黑龙江省各地区普惠金融发展水平测度研究

Research on the Measurement of the Development Level of Inclusive Finance in Various Regions of Heilongjiang Province

普惠金融是通过建立金融服务体系为金融弱势群体提供有效的金融服务,是包容性金融发展的关键支柱之一,对金融发展具有重要意义。通过选取2015—2018年黑龙江省12个地市数据,从金融服务的可用性、金融服务的使用程度和金融服务的贡献程度来测度黑龙江省的普惠金融水平。通过分析测量结果发现,黑龙江省的普惠金融发展水平在少数城市处于中等水平,而大多数城市的普惠金融发展水平也较低。根据测评结果,对黑龙江省普惠金融发展提出建议,以促进互联网金融发展,提高普惠金融普及率,缩小区域差距,促进普惠金融均衡发展。

Inclusive finance is to provide effective financial services for financial vulnerable groups by establishing a financial service system.It is one of the key pillars of inclusive financial development and is of great significance to financial development. By selecting the data of 12 prefectures and cities in Heilongjiang Province from 2015 to 2018, the inclusive finance level of Heilongjiang Province is measured from the availability of financial services, the use degree of financial services and the contribution degree of financial services. Through the analysis and measurement results, it is found that the development level of inclusive finance in Heilongjiang Province is at the medium level in a few cities, while the development level of inclusive finance in most cities is also low. According to the evaluation results, this paper puts forward suggestions on the development of inclusive finance in Heilongjiang Province, so as to promote the development of Internet finance, improve the popularization rate of inclusive finance, narrow the regional gap and promote the balanced development of inclusive finance.