耿庆峰, 尹利军, 郭国龙. 福建省县域普惠金融发展指标体系及评价研究[J]. 电子科技大学学报社科版, 2018, 20(6): 39-46. DOI: 10.14071/j.1008-8105(2018)-1051
引用本文: 耿庆峰, 尹利军, 郭国龙. 福建省县域普惠金融发展指标体系及评价研究[J]. 电子科技大学学报社科版, 2018, 20(6): 39-46. DOI: 10.14071/j.1008-8105(2018)-1051
GENG Qing-feng, YIN Li-jun, GUO Guo-long. Research on the Development Index System and the County Inclusive Financial Evaluation in Fujian Province[J]. Journal of University of Electronic Science and Technology of China(SOCIAL SCIENCES EDITION), 2018, 20(6): 39-46. DOI: 10.14071/j.1008-8105(2018)-1051
Citation: GENG Qing-feng, YIN Li-jun, GUO Guo-long. Research on the Development Index System and the County Inclusive Financial Evaluation in Fujian Province[J]. Journal of University of Electronic Science and Technology of China(SOCIAL SCIENCES EDITION), 2018, 20(6): 39-46. DOI: 10.14071/j.1008-8105(2018)-1051

福建省县域普惠金融发展指标体系及评价研究

Research on the Development Index System and the County Inclusive Financial Evaluation in Fujian Province

  • 摘要: 立足福建省,以县域普惠金融为研究对象,在借鉴国际货币基金组织(IMF)、经合组织(OECD)和普惠金融联盟(AFI)等国际主要组织关于普惠金融指标体系设计的基础上,结合福建省普惠金融发展实际,构建了福建省的县域普惠金融发展指标体系。选取了2013~2016年数据,运用因子分析法计算出福建省县域普惠金融在金融可获得性、金融服务使用情况和金融发展质量3个维度的因子得分,从而对福建省县域普惠金融发展情况进行客观评价。结果表明:福建省县域普惠金融总体水平呈逐年提高的趋势,其中金融可获得性最高,金融服务使用情况次之,金融服务质量最低;地区经济发展水平与县域普惠金融发展存在相关性;微小型企业和农户获得金融服务的程度仍较低。今后,福建省将在优化银行结构布局,支持新型金融机构发展,建立健全信用体系,加大扶贫力度等方面提高县域普惠金融发展的水平。

     

    Abstract: Taking county inclusive finance in Fujian Province as the research object, and on the basis of referring to the design of inclusive finance index system of major international financial unions like the International Monetary Fund (IMF), the Organization for Economic Co-operation and Development (OECD), and Inclusive Finance Union (AFI), this paper builds an index system of county inclusive finance development of Fujian Province along with the actual development of inclusive finance in Fujian Province. By selecting the data from 2013 to 2016, this paper uses the factor analysis method to measure the scores of the factors of three dimensions, which are the availability, the use of financial services, and the quality of financial development, to evaluate the development of county inclusive finance in Fujian Province. The results show a yearly increasing trend of the overall level of county inclusive finance in Fujian Province, among which the highest is the financial availability, followed by usage of financial services, and the quality of financial services is the lowest; the level of the economic development in the region is relevant to the development of the county level; micro businesses and farmers are still less likely to receive financial services. In the future, Fujian Province will optimize the structure and layout of the bank, support the development of new financial institutions, establish a complete credit system, and increase the poverty alleviation, so as to improve the level of county inclusive finance.

     

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