My Financial Exclusion

With the rapid development of world economic integration and the increasing level of technology, people's use of financial resources in the degree of rapid increase. Social, cultural, economic and many other reasons, low-income groups, income growth is slow, and due to inflation and other factors, its long-term below the poverty line. In addition, there Xianpinaifu the tendency of financial institutions, low-income groups can easily be excluded from the financial services outside the system. The existence of financial exclusion, making farmers difficult to obtain bank credit and other financial services, further inhibiting the development of the rural economy.Based on previous research, using standardized methods and empirical analysis, and on the causes of financial exclusion for further study. First study on financial exclusion status of a literature summary and review; Secondly analysis of the status of financial exclusion, using the latest data on our different regions and income groups are the financial exclusion, a detailed description and analysis; Thirdly, from the perspective of financial services transactions generate the theoretical basis of financial exclusion, studies suggest that the industrial structure, the ways of funding sources, government regulation and other factors impact on financial exclusion; and then in the above analysis, based on the issues of financial exclusion Empirical analysis to the national 2654 counties (districts) as samples, using log-linear model to rise to the causes of financial exclusion empirical test. The results show that income levels, industrial structure, non-performing loan ratio, population density, the number of outlets and other financial institutions is the main reason of financial exclusion. Finally, this paper proposes to eliminate or alleviate the financial exclusion policy recommendations that improve the income level of farmers, the development of new rural financial institutions, standardize the financial behavior, adjusting the industrial structure is an important way to alleviate financial exclusion.