大城市边缘区金融包容的影响因素分析——基于广州市821份居民的微观调研数据  

Influencing Factors of Financial Inclusion in Urban Fringe District:Micro-survey Data from 821 Residents in Guangzhou City

作　　者：罗利佳 张国俊 周春山[1] LUO Lijia;ZHANG Guojun;ZHOU Chunshan(School of Geography and Planning,Sun Yat-sen University,Guangzhou 510275,China;School of Public Administration,Guangdong University of Finance and Economics,Guangzhou 510320,China)

机构地区：[1]中山大学地理科学与规划学院,广州510275 [2]广东财经大学公共管理学院,广州510320

出　　处：《地域研究与开发》2020年第2期70-75,共6页Areal Research and Development

基　　金：国家自然科学基金项目(41601161);广东省自然科学基金项目(2017A030313224)。

摘　　要：以821份问卷数据为基础,采用Probit模型对广州市边缘区居民金融包容的影响因素进行分析。结果表明:(1)广州市边缘区储蓄包容水平较高,贷款包容水平较低。(2)居民个体特征对金融包容的影响较大,如教育程度、工作性质、年龄等。家庭资产与负债等家庭财富因素对贷款包容有一定影响,但对储蓄包容作用不显著。(3)银行网点设置评价与网络使用对储蓄包容有一定影响,但对贷款包容无显著影响。(4)个人发展乐观度对贷款包容影响显著但与储蓄包容关联不大。(5)广州边缘区居民金融包容状况是在金融供求双方特征、网络风险防范能力与制度保障水平的共同驱动下形成的。加强新型金融机构建设、发展数字金融、完善信用制度环境等是提升居民金融包容的重要举措。To clarify the financial inclusion level and its influencing factors in Guangzhou,Probit model was used to analyze it based on the data of 821 questionnaires in Guangzhou.The results show that:(1)Guangzhou has a high level of savings inclusion and a low level of loan inclusion.(2)Individual characteristics have a significant impact on financial inclusion,such as educational level,job and age.Household economic characteristics such as family assets and debts have a certain effect on loan inclusion,but no significant effect on savings inclusion.(3)Factors such as banking outlets and network use have a certain impact on savings inclusion,but no significant effect on loan inclusion.(4)Personal development optimism affects loan inclusion and has little relationship with savings inclusion.(5)The financial inclusion of residents in Guangzhou is driven by the characteristics of financial supply and demand,newwork risk prevention ability and institutional guarantee level.Equalization of financial services is an important way to promote financial inclusion in the region as a whole,including strengthening financial institutions,developing digital finance and improving the credit system environment.

关 键 词：金融包容 影响因素 居民 PROBIT模型 广州市 

分 类 号：C915[经济管理]