普惠金融离中国有多远?——基于金融服务可得性的国际比较视角

How Far Off is Inclusive Finance in China?——From the Perspective of Financial Service Availability

本文运用全球金融包容性专题调查数据对普惠金融发展状况进行了国际比较。研究结果表明:经济发展水平和信息科技水平显著作用于发达国家普惠金融的发展,发展中国家则受经济发展水平、城镇化水平和人口地理因素的影响,因此我国经济欠发达地区应着重提高居民收入、推进城镇化来促进普惠金融发展,发达地区则可更多地依靠金融科技化手段。

This article makes a comparison of the development of inclusive finance from the perspective of financial service availability in developed and developing economies. It concludes that economic development and information technology both have an important role to play in the process of developing an inclusive financial system. For developing countries, however, economic development, urbanization, population issues and geography are more important than technology. Hence, for the less developed regions of China, increasing income levels and promoting urbanization will be the key to the development of inclusive finance while for developed religions financial technology may be more significant.