普惠金融评估指数构建及其监管应用研究  

The Design of Inclusive Financial Index and Its Regulatory Applications

作　　者：福建银监局普惠金融课题组 陈树福 

出　　处：《金融监管研究》2016年第12期22-33,共12页Financial Regulation Research

摘　　要：发展普惠金融是银行业支持供给侧结构性改革、推进"补短板、惠民生"的重要渠道。然而,国内长期缺乏有效的标准来直接测度和清晰描述普惠金融发展水平与进程,政策的制定、实施与市场开发均缺乏数据支撑。为科学评估普惠金融发展现状及不同地区、不同机构间的差距,有效指导银行业监管工作开展,本文从金融服务的覆盖率、渗透率、便利性、服务质量以及区域特色五个维度出发,构建了福建银行业普惠金融评估指标体系"CPFQS",采用层次分析—模糊综合评价法(AHP-FCE)确定指标权重,并通过欧式距离法首次编制出福建辖区普惠金融发展指数以及分地区、分机构指数。在此基础上,本文探讨了普惠金融评估指数在准确衡量普惠金融发展进程、引导发现薄弱环节并针对性改进金融服务等监管实践中的运用,以及将该评估体系和指数从单个地区向全国复制推广的可行性。The development of inclusive finance is an important channel for the banking industry to support supply-side reforms. However, the lack of quantitative criteria to measure and clearly characterize the process of inclusion finance results in the lack of data supporting the formulation and implementation of related policies. To scientifically assess the development and regional differences of inclusive finance in Fujian Province and to guide bank supervisions, the paper constructs an index of inclusive finance, the CPFQS, which covers five dimensions of financial service, including Permeability, Facility, Conveniences, Quality, and Regional characteristics. The weight of each dimension is determined by the method of fuzzy analytical hierarchy process AHP-FCE. The inclusive financial index in Fujian and its sub-regions and bank branches are constructed using the method of European distance for the first time. Based on inclusive financial index, we accurately measure the development process of inclusive finance in Fujian province in order to discover the weaknesses of inclusive finance and improve the financial service. Finally, we demonstrate the feasibility to replicate the index across the country.

关 键 词：普惠金融 金融发展 层次分析一模糊综合评价法 

分 类 号：F832.35[经济管理—金融学]