| The theory on financial exclusion is a new theory, which is a marginal subject -- a branch of the financial geography. Financial exclusion is that certain economic unit as its own specific conditions,specific regional economic status, specific actual conditions and specific system not to attain low cost, high efficiency and fairly financial products or services through main channels, or to have obstacles of organization, space and time to get it.Located in western of China, Xinjiang is a unique regional economical province. As the west developing strategy and other provinces supporting, in the economical transition, financial principals of Xinjiang face hard financial constraints and soft financial constraints. We establish a model to explain SME in Xinjiang run, clarify the operation mechanism of SME by demand and supply theory, research for the reasons leading to financial exclusion of SME in Xinjiang and break out path resolving financial exclusion of SME in Xinjiang.The paper researchs SME in Xinjiang with a combination of financial theories and essentials of Econometrics. The papers absorb achievements of regional finances , financial geography, western economics and space economics and connects with concrete SME in Xinjiang, and system research to financial exclusion contents, financial exclusion drives, financial exclusion effects of SME in Xinjiang and brings out the preliminary theoretical framework.The paper builds explaining systems and judges financial exclusion of SME in Xinjiang by the component analysis. Finally, to resolve financial exclusive problems of SME in Xinjiang,the papers take three measures: the government to intervene effectively, market digestion, the financial body to shape an independent financial character, etc. |
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