浙江省地市普惠金融水平测度及其影响因素研究——基于面板数据固定效应模型

Measurement of the Development Level of Inclusive Finance in Zhejiang Province and Analysis of Its Influencing Factors——Fixed Effect Model Based on Panel Data

发展普惠金融是金融供给侧改革的一个重要目标,浙江省作为经济和金融强省,金融改革一直走在全国前列。本文采集2015年——2017年浙江省11个地级市的相关数据,测度浙江省普惠金融发展水平,结果表明浙江省各地市普惠金融发展存在显著差异。通过研究影响普惠金融的因素,发现普惠金融与收入差距、道路密度和产业结构呈正相关的关系,与教育水平、就业情况和人口密度呈负相关。因此,浙江省应当依托自己的优势平台,缩小地区普惠金融发展差异,建立更高层次的普惠金融发展体系。

The development of inclusive finance is an important goal of financial supply side reform.As an economically and financially strong province,zhejiang province has been in the forefront of financial reform.Relevant data of 11 prefecture-level cities in zhejiang province from 2015 to 2017 were collected in this paper to measure the development level of inclusive finance in zhejiang province.The results show that there are significant differences in the development of inclusive finance among cities in zhejiang province.By studying the factors affecting inclusive finance,it is found that inclusive finance is positively correlated with income gap,road density and industrial structure,and negatively correlated with education level,employment situation and population density.Therefore,zhejiang province should rely on its own advantageous platform to narrow regional differences in inclusive finance development and establish a higher level inclusive finance development system.