 16 cities of Yunnan Province is deep, and there is a global positive spatial correlation. Most of the cities in the local area are stable and concentrated in the"HH"area;The level of urbanization, transportation, industrial structure, and science education have a significant negative impact on financial exclusion in Yunnan Province. The distribution structure of urban and rural income has a positive impact on financial exclusion in Yunnan Province, although the economic foundation has a negative impact on financial exclusion. Based on this, this article further puts forward relevant policy recommendations.