Research On The Evaluation Of Financial Exclusion In The Development Of Inclusive Finance

Financial exclusion reflects a phenomenon in which the demand side is unable to enjoy high-quality financial services at a reasonable cost due to various factors.China has promoted the development of inclusive finance as an important means to reduce financial exclusion.At present,under the leadership of the central government,the level of financial exclusion generally shows a downward trend,the density of financial outlets continues to expand,the credit system is gradually improved,and inclusive finance develops steadily.However,due to the late introduction of the concept of financial exclusion in China,there is no unified measurement standard for the level of financial exclusion for the development of inclusive finance,which is not conducive to trend analysis and regional differences.Therefore,how to construct a financial exclusion level indicator system for inclusive financial development and evaluate the financial exclusion level accurately is the focus of this study.The article first determines the research category through theoretical analysis,on this basis,the theoretical basis and theoretical assumptions are elaborated,and the research method is determined.Secondly,according to the six-dimension method,the evaluation index system of financial exclusion is constructed from six aspects of geographic exclusion,evaluation exclusion,price exclusion,marketing exclusion,conditional exclusion and self-exclusion.Influencing factors.Then,take Anhui Province as an example to obtain the original data of 2010-2018,first weight each variable according to its impact degree,and then combine the financial exclusion index method to calculate the financial exclusion level of inclusive financial development in Anhui Province.The three dimensions of coverage,availability,and satisfaction of financial services construct an inclusive financial index system,calculate the inclusive financial index,and compare and analyze the level of financial exclusion for inclusive financial development.The results of the study show that China's inclusive financial development is generally good and financial exclusion is at a low level,but the development of all dimensions is uneven.Among them,although geographical exclusion,conditional exclusion,marketing exclusion and evaluation exclusion have eased,price exclusion and self-exclusion The problems caused still exist.From the perspective of Anhui Province,the financial exclusion index was generally at a low level between 2010 and 2018,and the inclusive financial index increased significantly.Among the various factors,residents' consumption level,urban-rural income gap,and government support have a significant impact on financial exclusion and have a long-term equilibrium relationship with financial exclusion.Finally,in light of the research results,it is proposed that relevant departments should improve the information exchange mechanism,focus on financial product innovation,and develop new rural financial institutions and other policy recommendations.