Research On The Formation Mechanism And Influencing Factors Of Financial Exclusion In The Western Region

The financial rights and other rights,is to have the fundamental right to life.And rich people,low-income individuals or enterprises also need to get a loan,investment,insurance and so on various aspects of financial services.But in all countries,especially some developing countries,these poor people or money smaller than a large enterprise capital requirements of more intense,but excluded from formal Financial,only by other informal channels,such as,private lending usury,the theoretical circle called this the "Financial Exclusion"(Financial Exclusion).These financial services not only need to pay high prices,and continuity.Therefore,we hope to establish a can tolerate pratt &whitney financial system of each social stratum.In this system,the poor and low-income people,small micro enterprise can obtain financial products and services and the market price is consistent,can be fair to get money by financial institutions.In recent years,the financial exclusion problems gradually become the focus of scholars.So far,the academic circles for financial exclusive research is still in its infancy,systematically studies the financial exclusion of literature is not much,especially the research about the poor areas of the west are much rarer.Due to unbalanced economic development,financial exclusion phenomenon is especially serious in the western region.Therefore,for the financial exclusion systematically research,and analysis of the transmission path and the formation mechanism,to reduce financial exclusion,developing the western region's economy is of great significance.In this paper,on the basis of existing literature and theory,on based on the theory of economics,sociology and other related disciplines,using the methods of empirical analysis and normative analysis,the paper studies the degree of financial exclusion provinces in China and analyzed the formation mechanism of financial exclusion,conduction paths,finally it is concluded that to eliminate the financial exclusion measures.The conclusion of this paper can be divided into the following two points:(1)the degree of financial exclusion of provinces and cities,more severe in our country.In this paper,on the basis of existing literature and theory,from a new point of view to redefine the financial exclusion dimension,in combined with the actual situation of our country,and data availability,decided to the depth of the financial services,available,use and burden degrees from four aspects to measurefinancial exclusion dimensions,the method based on financial exclusion index side to calculate the financial exclusion of provinces and cities all over the country,and measure,according to the results of financial exclusion degree in various provinces in 2006-2015 has a tendency to increase,particularly in the western region the provincial financial exclusion degree is most serious.(2)analyze and reveal the formation mechanism of rural financial exclusion.In this paper,from the perspective of supply and demand two analyzes the mechanism of formation of the financial exclusion,and analyzes the financial exclusion of conduction path.The study found that the formation of financial exclusion are the result of the combination of demand and supply,the various provinces and regions financial exclusion is formed under the influence of many factors,according to a study of economic factors,social factors,geographical and cultural factors and so on all has significant effect on the financial exclusion.