青海省金融排斥形成机理及其治理研究

金融排斥是民族地区金融发展的桎梏,影响着国家普惠金融事业在民族地区的实施效果。青海省作为我国西部民族贫困地区之一,其金融排斥状况较为突出。本文借鉴“六维度”金融排斥理论分析青海省金融排斥形成机理和影响效应,并提出发挥政府引导作用、鼓励金融创新以推进普惠金融事业发展和加快多层次农村金融体系建设等治理建议。

Research on the Formation Mechanism and Its Governance of Financial Exclusion in Qinghai Province

Financial exclusion is the puppet of financial development in ethnic areas,and it affects the implementation of national inclusive finance in ethnic areas.Qinghai Province,as one of the poverty-stricken areas in the western region of China,has a prominent situation of financial exclusion.Based on the“six dimensions”financial exclusion theory,this paper analyzes the formation mechanism and impact of financial exclusion in Qinghai Province,and puts forward governance suggestions such as giving play to the role of government guidance,encouraging financial innovation to promote the development of inclusive finance,and accelerating the construction of a multi-level rural financial system.