Spatial Effects And Influencing Factors Of Financial Exclusion In Yunnan

Financial development has become an important indicator of a country or a region's economic development,inclusive financial development can not only promote a region or a country's economic development,but also accelerate the flow of financial resources more reasonably,promote the overall prosperity of the financial market,so that more people enjoy the convenience brought by the development of finance the convenience of people's life.However,China's regional financial development is very uneven.The financial development in the eastern region is better and its inclusiveness is stronger.However,because of the weaker financial development,the financial inclusion development in the vast central and western part of China is worse,and even more serious financial exclusion.Yunnan province is located in the southwest of our country area,China is an important gateway to South Asia and Southeast Asia,"The Belt and Road" strategic,but for a long time,because of the natural geographical conditions,historical and cultural factors,economic development lags behind the actual situation,coupled with the tilt of national policy,the majority of residents in Yunnan province has always not equal enjoyment of financial development convenient and affordable,they were excluded from the long-term development of modern finance outside the door,especially in the financial inclusive development in the eastern part of the increasingly perfect,Yunnan Province,the overall level of financial exclusion is relatively serious,and the difference between the city states also significantly reflected the characteristics of spatial association.This article reviews and comments on the research status of Financial Exclusion of the spatial motion of regional financial theory,financial geography theory,financial development theory to construct the support of Yunnan Province financial exclusion theory basis,the spatial effect of the study found that previous studies rarely use the financial space theory of Financial Exclusion in a region from the space perspective related research.According to the summary of previous studies,according to the analysis of the current situation of Yunnan Province Financial Exclusion,using 2008-2015 8 the spatial panel data,to measure the correlation of Financial Exclusion in Yunnan Province,the study found that over the years in Yunnan province has obvious spatial correlation of Financial Exclusion,and showing a "HH" and "LL" spatial agglomeration characteristics.According to the characteristics of spatial effect,by spatial econometrics analysis this paper also builds spatial autoregressive model(SAR)and spatial error model(SEM)and the spatial panel,an empirical analysis of the reasons and characteristics of influencing factors of Financial Exclusion in Yunnan province and the influence of the empirical results of the analysis,found in Yunnan province education the degree and proportion of minority population and traffic status are the factors of Financial Exclusion in maximum effect in Yunnan province.Finally,according to the conclusion of this article,we put forward some countermeasures and suggestions to alleviate the Financial Exclusion degree of Yunnan province and other cities from the aspects of alleviating geographical exclusion and alleviating self exclusion.