Measure The Level Of Development And Inclusive Financial Factors In Heilongjiang Province

The party central committee and state council attaches great importance to developing inclusive finance, the third plenary session of the 18 inclusive financial clearly put forward development. 2015 "government work report", to develop the inclusive finance, let all the market main body to be able to share the rain showers of financial services. Under the new economy, the new normal, encourage innovation, the tide of public entrepreneurship, advocate vigorously develop inclusive financial has far-reaching significance.For many years, the heilongjiang province actively promote the reform of financial deepening, financial services products innovation, emphasizing the financial push for economic development. However, in the process of financial deepening reform, the existing disadvantages of the financial system is highlighted, the biggest drawbacks is financial services more inclined on the value orientation is higher, the high quality customer group, at the same time, farmers, natural person, micro, small and medium enterprises and individual operators such as potential customers are shut out of financial institutions. How to decipher financial exclusion, financial repression environment, to ensure that the common people enjoy a fair financial services, and then highlight finance to promote economic development, boost the economy structure adjustment, become the important topic. Pratt & Whitney in heilongjiang province based on this background, this paper studies the determinants of financial development level measure an d influence factors.In this paper, by using literature analysis, empirical analysis, quantitative and qualitative analysis of the combination of research methods. inclusive finance development present situation analysis of heilongjiang province, through reasonable and accurate, the principle of availability and build inclusive finance l index system, using the inclusive finance index calculation method, inclusive finance development level measure analysis, comprehensive evaluation of 13(city) inclusive finance development level and check whether there is a development between regional imbalance state. Selection based on the Panel Data model, the factors influencing the inclusive finance development indicators, the demonstration analysis on factors affecting the financial development of inclusive, clear inclusive exists between financial development and various influence factors of the relationship between positive and negative effect.By level analysis measure, inclusive financial level overall in heilongjiang province is lower, but showed a trend of rising year by year, from 13 cities inclusive level of financial development, inclusive imbalance in financial services, regional differences, rapid economic development, and comprehensive strength strong, inclusive financial development level is higher, and vice vers a. Through the empirical analysis found that inclusive financial development level and education level, highway mileage, Internet penetration and regional per capita GDP that there was a positive correlation between the negative correlation with the income gap between urban and rural residents. Highway mileage and regional per capita GDP of inclusive was influenced by the level of financial development is larger, the more advanced the regional economy, inclusive financial level is higher, the availability of financial services, financial services, higher usability geographical permeability and financial services, which can enhance the level of income and reduce the gap between rich and poor, is helpful to solve the urban and rural dual economic structure. Urban and rural residents income gap, the greater the gap between rich and poor is bigger, the regional economic development is backward, the will of the financial institutions providing financial services is low, and pratt, the lower the level of financial development, contributed to the development of urban and rural dual economic structure, is not conducive to narrowing the gap between rich and poor, to achieve well-off society.