【作者】 刘霞；

【导师】 张立；

【作者基本信息】 内蒙古农业大学 ， 金融学， 2020， 硕士

【摘要】 2020年是全面建成小康社会的决胜期,而普惠金融重视消除贫困、实现社会公平。发展普惠金融可以引导更多金融资源配置到经济发展的重点环节及薄弱领域。长期以来,内蒙古坚持共享发展理念,其普惠金融发展取得了一定成就,普惠金融发展水平不断提升,但仍低于全国平均水平,其发展过程中还存在诸多问题。那么,内蒙古普惠金融在内蒙古各地区是否配置有效?盟市间是否存在差异?是哪些因素影响了内蒙古普惠金融的发展?探究这一系列问题对于进一步提升内蒙古普惠金融发展具有实际意义。本文在相关文献梳理和理论分析的基础上,从普惠金融体系的宏观层面、中观层面、微观层面以及客户层面分析内蒙古普惠金融的发展现状,参考前人研究并结合内蒙古实际,选取金融服务的渗透度、使用度和效用度三个维度的10个指标构建测度内蒙古普惠金融发展水平的指标体系,以内蒙古12个盟市相关数据为样本,测度、分析和比较各盟市普惠金融发展水平。研究发现:整体来看内蒙古的普惠金融发展水平是在稳步提升的,但是各盟市之间存在较大差异,尤其是呼和浩特的普惠金融发展水平是兴安盟的1.46倍,区域发展不平衡。在此基础上采用2006-2018年内蒙古12个盟市的面板数据,从普惠金融体系的宏观层面、中观层面、微观层面以及客户层面选取9个因素进行实证分析,研究发现:内蒙古各盟市的经济发展水平、财政支出规模、信息化水平、金融发展效率和农村牧区居民可支配收入对内蒙古各盟市的普惠金融发展水平有显著性影响;城镇化水平、交通便利程度、城镇居民可支配收入和受教育程度对内蒙古各盟市的普惠金融发展水平没有显著性影响。最后,根据实证分析得出的结论,为内蒙古普惠金融持续发展提供建议,以期助力其经济发展,提升居民福利水平。更多还原

【Abstract】 2020 is the decisive period for building a moderately prosperous society in an all-round way,while Inclusive Finance attaches great importance to poverty eradication and social equity.The development of Inclusive Finance can guide more financial resources to be allocated to the key links and weak areas of economic development.For a long time,Inner Mongolia adheres to the concept of shared development,and its inclusive financial development has made some achievements,and the level of inclusive financial development has been continuously improved,but it is still lower than the national average level,and there are still many problems in its development process.Then,is the allocation of Inclusive Finance in Inner Mongolia effective?Is there any difference between the league and the city?What factors affect the development of Inclusive Finance in Inner Mongolia?It is of practical significance to further promote the development of Inclusive Finance in Inner Mongolia.On the basis of literature review and theoretical analysis,this paper analyzes the development status of Inclusive Finance in Inner Mongolia from the macro level,meso level,micro level and customer level of inclusive finance system.Referring to the previous research and combining with the actual situation of Inner Mongolia,this paper selects 10 indicators from three dimensions of financial service penetration,utilization and effectiveness to build a measure of Inclusive Finance Development in Inner Mongolia The index system of exhibition level measures,analyzes and compares the inclusive financial development level of each league and city based on the relevant data of 12 League cities in Inner Mongolia.The results show that:on the whole,the level of inclusive financial development in Inner Mongolia is steadily improving,but there are great differences between the various league cities,especially in Hohhot,the level of inclusive financial development is 1.46 times that of Xing’an League,and the regional development is unbalanced.Based on the panel data of 12 cities in Inner Mongolia from 2006 to 2018,this paper selects 9 factors from the macro level,meso level,micro level and customer level of inclusive financial system for empirical analysis,and finds that:the economic development level,financial expenditure model,informatization level,financial development efficiency and disposable income of rural residents in Inner Mongolia The level of inclusive financial development in Inner Mongolia has no significant impact on the level of inclusive financial development in Inner Mongolia.Finally,according to the conclusion of the empirical analysis,it provides suggestions for the sustainable development of Inclusive Finance in Inner Mongolia,in order to help its economic development and improve the level of residents’ welfare.更多还原