Measure Of The Extent Of Financial Exclusion In The Western Areas And The Cause Analysis

The financial industry related to the overall economic situation and the harmonious development of society, can play with the funds to where they are needed most, and the gate-keeping function of the health of the economy running smoothly, the financial industry in the national economy as a whole is extremely critical industry. The financial industry has this outstanding characteristics and key position, so governments have attached great importance to the development of the financial industry.However, in reality, not every enterprise and each individual can enjoy financial products, financial institutions marketing focused, convenient transportation and other objective or subjective reasons, lead to some enterprises and individuals can not fully enjoy low-cost, fair and safe financial products. This phenomenon has aroused the attention of domestic and foreign experts in the nineties of the last century, scholars summed up as "financial exclusion"."Financial exclusion" belonging to the geographical areas of finance. The geographic Finance is an emerging interdisciplinary theory emphasizes interdisciplinary research, using a variety of research tools to analyze financial problems and stressed the impact of the geographical environment on the financial growth of the environment of the technology revolution. The financial geography that society is a very complex dynamic system influenced by many factors. In this dynamic process, factors such as social activities, economic activities, financial activities are closely related to the dynamic processes affect each other.This paper is divided into four parts, the first part of the existing literature at home and abroad, the meticulous combing, a comprehensive and systematic introduction to the concept of financial exclusion, measure and evaluation of domestic and foreign financial exclusion indicators and research methods, as the following chapter provides a theoretical tool.The second part introduces the development status of the western financial details of the existing formal and non-formal financial institutions of the western region, and discusses the problems that exist in the western rural finance from the micro and macro. It can be seen that the western region is not only the reality of financial exclusion predicament, and financial development has a significant geographical differences, highlight the dual structure of urban and rural finance, rural financial market, there is a serious imbalance between supply and demand,The third part of this article collect large amounts of data, indicators related to the degree of objective to show the western rural areas with financial exclusion. In order to study in detail the specific circumstances of the rural areas in the western region, the use of factor analysis calculated a composite index of the banking sector in the western provinces. Using Granger test, to prove that the level of economic development in rural areas, and the industrial structure as well as the rural population,will significantly affect the financial exclusion of severity.The fourth part of the third chapter analyzes the reasons put forward policy recommendations to alleviate the extent of financial exclusion.