基于普惠金融综合指数的我国区域普惠金融发展水平测度  

Measuring the Level of Regional Financial Inclusion Based on the Index of Financial Inclusion

作　　者：罗斯丹[1] 陈晓[1] 

机构地区：[1]中国海洋大学经济学院,山东青岛266100

出　　处：《长春师范大学学报》2015年第10期10-16,共7页Journal of Changchun Normal University

基　　金：中国海洋大学人文社会科学青年教师科研专项项目(201413073)

摘　　要：普惠金融发展水平不仅受经济因素影响,而且受社会因素影响。结合中国国情,本文在金融服务的供给、需求、基础设施及制约因素4个维度下,建立包含保险深度、银行金融机构数、人口自然增长率、征信人数比例、小额贷款公司贷款余额比等20个指标的普惠金融指标体系,运用变异系数赋权法建立普惠金融发展指数,衡量在不同指标体系下我国部分省市普惠金融发展水平,找到制约普惠金融发展的关键因素,并提出政策建议。The development of financial inclusion is not only influenced by financial factors but also social factors. According to the China＇s actual conditions,this paper suggests a measure taking into consideration on supply,demand,infrastructure dimensions and adverse impacting factors. An index of financial inclusion is based on D. I. method which includes twenty indexes,such as insurance penetration,number of bank branches,population growth rate,natural proportion of credit reporting and ratio of micro finance institution loan balance to total loan balance. Measure the developing level of finacial in clusion under different index systems,find the key restriction factors and put forward suggestions.

关 键 词：普惠金融发展指数 制约因素 普惠金融 

分 类 号：F830[经济管理—金融学]