县域普惠金融发展水平评估与分析——以宁夏为例

Evaluation and Analysis on the Development Level of Inclusive Finance in County——Taking Ningxia as an Example

为了精准评估县域普惠金融发展水平,为相关领域的研究提供参考借鉴,本文选择从普惠金融发展过程中的量增、面扩、价降、质提等四个方面,构建更为全面的衡量普惠金融发展水平的指标体系,并采用变异系数法和算术加权法测算出2012~2022年宁夏13个县域普惠金融发展指数及四个分类指数。研究表明,宁夏县域普惠金融发展指数水平显著提高,但是县域间发展存在明显差异,各县域绝对值水平仍有较大上升空间;四大分类指数中“量增”指数得分增长最快,“面扩”指数次之,“价降”与“质提”指数增长相对缓慢。建议进一步加大县域金融资源供给力度、因地制宜制定县域普惠金融发展措施、优化县域普惠金融发展结构。

In order to provide reference for related research,we choose from Pratt&Whitney's financial development in the process of incremental,area expansion,price reduction,quality and so on four aspects,building a more comprehensive system of indicators to measure Pratt Whitney's level of financial development,the high quality development index and four aspects index of inclusive finance in 13 counties of Ningxia from 2012 to 2022 are calculated by using the method of coefficient of variation and arithmetic weighting.The research shows that the level of high-quality development index of inclusive finance in Ningxia is significantly increased,but there are obvious differences among counties Among the four major indexes,the"Volume increase"index scores increased the fastest,the"Area expansion"index followed,the"Price drop"and"Quality raise"index growth relatively slow.It is suggested to further increase the supply of financial resources at the county level,promote balanced development of inclusive finance at the county level,add regional indicators of inclusive finance,and actively apply the results of analysis and evaluation of financial indicators in Pratt Whitney.