|
|
| |
|
|
| 本文已被：浏览 1423次 下载 499次 |
码上扫一扫！ |
|
|
| 我国区域金融包容水平的俱乐部收敛研究——采用非线性时变因子模型的实证分析 |
|
赖永剑，贺祥民
|
|
南昌工程学院 经贸学院，南昌 330099
|
|
| 摘要: |
| 金融包容旨在确保社会弱势群体和低收入群体能够以一个负担得起的成本、适时适地地获得金融服务。基于对我国30个省市区2006—2013年综合金融包容指数（IFI）的测度，运用非线性时变因子模型分析其区域敛散性，结果显示：我国区域金融包容水平存在着三个收敛俱乐部，大多数省份属于水平较低的俱乐部，且俱乐部的地理划分并非简单地服从于东、中、西部。进一步采用Ordered Probit模型的估计结果表明：经济规模越大、城市化水平越高、贸易开放程度越高、信息技术发展水平越高的地区，属于金融包容水平较高层次俱乐部的概率就越大；而政府干预程度越高、城乡收入差距越大的地区，属于金融包容水平低层次俱乐部的概率越大。较低层次俱乐部的地区要在改善环境质量的基础上进一步促进经济增长，处于同一个俱乐部的地区应加强经济合作和信息技术合作。 |
| 关键词: 金融包容 普惠金融 俱乐部收敛 金融服务渗透性 金融服务便利性 金融服务有用性 非线性时变因子模型 区域金融发展 |
| DOI： |
| 分类号: |
| 基金项目: |
|
| Research on China’s Regional Financial Inclusion Level Club Convergence—Empirical Analysis Based on the Nonlinear Time-varying Factor Model |
|
LAI Yong-jian, HE Xiang-min
|
|
Department of Economics and Trade, Nanchang Institute of Technology, Nanchang 330099, China
|
| Abstract: |
| Financial inclusion aims to ensure social weak group and low income group to afford to timely and conveniently get financial service. Based on the measuring of comprehensive financial inclusion index of China’s 30 provinces and municipalities during 2006-2013, by using nonlinear time-varying factor model, this paper analyzes their regional characteristics of convergence and divergence, and the results show that China’s regional financial inclusion level has three convergence clubs, that most provinces belong to low level club, and that the division of clubs does not simply follow east, middle and west level. The further estimated results by Ordered Probit Model indicate that the places with big economic scale, with high urbanization level, with more open trade extent and with high information technology development level have bigger probability for belonging to high-level club of financial inclusion, however, the places with big governmental interference and with big income gap between urban and rural areas have bigger probability for belonging to low-level club of financial inclusion. The places in low-level club should further promote economic growth based on environment quality improvement and the places in the same club should enhance the cooperation of the economy and information technology. |
| Key words: financial inclusion financial inclusion club convergence financial service penetration financial service availability financial service usage nonlinear time-varying factor model regional financial development |
|
