对中国金融排斥程度和主要因素的实证研究

The Empirical Study on the Degree and Main Factors of Financial Exclusion in China

本文运用定量分析从金融服务的使用性、便捷性、可得性和渗透性四个维度构建金融排斥指数,发现金融排斥在中国存在省际差异。同时,通过Eviews6构建计量模型,结果表明金融发展水平、人均可支配收入、居民受教育程度对金融排斥有影响。最后,从金融机构和政府的角度提出破解中国金融排斥问题的对策。

This paper uses quantitative analysisto construct financial exclusion index from the four dimensions of use,convenience,availability and penetrationof financial services,and finds thatthere are provincial differences in China.Next,the measurement model isconstructed by Eviews6.The results show that the level of financialdevelopment,per capita disposable income,and the education level of residentshave an impact on financial exclusion.Finally,from the perspective of financialinstitutions and the government,the countermeasures to solve the problem ofChina's financial exclusion are proposed.