發(fā)布時(shí)間：2018-01-15 20:04

  本文關(guān)鍵詞：河北省普惠金融發(fā)展水平測(cè)度及影響因素分析　出處：《河北大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 普惠金融 水平測(cè)度 多元回歸 金融服務(wù)

【摘要】：普惠金融指能有效、全方位地為社會(huì)所有階層和群體提供服務(wù)的金融體系,河北省作為我國(guó)的農(nóng)業(yè)大省也高度重視普惠金融的發(fā)展。本文從普惠金融發(fā)展需求現(xiàn)狀,普惠金融供給現(xiàn)狀,金融基礎(chǔ)設(shè)施現(xiàn)狀,政策狀況幾個(gè)角度出發(fā)闡明了河北省普惠金融的發(fā)展現(xiàn)狀。進(jìn)而指出河北省普惠金融發(fā)展存在網(wǎng)點(diǎn)少,產(chǎn)品單一,金融需求少,教育水平低,居民金融知識(shí)欠缺,信息化水平低以及信用建設(shè)體系不完善的問(wèn)題。通過(guò)查找相關(guān)數(shù)據(jù),選取多個(gè)指標(biāo),從農(nóng)村金融服務(wù)獲取的便利性,農(nóng)村金融服務(wù)使用情況及農(nóng)村金融發(fā)展效率三大維度出發(fā),運(yùn)用相關(guān)公式對(duì)河北省普惠金融發(fā)展水平進(jìn)行測(cè)度,得出了河北省普惠金融整體發(fā)展水平較低,并且地區(qū)差異較大的結(jié)論。繼而選取城鄉(xiāng)收入差距,信息化水平,就業(yè)水平等八大解釋變量對(duì)普惠金融發(fā)展水平進(jìn)行了多元線性回歸分析,發(fā)現(xiàn)信息化水平,城鄉(xiāng)收入差距,就業(yè)水平,政府政策支持以及教育支出水平對(duì)河北省普惠金融的發(fā)展影響是顯著的。最后從創(chuàng)新金融服務(wù)模式,擴(kuò)大金融需求,提升教育支出,普及金融知識(shí),加快信息化建設(shè)以及推進(jìn)信用工程建設(shè)幾個(gè)角度對(duì)河北省普惠金融發(fā)展提出了相關(guān)建議。
[Abstract]:Inclusive finance refers to a financial system that effectively and comprehensively provides services to all strata and groups of society. Hebei Province, as a big agricultural province in China, also attaches great importance to the development of inclusive finance. This paper expounds the current situation of the development of inclusive finance in Hebei Province from several angles, and points out that there are few outlets, single products, less financial demand and low education level in the development of inclusive finance in Hebei Province. Lack of financial knowledge, low level of information and imperfect credit construction system. By looking up the relevant data, select a number of indicators from the rural financial services to obtain convenience. The use of rural financial services and rural financial development efficiency of the three dimensions, using the relevant formulas to measure the level of inclusive financial development in Hebei Province, the overall level of financial development in Hebei Province is low. And the conclusion of greater regional differences. Then select the income gap between urban and rural areas, informatization level, employment level and other eight explanatory variables to the inclusive financial development level of multiple linear regression analysis, found the level of informatization. The income gap between urban and rural areas, employment level, government policy support and education expenditure level on the development of inclusive finance in Hebei Province is significant. Finally, from the innovation of financial service model, expand financial demand, improve education expenditure. This paper puts forward some suggestions on the development of inclusive finance in Hebei Province from the angles of popularizing financial knowledge, speeding up information construction and promoting credit engineering construction.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.7

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