The Empirical Research Of Inclusive Financial Development Level Measurement In Countryside

In recent years,with the continuous deepening of the reform of comprehensively deepen and a series of inclusive financial related policies introduced,the development of inclusive finance in China's rural areas has achieved good results.However,the rejection of rural financial services remain,rural financial institutions less branches and unbalanced distribution,even in some remote poor areas still exist in the financial services blank area,the availability and convenience of basic financial services still lag,farmers loans difficulty and expense and other issues are still outstanding,which seriously hindered the development of rural economy,restricted the construction of the entire financial system.The purpose of this paper is to build a more comprehensive evaluation index system of inclusive finance,to provide a scientific and reasonable basis for measuring inclusive financial level in rural areas,to provide some reference for the study around inclusive financial level measure,to further improve and perfect rural financial system,to provide guidance for rural financial development in the future.On the basis of related theory of inclusive financial development in the countryside,this paper shows that the present situation of rural inclusive financial level measure at home and abroad and a comparative analysis,founded that the domestic research in the construction of evaluation index system and measure method still can become better.In view of this,this article attempts to build a more comprehensive evaluation index system of inclusive finance from the countryside including financial penetration,degree can be obtained,available and affordable degrees as well as social factors 12 indexes in five dimensions,and based on factor analysis method to measure various areas in China from 2012 to 2014 rural inclusive financial level,and further to analyze the regional difference of rural inclusive financial with clustering analysis method,the study found that: first,the development level of rural inclusive finance is generally low and regional differences apparent;Second,China's rural inclusive financial development degree show gradient form,high in the eastern areas,the central and western regions in the behind;Third,in terms of type characteristics,the type pattern of thelevel of financial development in the provincial and rural areas is consistent with the level of economic development;Fourth,in terms of time span,inclusive financial development level in rural areas in China is steadily improving,regional differences are gradually narrowing.Finally,according to the empirical analysis,the paper summarizes the situation and puts forward the concrete countermeasures and suggestions,for example,science and technology power,financial products and services innovation,policy support,improving the rural credit system and financial knowledge education and so on.