Measure The Development Level Of Inclusive Finance And Influencing Factors From The Perspective Of Micro-residents

Since the concept of Inclusive Finance was put forward in 2005,our government attaches great importance to the development of inclusive finance.In the government report,it was proposed that we should vigorously develop inclusive finance so that inclusive finance can truly serve the real economy.The development of Inclusive Finance can realize the fairness of finance,fulfill the government's requirements for inclusive finance,and realize the common desire of the broad masses of people to get inclusive financial opportunities.In the process of economic transformation,we should vigorously develop inclusive finance,inject vitality into the real economy,speed up the transformation of the economic model,provide modern financial services in Xi'an to all social strata and groups,improve the modern financial system that supports the development of the real economy,deepen the reform of the financial system,eradicate poverty and speed up the construction of a well-off society in an all-round way.It is of great significance to promote the harmonious development of society.Liaoning Province is called by the state,in order to promote the transformation of economic model,out of the economic downturn,and constantly actively explore financial reform,promote the deepening of financial services,and promote the expansion of financial services.In the process of promotion,because of the market law of the financial system,it is more inclined to serve large state-owned enterprises,high value customer groups,naturally formed the phenomenon of financial exclusion.At present,the state-owned system in Liaoning Province is rigid,the sense of personal financial services is not strong,and the lack of vitality of individual consumers in the market is an important issue facing the transformation of economic model.Therefore,this paper measures the level of inclusive financial development of residents in Liaoning Province,and explores the influencing factors.This study is divided into five parts.The first part is the introduction,mainly discusses the actual background,theoretical significance,predecessors and scholars research results,as well as the research direction and content of this article.The second part is the current situation of the development level of Inclusive Finance in Liaoning Province.From the perspective of supply and demand,the paper expounds qualitatively through open data that there is insufficient supply of inclusive financial resources per capita in the overall development of Inclusive Finance in Liaoning Province.It is still increasing year by year.The third part uses the qualitative and quantitative methods to construct the inclusive financial index system of Liaoning Province micro-individual from the supply and demand of inclusive finance,and uses the calculation method to analyze the level of Inclusive Finance of residents.The results show that the level of Inclusive Finance of residents in Liaoning Province has gradually increased in recent 10 years,but until 2016,there are still nine prefecture-level cities with low level of Inclusive Finance development.This shows that the level of inclusive financial development of residents in Liaoning Province is far from the gap,and there is an imbalance in the level of inclusive financial development in different regions.The fourth part is based on the measurement of the development level of Inclusive Finance in Liaoning Province,and further explores the influencing factors of the development level of Inclusive Finance in Liaoning Province.The following conclusions are drawn from the empirical analysis of panel model.First of all,the level of inclusive financial development in Liaoning Province has a positive impact on the per capita GNP of Liaoning Province,and the degree of impact is the deepest.This shows that the more developed the regional economic development,the more attractive the existing financial institutions will be,and the more attractive the foreign financial institutions will be to set up financial business outlets in the province.At the same time,the more inclusive financial services the residents enjoy,the less financial exclusion they are subjected to.Secondly,the development level of Inclusive Finance in Liaoning Province is positively related to the education level,Internet popularity,per capita deposit-loan ratio and per capita highway mileage in Liaoning Province,which means that the higher the education level,the deeper the Internet popularity,the higher the per capita deposit-loan ratio and the greater the per capita highway mileage in Liaoning Province.The development level of Pu Hui finance in Ningxia is higher.Thirdly,we should focus on the Internet coverage,which has a profound impact and is the future development direction of inclusive finance.It will also become an important way for residents to obtain financial services in the future,so we should pay attention to the impact of Internet coverage.Finally,from the empirical results,the income gap between urban and rural areas in Liaoning Province is a negative factor,which hinders the development of Inclusive Finance in Liaoning Province.That is to say,if the income gap between urban and rural residents in Liaoning Province becomes larger in the future,the financial institutions in Liaoning Province are willing to provide financial services in the region will be limited accordingly.However,the willingness to carry out a comprehensive financial distribution is not strong,which limits the level of development of Inclusive Finance in Liaoning Province.The fifth part mainly summarizes the conclusions of this paper,and puts forward policy recommendations to improve the level of inclusive financial development of residents in Liaoning Province.