中国农村普惠金融发展的差异分析——以中部六省为例

在对普惠金融发展指数测量方法改良的基础上,对中部六省2005~2013年的普惠金融发展水平进行测度。研究发现,2005~2013年的近十年间,中部六省的农村普惠金融发展水平都有所提高,且各省普惠金融发展指数都没有出现0值的情况。从总体上来看,2005~2013年,湖南的农村普惠金融发展水平处于中部六省当中的最高水平,其次是山西、湖北、安徽、江西、河南,但河南在中部六省的普惠金融发展水平增长速度最快。从分析中部六省农村普惠金融发展水平差异的原因看：农村人均收入、农村金融机构服务数量、农村金融基础设施、普惠金融政策、当地信用环境等是造成六省普惠金融发展水平差异的重要原因。

An Analysis of the Developmental Difference of the Inclusive Finance in China--Taking the Six Central Provinces Rural for Example

The paper,selecting the Six Central Provinces Rural for an example,analyzes the development situation of the inclusive finance in our country.Based on the improvement of the Index of financial inclusion model by Chakravarty,measuring the Index of financial inclusion of Six Central Provinces rural areas in China during 2005 -2013,and analyzing the reasons for the index difference.According to the study,during 2005-2013,the Index of financial inclusion of six provinces rural areas in central China have improved,with no zero value for all areas.Specif-ically,during 2005-2013,the level of the financial inclusion of HUNAN is the highest,followed by SHANXI,HEBEI,ANHUI,JIANGXI and HENAN in their respective level of inclusion. But the growth rate of HENAN is the fastest.The reasons behind their different inclusion levels and growth rates are:the per capita income of rural residents,the number of rural financial insti-tutions,the rural financial infrastructure,the support of the government policy,the credit envi-ronment and so on.