The Regional Difference And Influence Factors Research On China’s Financial Exclusion

Financial exclusion is a manifestation of social exclusion on the financial and economic aspects; the generation and exacerbation of financial exclusion implies the existence and the intension of social exclusion. From the beginning of the 1990 s, the market-oriented reformation and joint-stock reformation of China’s state-owned commercial bank system abolished and merged a number of financial subsidiaries, which Financial services in rural and remote areas, residents and small and micro enterprises can get by a greater impact. The existence of the phenomenon of financial exclusion, from the perspective of social equity for financial exclusion will widen the gap between rich and poor, and format the Matthew,from the perspective of regional economic development, it will result in the economic development of the polarization between regions, uneven distribution of resources, Financial exclusion will result from a diversified regional financial macro level, an increase in the government’s management costs, increasing the difficulty of government regulation of the financial risk, causing residents and small businesses for capital demand and supply imbalance. The slow development of rural finance and small and micro business financing has become a major manifestation of financial exclusion hinders sustainable economic growth and urban and rural development in China.In recent years, studies began to discover the existence of regional differences and our in-depth study of financial exclusion. By comparing different levels of economic development in the region of the differences in the degree of financial exclusion and analyze the impact of factors, Financial development can promote better development of backward regions cities, promoting coordinated regional development and regional balanced development; seek financial development policies for the various provinces, and promote regional financial deepening reform, optimize our financial structure, speed up financial infrastructure is a scientific development and effective implementation of the premise and foundation-related policies, especially capable of various regions of our financial reform, play a major role in promoting.In this paper, drawing on research methods and results of previous studies of the basis for a certain degree of innovation and improvement. From the popularity of financial services, financial services availability, the degree of use of financial services, financial services Endurance four dimensions of the extent of financial exclusion provinces conducted a quantitative analysis. And the use of the variation coefficient method constructs an index of financial exclusion, financial exclusion index estimated 31 provinces and cities nationwide, reflecting the degree of financial exclusion of some provinces are more serious, and found regional differences in the extent of financial exclusion exists in China.Then from the economic, social and human geography of the three perspective, the impact of factors on the extent of financial exclusion analyze regional differences, and the establishment of the index system. According to relevant statistical data combined with the index system, using truncated regression model empirical analysis. From the perspective of a significant degree of financial exclusion by regional differences in the level of trade and industry, the impact of income levels, homeownership rates and the level of information technology, geographic features, age structure, education level and the level of urbanization and other factors. And according to the measurement results, the slow release of financial exclusion condition by improving the imbalance of regional economic development and improve people’s cultural level and other ways to perform.