Research On The Measurement And Influencing Factors Of Inclusive Financial Development In The Western Region

With the continuous development of the financial industry,strong economic strength and backward country,or the differentiation of economic entities in the region,the financial services and product supply will always be the choice and rejection of financial institutions.In 2014,the global financial inclusion index "report released by the world bank,developing countries half of the adults no bank account,poor family suffered financial exclusion phenomenon is more serious,the overall,global range without bank accounts of adults still reached 20 million people.2005,the United Nations for the first time when the concept of Inclusive Finance to promote microfinance,advocated the idea is in a weak financial needs of the subject,in the range of demand can have dignity,equal access to financial services.The development of domestic financial inclusion also highly valued,in 2013,the focus of the Third Plenary Session of the eighth proposed to vigorously develop the financial inclusion and promote financial innovation;2015 central comprehensively deepen reform leading group of the eighteenth meeting of the passed "To promote the development of inclusive financial planning(2016-2020)."The study of western region of Inclusive Finance followed the applied economics research,contains the theoretical,empirical,and countermeasure layers of in-depth study of the general process of,to the development of inclusive financial,practical significance for starting point,to measure in the western region of inclusive financial development and influence factors for the purpose,and then in-depth theoretical analysis and practices at home and abroad experience described,using statistical analysis method and means,western region of empirical reality of inclusive financial performance and analysis of the western region inclusive financial impact factors.This paper argues that the western integrated degree of Pratt &Whitney acquired and used,the Internet financial service innovation and rural inclusive financial aspects than other regional development in the backward development of Inclusive Finance,the 12 provinces of the West internal imbalance phenomenon,the more developed economies of Chongqing,Shaanxi,Sichuan and other provinces and cities,Inclusive Finance degree is good,the relative development Tibet,Qinghai,behind Gansu,Ningxia and other provinces and cities inclusive financial development is relatively backward;in terms of influencing factors,the western region trafficinconvenience,Internet penetration rate is low,the slow process of urbanization phenomenon caused by the degree of aggregation of the population is low,the Internet financial development lags behind,the indirect impact of the western region the development of inclusive finance shortage and internal imbalance the phenomenon of.Finally,from the correct handling of the relationship between government and market,with the help of financial innovation,strengthen the financial infrastructure construction and education and international experience for reference,the development of the western region inclusive financial recommendations.