中国普惠金融的区域差异与极化趋势：2005—2016

Regional Difference and Polarization Trends of Financial Inclusion in China: 2005—2016

本文立足于普惠金融发展的内涵,进一步完善中国省际普惠金融指标体系并进行测度。在此基础上,分别采用基尼系数和DER指数研究东中西三大区域和八大综合经济区普惠金融发展的差异和极化演变特征,并对指标进行分解。结果表明:我国普惠金融发展的区域差异和极化程度呈下降趋势,不同区域的演进趋势存在异质性;普惠金融发展差异较大的区域在差异增速上相对较低,即不同区域发展的差异程度有趋同态势;普惠金融发展极化程度较大的区域在极化增速上相对较低,即不同区域发展的极化程度有趋同态势;区域之间的差异是总体差异的主要来源;DER指数的变化趋势是由疏离度的变化趋势所引致的。

Based on the connotation of financial inclusion development,this paper improves China’s provincial evaluation system of financial inclusion and then conducts the measurement.Based on this,the Gini coefficient and DER index are used to measure the regional difference and polarization evolution trends in three and eight regions respectively,and the above index are decomposed.The results show that the difference and polarization in China’s financial inclusion presents a downward trend,and there is heterogeneity in the evolution trend of different regions;The growth rate of difference is relatively low in the regions with greater difference in financial inclusion development,which means the difference of different regions has the tendency of convergence.It is also found that the growth rate of polarization is relatively low in regions with greater polarization in financial inclusion development,which means the polarization of different regions has the tendency of convergence.Meanwhile,the difference between regions is the main source of the overall difference,while the variation trend of DER index is caused by the variation trend of alienation.