The Research On The Spatial Difference And Agglomeration Effects Of The Rural Financial Inclusion In Xinjiang

In 2006, the People’s Bank of China got the concept of inclusive financial introduced to China, and always it spare no effort to promote and advocate inclusive finance. Xinjiang is one area have many ethnic minority, the level of economic development of Xinjiang lags behind, the livelihood of the people question has been widespread attention, therefore in China under the background of strategy of the construction of The belt and road init iat ives, how to improve the level of Xinjiang rural financial inclusion, utilize the economic effect of Xinjiang rural financial resources, to promote Xinjiang economic development and social progress and meeting the development opportunity of the new silk road economic belt is of great significance.In the first part, the paper expounds the research background and significance of Xinjiang rural financial inclus ion, both at home and abroad, summarizes the research progress of the rural financial inclusion, on the basis of the literature research to establish the basic research ideas and research content of the paper.The second part of the thesis summarized the definit ion of the concept, theory of inclusive financial and financial agglomeration, in order to find the theory support for the follow-up study.In the third part, the measure and spatial variance analysis of the Xinjiang rural financial inclus ive level.On the basis of Chakravarty(2010) to build the index of financial rural f inancial inclu sive, use the entropy method to calculate constitute the weight of each dimension in the degree of financial inclusion, so it avoided the disadvantages because of not considering the index inf luence degree.Using the new design of the financial index of financial inclusion, respectively estimated 82 counties and cities in Xinjiang in 2010 and 2012, the rural financial inclusion degrees; Using exploratory spatial data analys is method of Xinjiang county there is a degree of rural financial inclusion spatial agglomerat ion and spatial heterogeneity. Further in the type of spatial agglomerat ion degree of rural financial inclusion, ident if ied the four financial inclusion degree of agglom eration mode, the objective to understand the status quo of Xinjiang rural financial inclusion degree provides a new perspective.The fourth part of the thesis mainly studies the impact factors of Xinjiang rural financial inc lusion degrees. Fully considering the inf luence of regional spatial effect on the regression model, the intro duction of spatial econometric model, and carries on the analysis model of inspection strict, according to choose the appropriate model to make regression analysis of sample data characteristics, the empirical results and analys is show that, the greater population dens ity, the more rural populat ion,the level of financial inclusion will be smaller, to improve the financial infrastructure is conducive to improving the level of financial inclusion government regulat ion, improve the level of financial inclus ion, namely the government plays a positive role in rural financial inclusive level lift ing, social commodity purchasing power degree of realizat ion and the second is occupied than larger, the level of economic development higher,the regional financial inclusive level is higher.The fifth part of the thesis mainly studies the economic effect of Xinjiang rural financial inclusion. Using the sample data of Xinjiang 82 cities in 2012, by using the spatial econometric model, from two aspects of the rural economic development and increase income of rural residents analyzes the welfare effects of rural financial inclusion degrees. The regression results showed the rural financial inclusion degree’s enhancement can effectively promote the development of local economy and the income of rural residents increased, and the economic effect on local economic development will be greater than that of the rural residents’ income effect.The sixth part of the thesis, the conclusion and policy suggestion. The research contents were summarized, put forward from create a inclusive financial regulat ions atmosphere, forms the regional inclusive finance optimal financial system, play a positive role in fiscal policy to support rural financial institut ions, reduce the access conditions of rural financial inst itutions, financial resources, and collection services in rural areas of strong regional financial cooperation, narrow the gap of regional financial inclusion, construction of county financial inclusion center rural finance, play t he agglom eration effect and extend the range of collateral, the construction of six levels to improve the rural credit system in Xinjiang city and county level rural financial inclusion, play the economic effects of policy recommendations.