| In 2015,China promulgated "Inclusive Finance Development Plan(2016-2020)",proposing that all regions should actively promote the development of inclusive finance,and by 2020,establish an inclusive financial service system that matches the comprehensive well-off society to satisfy the growing financial demands of the people.As a large agricultural province in central China,Anhui Province has achieved certain development in the past few years,but there are still problems of insufficient development and imbalance.On the one hand,some people in the county are limited by factors such as inadequate network construction,and it is difficult to obtain the financial services needed from financial institutions,and then choose informal methods such as private lending.On the other hand,due to the obvious differences in the economic and financial development of the southern and northern counties of Anhui Province,there are county-level differences in the development level of inclusive finance in Anhui Province,which will not only affect the universality of integrated policy planning for the development of inclusive finance in various counties.At the same time,it will aggravate the unreasonable distribution of financial resources,which is not conducive to the stable development of county economy and finance.Under such a background,it is very important to effectively improve the level of inclusive financial development in Anhui Province,narrow the development of the county,and promote the balanced development of inclusive finance in all counties of Anhui Province.Therefore,based on the perspective of county differences,this paper studies the development level of inclusive finance in 61 counties of Anhui Province.This paper first defines the connotation of inclusive finance,and further explains the main points of connotation from the aspects of financial service usage,availability and service quality.Secondly,combined with the "2017 China Inclusive Financial Indicators Analysis Report",this article set up an indicator evaluation system to describe the development level of inclusive financial in counties of Anhui Province from the three dimensions of "use,availability and service quality".Then,based on the above three dimensions,the Anhui provincial county inclusive financial evaluation index system is constructed.Based on the relevant data,the factor analysis model is used to measure the development level of inclusive finance in the counties of Anhui Province in 2017.On the basis of above research,through the analysis of the difference of common factor scores and the Ward cluster analysis of comprehensive scores,and the differences in the development of inclusive financial development in the county are further clarified,and the causes of differences in county development are explored.The conclusions of the study indicate that: First,the overall development level of inclusive finance in Anhui Province in 2017 is not ideal,and the development level of most counties is relatively low.Secondly,the development of inclusive finance has county differences,and the "south-south county differences" is more significant.Thirdly,credit support ability,financial literacy and other five factors affect the inclusive financial development level of each county by affecting the inclusive financial evaluation indicators,which is an important reason for the formation of county differences.Finally,based on the research content and conclusions of this paper,the policy recommendations for promoting the balanced development of inclusive finance in the county of Anhui Province are proposed from five aspects of financial literacy. |
